CSMC 2022-NQM1 Trust ABS-15G

Exhibit 99.6

Client Name:
Client Project Name:		CSMC 2022-NQM1
Start - End Dates:		8/6/2016 - 12/13/2021
Deal Loan Count:		566
Conditions Report 2.0
Loans in Report:		566
Loans with Conditions:		482
3 - Total Active Conditions
	3 - Non-Material Conditions
			1 - Credit Review Scope
				1 - Category: Assets
			2 - Compliance Review Scope
				1 - Category: Right of Rescission
				1 - Category: TILA/RESPA Integrated Disclosure
752 - Total Satisfied Conditions
			87 - Credit Review Scope
				20 - Category: Application
				8 - Category: Assets
				1 - Category: DTI
				5 - Category: Income/Employment
				30 - Category: Insurance
				2 - Category: Legal Documents
				1 - Category: Re-Verifications
				18 - Category: Terms/Guidelines
				2 - Category: Title
			450 - Property Valuations Review Scope
				447 - Category: Appraisal
				2 - Category: FEMA
				1 - Category: Value
			215 - Compliance Review Scope
				1 - Category: County High Cost
				3 - Category: Federal Consumer Protection
				2 - Category: Finance Charge Tolerance
				1 - Category: RESPA
				13 - Category: Right of Rescission
				1 - Category: Section 32
				1 - Category: State Consumer Protection
				1 - Category: State High Cost
				192 - 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 2022-NQM1
Start - End Dates:	8/6/2016 - 12/13/2021
Deal Loan Count:	566
Conditions Report 2.0
Loans in Report:	566
Loans with Conditions:	482

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

434067533

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 significant time at current job, twelve (12) years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score  798 qualifies 720 minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  71% ltv qualifies up to 85% permissible. CFCFS1744: DTI below guideline requirement - Clayton Comments:  43% DTI qualifies up to 49% permissible. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post close Assets are $79,110.12 or 16.34 months of P&I reserves.Required P&I Reserves are $4,841.65 x 12 = $58,099.80

434067533

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job, twelve (12) years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score  798 qualifies 720 minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  71% ltv qualifies up to 85% permissible. CFCFS1744: DTI below guideline requirement - Clayton Comments:  43% DTI qualifies up to 49% permissible. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post close Assets are $79,110.12 or 16.34 months of P&I reserves.Required P&I Reserves are $4,841.65 x 12 = $58,099.80

433982251

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

08.20.21 Updated value received, appraised value supported.

08.20.21 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 9 years and 4 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 2 years and 3 months.

434067534

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 54.92%, maximum allowed 70% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 765, minimum  allowed 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 16.17 months of P&I reserves, guidelines require 6 months of P&I reserves

434190662

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

DTI

Satisfied

B

A

B

A

CRDDTI106

Debt Ratio Exception >5% and <10%

No

Negative rent was not reported or used when DTI was calculated per 1008 for exiting residence.

10/25/21 - Lender provided an updated 1008 with the negative $880 rent applied to the calculation/ratio.

10/25/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  747 credit score is 27 points above the minimum required per guideline

434190662

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  747 credit score is 27 points above the minimum required per guideline

434067535

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.18 is less than max of 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% is less than required of 85%

434067535

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.18 is less than max of 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% is less than required of 85%

434424641

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

Updated valuation is not in file

10.27.21 Updated value received, appraised value supported.

10.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (20.70%) > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (45.78%) > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 741 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 23.30 months reserves exceeds 6 months P&I requirement per guideline

434809216

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's representative score is 724, minimum allowed is 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post close Assets are $82,676.25 or 25.68 months of PITIARequired PITIA is $3,219.56 x 3 = $9,658.68

434809217

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 32.51% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 809, minimum allowed is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines 61.79 months of P&I Required P&I  Reserves are 12 months

434917461

XXXXXX

GA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR2400

Missing Flood Certification Document

No

Missing Flood Certification Document

12.7.21 - Lender provided flood cert.

12.7.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $252,385.62 or 78.49 months of PITIA CFCFS2860: Good credit history - Clayton Comments:  credit line usage ratio:1.06%

434709351

XXXXXX

NC

(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 24.13 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score >80 points above guideline minimum

434568198

XXXXXX

GA

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

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. (Seller paid fee for Clayton Tax Bill 2021 was missing from final CD)

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 726, minimum guideline score 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 37.88%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $34,364.01 or 35.60 months of P&I reserves Required P&I Reserves are $965.18 X 12 months = $11,582.16

434568198

XXXXXX

GA

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

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 726, minimum guideline score 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 37.88%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $34,364.01 or 35.60 months of P&I reserves Required P&I Reserves are $965.18 X 12 months = $11,582.16

434809218

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 75%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 790, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $11,056.55 or 4.35 months of PITIA reserves Required PITIA Reserves are $2,542.54 X 3 months = $7,627.62

434809219

XXXXXX

GA

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.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 21.01 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 > 100 points above guideline minimum

434917462

XXXXXX

GA

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 to support original appraised value.

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement by 10 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements below 10 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $144,763.01 or 89.29 months of P&I

434917463

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

CRDAPP130

Application is incomplete

No

Missing signed letter from borrower addressing the Purchase Price of $XXX and the appraised Value of $XXX

12/13/21 - Lender provided an acknowledgement from the borrower that the purchase price of $XXX is higher than the appraised value of $XXX

12/13/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 9.41 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434568199

XXXXXX

GA

(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 0x30x99 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 793, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $95,534.06 or 15.15 months of PITIA reserves Required PITIA Reserves are $1,867.78 X 3 months = $5,603.34

434568200

XXXXXX

NJ

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

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:  5 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $61,963.55 or 22.16 months of P&I reserves.Required P&I Reserves are $2,796 x 12 = $33,552.00.

434568200

XXXXXX

NJ

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $61,963.55 or 22.16 months of P&I reserves.Required P&I Reserves are $2,796 x 12 = $33,552.00.

434809220

XXXXXX

NJ

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 15 points below guideline (Max DTI 49%) CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50

433807766

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

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 44.08%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 776. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 36.46%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $102,605.19 or 34.67 months of P&I reservesRequired P&I reserves are $2,959.05x6=$17,754.30

433807766

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

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 44.08%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 776. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 36.46%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $102,605.19 or 34.67 months of P&I reservesRequired P&I reserves are $2,959.05x6=$17,754.30

433828284

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.94% DTI is 10.06 points below the maximum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  34.05% is 50.95 points below the maximum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years 6 months on the job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $469,794.45 or 162.13 months of P&I.Required PITI Reserves are $2,897.53 x 6 months = $17,385.18

433828285

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 742. Minimum required is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $356,119.16 or 81.75 months of P&I reservesRequired P&I reserves are $4,356.13x12=$52,273.56 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 34.31%. Maximum allowable is 49%

434270606

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

Title

Satisfied

C

A

C

A

CRDTIL100

Potential title issue

No

Missing evidence 2 judgements on title have been paid in full. Payoff letters are in loan file, however are not on the subject HUD.  $33,459.17 & $35,374.89

10.14.21 - Lender responded payoffs in file support the amounts paid off on CD. Payoffs paid to law firms for judgements

10.14.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 15 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.96 % LTV below guideline requirements <85% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  12 years at current occupation/job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $194,204.49 or 27.16 months of P&IRequired P&I Reserves are $2,538.58 x 12 = $ 30,462.96

433828288

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.06% LTV is below the maximum allowed per guideline at 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  42.86% LTV is 42.14 points below the maximum allowed per guideline.

433733603

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 Effective dates are XXX to XXX. Disbursement date is XXX

8.19.21 - Lender provided PCCD showing disbursement date as XXX

8.19.21 - Exception satisfied

Not Applicable

Not Applicable

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

433733603

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

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

434568201

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

Right of Rescission

Satisfied

B

B

B

B

CMPROR117

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

No

ROR expiration date is XXX, actual expiration date is XXX  Rescission period needs to be reopened.

11/11/21 - Lender provided a Post Close CD with a Disbursement date of X that is XXX after the expiration date of the ROR of XXX

1/11/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x45 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 38.83%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 723, minimum guideline score 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $249,946.36 or 19.73 months of P&I reserves Required P&I Reserves are $12,666.63 X 12 months = $151,999.56 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years at current job

434190664

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

09.24.21 Updated value received, appraised value supported.

09.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 43.59% which is below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 10.97 months P&I exceeds guideline minimum of 6 months.

434424642

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

CMPTRID5291

TRID:  CD: The amount of Estimated Escrow in the Projected Payments section is inaccurate

No

EADS is different by 11 dollars.

11/4/21 - Lender provided an adjusted payment on the Initial Escrow Account Disclosure Statement, correcting the $11 difference.

11/4/21 - Exception satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 729 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 37.59 months reserves exceeds 6 months P&I requirement per guideline

434424642

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

Updated valuation is not in file

10.27.21 Updated value received, appraised value supported.

10.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 729 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 37.59 months reserves exceeds 6 months P&I requirement per guideline

434424643

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 to support original appraised value.

10.27.21 Updated value received, appraised value supported.

10.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 17.16 months reserves exceeds 12 months P&I requirement per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 729 is > 20 more than guideline requirement

434709352

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 updated valuation

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  749 credit score is 49 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $83,071.62 or 22.94 months of P&IRequired P&I Reserves are $3,620.83 x 6 months = $21,724.98 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years and 5 months on current job 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 0x30x39

433621367

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:  Reserves of 27.33 months P&I exceeds guideline minimum of 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 40 points below guideline maximum of 75%

433733626

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

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 16.09 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 732; Guidelines require 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 36.75%; Guidelines require 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years and 6 months of job profession

433888110

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

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11 years in the current Job CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 36.20 is below required LTV per guidelines

433828290

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

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 8 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. Currently 0 x 30 on all opened trade lines. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433828290

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 8 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. Currently 0 x 30 on all opened trade lines. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433733649

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 817. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 75%. Maximum allowable is 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 41.67%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $124,172.18 or 18.97 months of P&I reservesRequired P&I reserves are $6,545.63x12=$78,547.56

434067538

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:  66.23% LTV is less than the required of 70% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433828292

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in XXX for 15 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 68.15% is below of 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.38% is below the program max DTI of 49%.

434190666

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.75% DTI qualifies 49% permissible. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:  Verified Assets $67,153.24 or 18.56 months P&I.Required reserves are 12 months P&I $3616.93x12= $43,403.16 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660

433982254

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

Loan funded on XXX and end of statutory rescission period is XXX.  Earliest funding date is XXX. Loan disbursed prior to end of statutory rescission period.

08/26/2021  Client provided PCCD XXX

08/26/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 25 years in the profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $206,248.69 or 29.09 months of P&I.Required P&I Reserves are $7,088.01 x 6 months = $42,528.06 CFCFS1737: LTV below guideline requirements - Clayton Comments:  65% LTV is 10 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  747 credit score is 47 points above the minimum required per guideline

433982254

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

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

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 25 years in the profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $206,248.69 or 29.09 months of P&I.Required P&I Reserves are $7,088.01 x 6 months = $42,528.06 CFCFS1737: LTV below guideline requirements - Clayton Comments:  65% LTV is 10 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  747 credit score is 47 points above the minimum required per guideline

433733711

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:  Reserves of 18.41 months P&I exceeds guideline minimum of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433733711

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:  Reserves of 18.41 months P&I exceeds guideline minimum of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

433982255

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.09 months of P&I reserves; Guidelines require 6 months of P&I reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 58.72%, maximum allowed 70% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 730, minimum allowed 700 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 15 years at current job

433828293

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 is 791. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 74.81%. Maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 33.50%. Maximum allowable is 49%

433828293

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 791. Minimum required is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 74.81%. Maximum allowable is 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 33.50%. Maximum allowable is 49%

434190667

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

09.13.21 Updated value received, appraised value supported.

09.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  7 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  8 years in profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $83,457.97  or 24.61 months of P&I Required P&I Reserves are $3,390.71 x 6 = $20,344.26. 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 75%

434067539

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  40% DTI qualifies up to 49% permissible. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV , 42% up to 65% permissable.

433828294

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

07.29.21 Updated value received, appraised value supported.

07.29.21 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 768. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 43.91%. Maximum allowable is 49%

433733731

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 is 777. Minimum required is 720 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 44.03%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $254,739.46 or 41.39 months of P&I reserves Required P&I reserves are $6,154.17x12=$73,850.04

433733732

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 HOI dec page showing effective date XXX.

8.11.21 - Exception satisfied

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 772. Minimum required is 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 9 years at current residence

433733732

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

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 772. Minimum required is 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 9 years at current residence

433807840

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 the same profession for the past 8 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past XXX years.

433982256

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > XXX points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 120 points above guideline minimum

433982256

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

CMPTRID5215

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > XXX points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 120 points above guideline minimum

433982256

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > XXX points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 120 points above guideline minimum

433828296

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI XXX%; Guidelines require XXX% 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 and 6 months of job profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets;Borrower's Post Close Assets are $49,150.11 or 33.90 months of P&I reserves Required P&I Reserves are $1,449.53 X 12 months = $17,394.36 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660

433995496

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.

9/30/21 - Lender provided a copy of the seller CD

9/30/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 30.80 months P&I exceeds guideline minimum of 12 months.

433995496

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

08.30.21 Updated value received, appraised value supported.

08.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 30.80 months P&I exceeds guideline minimum of 12 months.

433828297

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 74.98% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 763 exceed guideline requirement of 700 with 63 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.64% below maximum of 49%

433828298

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  55% LTV below guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  10 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  11 years own at current residence

433828300

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:  07/14/2021Final CD Disbursement date: XXX

9.23.21 - Lender provided PCCD showing disbursement date as XXX.

9.23.21 - Exception satisfied.

Not Applicable

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 43.66%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $79,420.51 or 23.20 months of P&I reserves Required P&I reserves are $3,423.31x12=$41,079.72

433828300

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

07.29.21 Updated value received, appraised value supported.

07.29.21 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 43.66%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $79,420.51 or 23.20 months of P&I reserves Required P&I reserves are $3,423.31x12=$41,079.72

433828301

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

07.29.21 Updated value received, appraised value supported.

07.29.21 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 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

433828303

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  755 Credit score exceeds guidelines at 720 CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. CFCFS1736: Significant time at current residence - Clayton Comments:  Owns 11 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $96,322.41 or 24.38 months of P&IRequired P&I Reserves are $3950.60 x 12 months = $47,407.20

434190669

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 2 months on the Job

433982259

XXXXXX

PA

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

CMPTRID5215

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $25,523.81 or 28.89 months of P&I.Required P&I Reserves are $883.29 x 12 months = $10,599.48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  752 credit score is 32 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 5 months on the job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.04% DTI is 17.96 points below the maximum allowed per guideline.

433982259

XXXXXX

PA

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

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $25,523.81 or 28.89 months of P&I.Required P&I Reserves are $883.29 x 12 months = $10,599.48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  752 credit score is 32 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 5 months on the job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.04% DTI is 17.96 points below the maximum allowed per guideline.

433828304

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

Real estate fees were paid by borrower and disclosed in Section H.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is 10 points below maximum allowed per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 15 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 credit score is 93 points above the minimum required per guideline

433828304

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 10 points below maximum allowed per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 15 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 credit score is 93 points above the minimum required per guideline

433828304

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is 10 points below maximum allowed per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 15 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  811 credit score is 93 points above the minimum required per guideline

433995498

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433828306

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 18.81 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score XXX; Guidelines require XXX CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 67.89%; Guidelines require 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 45.84%; Guidelines require 49% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x35 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years  job profession

433828307

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

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $500,989.42  or 63.97 months of P&I.Required P&I Reserves are $6,640.49 x 12 months = $79,685.588 CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 15 points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 credit score is 85 points above minimum required per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years in the profession

433828307

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's loan approval/underwriting form

9/22/21 - Lender provided a copy of the Conditional Loan Approval.

9/22/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $500,989.42  or 63.97 months of P&I.Required P&I Reserves are $6,640.49 x 12 months = $79,685.588 CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 15 points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 credit score is 85 points above minimum required per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years in the profession

433828307

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

07.29.21 Updated value received, appraised value supported.

07.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $500,989.42  or 63.97 months of P&I.Required P&I Reserves are $6,640.49 x 12 months = $79,685.588 CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 15 points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 credit score is 85 points above minimum required per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX years in the profession

433828308

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

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  40.47% DTI is 8.53 points below the maximum allowed per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 5 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  771 credit score is 51 points above the minimum required per guideline

433828308

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

Sales price is greater than Appraised value, no letter in file.

9/29/21 - Lender provided a letter from the borrower acknowledging the sales price is higher than the appraised value.

9/29/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  40.47% DTI is 8.53 points below the maximum allowed per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 5 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  771 credit score is 51 points above the minimum required per guideline

433828308

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

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

07.30.21 Updated value received, appraised value supported.

07.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  40.47% DTI is 8.53 points below the maximum allowed per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 5 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  771 credit score is 51 points above the minimum required per guideline

433982260

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower  1 has spent a total of 20 years at current line of work. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers Post Close Assets are $36,689.57 or 11.11 (PITI)

433995499

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

Re-Verifications

Satisfied

C

A

C

A

CRDRVRFC1813

Misrepresentation of borr's property ownership hist revealed through independent re-verification

No

Borrower's explanation letter states, "no longer has any interest in other property at XXX It appears on hoi policy as of XXX. Credit report has current address and Per Drive report borrower credit inquiries in the past XXX days have borrowers address as XXX

10/4/21 - XXX confirms the borrower is not owner of XXX.

10/4/21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x41 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 726 qualifies 700 permissible. CFCFS1737: LTV below guideline requirements - Clayton Comments:  66% ltv qualifies up to 75% permissible. CFCFS2860: Good credit history - Clayton Comments:  Good credit history  0x 30X24 ;  41  months Amerihome Mtg. CFCFS1744: DTI below guideline requirement - Clayton Comments:  36% ltv qualifies up to 49% permissible. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $265,624.37 or 61.89 months of P&I Required P&I Reserves are $5580.92* 12= number of  months = $51,498.60

433995499

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

08.30.21 Updated value received, appraised value supported.

08.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x41 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 726 qualifies 700 permissible. CFCFS1737: LTV below guideline requirements - Clayton Comments:  66% ltv qualifies up to 75% permissible. CFCFS2860: Good credit history - Clayton Comments:  Good credit history  0x 30X24 ;  41  months Amerihome Mtg. CFCFS1744: DTI below guideline requirement - Clayton Comments:  36% ltv qualifies up to 49% permissible. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $265,624.37 or 61.89 months of P&I Required P&I Reserves are $5580.92* 12= number of  months = $51,498.60

434190670

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

CMPTRID5031

TRID - CD: The Maximum Payment disclosed in at least one column of the Final Closing Disclosure does not match the Maximum Payment that Clayton calculates.

No

Final CD XXX Projected Payments are entered and eCLAS Values not reflected in Closing Disclosure. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 240.40 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 > 80 points above guideline minimum

434190670

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

CMPTRID5045

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

No

Final CD XXX Projected Payments are entered and eCLAS Values not reflected in Closing Disclosure. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 240.40 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 > 80 points above guideline minimum

434190670

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 240.40 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 > 80 points above guideline minimum

433828312

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

07.30.21 Updated value received, appraised value supported.

07.30.21 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 1 month. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years and 10 months.

433828313

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

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 70% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 755 exceed guideline requirement of 700 with 55 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $120,845.13 or XXX months of P&I reserves.Required P&I reserves are $1,205.01  x  12  = $14,460.12

433828313

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 signed letter from Borrower acknowledging Appraised value of XXX came in lower than Purchase Price of XXX

9/30/21 - Lender provided a acknowledgement from the borrower that the sales price is less than the appraised value.

9/30/21 - Exception satisfi3ed.

(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 755 exceed guideline requirement of 700 with 55 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $120,845.13 or XXX months of P&I reserves.Required P&I reserves are $1,205.01  x  12  = $14,460.12

433828313

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

07.30.21 Updated value received, appraised value supported.

07.30.21 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 755 exceed guideline requirement of 700 with 55 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $120,845.13 or XXX months of P&I reserves.Required P&I reserves are $1,205.01  x  12  = $14,460.12

433828314

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 30 years in the same profession. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 25 years at current residence.

433828314

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

07.30.21 Updated value received, appraised value supported.

07.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 30 years in the same profession. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 25 years at current residence.

433828316

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

07.30.21 Updated value received, appraised value supported.

07.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 30 years in the profession CFCFS1737: LTV below guideline requirements - Clayton Comments:  67.42% LTV is 12.58 points below the maximum allowed per guideline

433828317

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.

09/23/2021  Client provided Seller CD.

09/23/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75%LTV below guidelines of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 Credit score exceeds guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 late on credit report

433828317

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

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75%LTV below guidelines of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 Credit score exceeds guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 late on credit report

433828317

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

07.30.21 Updated value received, appraised value supported.

07.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75%LTV below guidelines of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 Credit score exceeds guidelines. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 late on credit report

433888135

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:  Borrower LTV is 70%. Maximum allowable is 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 34.12%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $164,533.11 or 17.89 months of P&I reservesRequired P&I reserves are $9,193.81x12=$110,325.72

433828318

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

07.30.21 Updated value received, appraised value supported.

07.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 83.10 months P&I exceeds guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 30 points above guideline minimum

433828319

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

07.30.21 Updated value received, appraised value supported.

07.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  719 credit score is 59 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  65% is 10 points below the maximum allowed per guideline

433828321

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.

08.04.21 Updated value received, appraised value supported.

08.04.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 50.56 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum

433828322

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:  LTV of 75% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 42.63% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 766 exceed guideline requirement of 720 with 46 points.

433828322

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 $18,773.48 or 9.59  months of P&I reserves.Required P&I reserves are $1,957.47  x  12  = $23,489.64; file is short $4716.16

9.23.21 - Lender provided PCCD showing final funds

9.23.21 - 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 42.63% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 766 exceed guideline requirement of 720 with 46 points.

433828322

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

07.30.21 Updated value received, appraised value supported.

07.30.21 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 42.63% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 766 exceed guideline requirement of 720 with 46 points.

433995500

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 44.32%, maximum allowed 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score XXX, minimum allowed XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 22.47 months of  P&I reserves; Guidelines require 12 months of P&I reserves

433995500

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

08.30.21 Updated value received, appraised value supported.

08.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 44.32%, maximum allowed 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score XXX, minimum allowed XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 22.47 months of  P&I reserves; Guidelines require 12 months of P&I reserves

433828324

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 resided at the same residence for the past 7 years and 10 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 30 years.

433828325

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:  Borrower LTV is 75%. Maximum allowable is 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 33.86%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $113,555.16 or 18.18 months of P&I reservesRequired P&I reserves are $6,246.80x12=$74,961.60

433828325

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 policy amount of $900,000.00 (incl. 150% repl.) is insufficientLoan Amount is $XXX

10.11.21 - Lender provided RCE.9.23.21 - Lender responded $900k + the 150% is sufficient. (Actual coverage is $600k = $150% is $900k)

10.11.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 75%. Maximum allowable is 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 33.86%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $113,555.16 or 18.18 months of P&I reservesRequired P&I reserves are $6,246.80x12=$74,961.60

433828325

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

07.30.21 Updated value received, appraised value supported.

07.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 75%. Maximum allowable is 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 33.86%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $113,555.16 or 18.18 months of P&I reservesRequired P&I reserves are $6,246.80x12=$74,961.60

434190671

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:  Post close assets are $66,073.82 or 24.59 months P&I, required P&I reserves are 12 x $2,686.07 = $32,232.84 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score is 60 above guideline minimum

434190671

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.

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets are $66,073.82 or 24.59 months P&I, required P&I reserves are 12 x $2,686.07 = $32,232.84 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score is 60 above guideline minimum

434190672

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.

09.20.21 Updated value received, appraised value supported.

09.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 44.36 months P&I exceeds guideline minimum of 12 months

433828328

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

07.30.21 Updated value received, appraised value supported.

07.30.21 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 42.01% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 812 exceed guideline requirement of 720 with 92 points.

434067541

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x28 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 15 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $56,360.97 or 35.97 months PI; required reserves are 12 months P&I

433828329

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

Finance Charge Tolerance

Satisfied

C

B

C

B

CMPFINT106

Finance charge understated by more than $100 (Pmt Stream)

No

Finance charge understated by more than $100 (Pmt Stream)

9.16.21 - Lender provided PCCD

9.16.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 125.53 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

433828329

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

Finance Charge Tolerance

Satisfied

C

B

C

B

CMPFINT4372

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

No

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

9.16.21 - Lender provided PCCD

9.16.21 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 125.53 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

433828329

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

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

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 125.53 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

433828329

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

CMPTRID4056

TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount

No

TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount

9.16.21 - Lender provided PCCD

9.16.21 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 125.53 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

433982263

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

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.71% DTI below Lender requirements of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  722 credit score exceeds Lender guideline requirement of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $79,810.56  or 21.52 months of P&I Required P&I Reserves are $3,707.57 x 12 months = $44,490.84

434067542

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:  Borrower's credit history of XXX Months exceeds guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's credit score 754 exceeds guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 33.85% guideline Max 49% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5yrs at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11yrs 6Months at current job.

433982264

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 43.74%, maximum allowed 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 65%, maximum allowed 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 715, minimum allowed 700 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower mortgage payment 0x30x58 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 30.18 months of P&I reserves; Guidelines require 6 months of P&I reserves

433828330

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

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 19.56 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 759; Guidelines require 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 40.59%; Guidelines require 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years and 4 months at current job

433828330

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

07.30.21 Updated value received, appraised value supported.

07.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 19.56 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 759; Guidelines require 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 40.59%; Guidelines require 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years and 4 months at current job

433828331

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 45.71% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 778 exceed guideline requirement of 700 with 78 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $505,591.41 or 266.36 months of P&I reserves.Required P&I reserves are $1,898.15   x  6  = $11,388.90

433828331

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

07.30.21 Updated value received, appraised value supported.

07.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 45.71% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 778 exceed guideline requirement of 700 with 78 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $505,591.41 or 266.36 months of P&I reserves.Required P&I reserves are $1,898.15   x  6  = $11,388.90

434709354

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  713 credit score is 13ints above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  49.08% LTV is 25.92 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $372,836.24  or 130.54 months of PITIARequired PITIA Reserves are $2,856.08 x 3 months = $8,568.24

434067543

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 is > 10 points above guideline maximum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > XXX points below guideline maximum of XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 15.81 months PI; required 6 months P&I CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been self employed for 18 years.

433982266

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

09/07/2021  Client provided Seller CD.

09/07/2021 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been self employed for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 761 and the minimum credit score is 720.

433982266

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

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been self employed for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 761 and the minimum credit score is 720.

433982266

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

N/A

A

N/A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.26.21 Updated value received, appraised value supported.

08.26.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been self employed for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 761 and the minimum credit score is 720.

434424644

XXXXXX

TX

(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

08.12.21 Updated value received, appraised value supported.

08.12.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 59.32%. Maximum allowable is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 806. Minimum required is 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI is 4.52%. Maximum allowable is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has post close assets of $70,442.77 or 54.67 months of P&I reservesRequired P&I reserves are $1,288.54x6=$7,731.24

434190673

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  806 credit score is 86 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 23 years and 2 months at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 20 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.48% DTI is 19.52 points below the maximum allowed per guideline

433828333

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 36.61%; Guidelines require 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 65.95%; Guidelines require 85% 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 8 years and 6 months at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 40.26 months of P&I reserves; Guidelines require 12 months P&I reserves

433828333

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

07.30.21 Updated value received, appraised value supported.

07.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 36.61%; Guidelines require 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 65.95%; Guidelines require 85% 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 8 years and 6 months at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 40.26 months of P&I reserves; Guidelines require 12 months P&I reserves

433888148

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

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x26 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSETS are $91,192.69 or 14.84 months P&IRequired reserve are 6 months P&I at $6141.69x6= $36,850.14 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > XXX points above guideline maximum of XXX CFCFS1734: Borrower has significant time at current job - Clayton Comments:  over 10 years CFCFS1736: Significant time at current residence - Clayton Comments:  over 10 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  MAX 90 CURRENT 32.2%

433807899

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:  Borrower has 22.11 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 745; Guidelines require 660 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 36.48%; Guidelines require 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 3 years and 6 months of job profession

434709355

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 XXX PITIA exceeds guideline minimum of XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > XXX points below guideline maximum of XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is XXX

433828335

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

07.30.21 Updated value received, appraised value supported.

07.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 767 and the minimum credit score is 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 73.03% is > 10 points below the program max LTV of 85%.

433828336

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

CMPTRID4056

TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount

No

CD XXX Values match CD. PCCD XXX corrects.

(No Data)

(No Data)

Numeric

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 42.47% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of XXX exceed guideline requirement of XXX with XXX points.

433828336

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

08.02.21 Updated value received, appraised value supported.

08.02.21 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 42.47% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of XXX exceed guideline requirement of XXX with XXX points.

433982268

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

08.20.21 Updated value received, appraised value supported.

08.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 34.26% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 25.42% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 770 exceed guideline requirement of 700 with 70 points.

433828337

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

08.02.21 Updated value received, appraised value supported.

08.02.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 30.61.Maximum allowable 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score748. Minimum allowed 720 CFCFS2860: Good credit history - Clayton Comments:  Minimum use of credit. Credit usage 2.74%

433982269

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

08.26.21 Updated value received, appraised value supported.

08.26.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  803 credit score is 83 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. CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.88% DTI is 19.12 points below the maximum allowed per guideline.

433888151

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

08.06.21 Updated value received, appraised value supported.

08.06.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 71.56 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 22.12%; Guidelines require 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%; Guidelines require 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score XXX; Guidelines require XXX CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years and 1 month at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 8 years

433982270

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets are $1,520,036.87 or 276.76 months P&I, required P&I reserves are 12 x $5,492.14 = $65,905.68 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 10 points above guideline minimum 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433982271

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

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 XXX department and TRID 2.0 revisions. Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is 10 points below the Maximum allowed per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 15 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  784 credit score is 64 points above the minimum required per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years in the profession.

433982271

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

08.26.21 Updated value received, appraised value supported.

08.26.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is 10 points below the Maximum allowed per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 15 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  784 credit score is 64 points above the minimum required per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years in the profession.

433982272

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

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  753 credit score is 33 points above the minimum required per guideline. CFCFS1737: LTV below guideline requirements - Clayton Comments:  31.11% LTV is 53.89 points below the maximum allowed per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 7 years in the profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  39.94% is 9.06 points below the maximum required per guideline. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x35 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $34,147.12 or 34.10 months of P&I.Required P&I Reserves are $1,001.72 x 6 months = $6,010.32

433828339

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

RESPA

Satisfied

B

A

B

A

CMPRESPA2700

RESPA - List of homeowners counseling organizations not provided w/in 3 days of application

No

Initial Homeowner Counseling list was not provided within XXX of application, but issued at product change.

9/30/21 - Lender provided a copy of the Initial Homeowners Counseling disclosure.

9/30/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 48.94% is > 10 points below the program max LTV of 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x82 months, guidelines require 0x30x12 months

433828339

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

08.02.21 Updated value received, appraised value supported.

08.02.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 48.94% is > 10 points below the program max LTV of 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30x82 months, guidelines require 0x30x12 months

433828340

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

08.02.21 Updated value received, appraised value supported.

08.02.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 85.63 months P&I exceeds guideline minimum of 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 75% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of 49%

433828342

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 Effective Date: XXXFinal CD Disbursement Date; XXX

9.23.21 - Lender provided PCCD showing disbursement date as XXX

9.23.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  791 credit score is 71 points above the minimum required per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.27 % DTI is 13.73 points below the maximum required per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 9 years 6months in the profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Closing Assets are $97.552.14 or 28.43 months of P&I reserves.Required P&I Reserves are $3,431.88 x 12 = $41,182.56

433828343

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

Borrower's Post Close Assets are $27,316.11 or 10.76 months of P&I.Required P&I Reserves are $2,536.48 x 12 months = $30,437.76

10.7.21 - Lender provided PCCD showing final funds

10.7.21 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 11years and 2 month in the profession. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is 7 years and 4 months on the job

433828343

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

08.02.21 Updated value received, appraised value supported.

08.02.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 11years and 2 month in the profession. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower is 7 years and 4 months on the job

434190674

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

09.13.21 Updated value received, appraised value supported.

09.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  726 credit score is 26 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  41.39% LTV is 18.61 points below the maximum allowed per guideline. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years and 1 month on the job CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.12% DTI is 16.88 points below the maximum allowed per guideline

433982273

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

08.26.21 Updated value received, appraised value supported.

08.26.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 63.70% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 42.84% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 762 exceed guideline requirement of 700 with 62 points. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX

433828345

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

08.02.21 Updated value received, appraised value supported.

08.02.21 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 35.27%. Maximum allowable 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 751.Minimum allowable 720

433888164

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

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 52.55 months P&I exceeds guideline minimum of 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

433982274

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 42.85%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 761, minimum allowed 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 21.37 months of P&I reserves; Guidelines require 12 months P&I reserves CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years at current residence

434190676

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 58.18% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 764 exceed guideline requirement of 700 with 64 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $95,533.88 or 26.05 months of P&I reserves.Required P&I reserves are $3,666.55   x   6 =  $21,999.30

433995502

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

08.30.21 Updated value received, appraised value supported.

08.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 43.10%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 21.93 months of P&I reserves ; Guidelines require 12 months P&I reserves

433828346

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 XXX 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:  10 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 751. Minimum allowed is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 41.96%. Maximum allowable 85%

433828346

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

08.02.21 Updated value received, appraised value supported.

08.02.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  10 years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 751. Minimum allowed is 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 41.96%. Maximum allowable 85%

433982275

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

08.26.21 Updated value received, appraised value supported.

08.26.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.31% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 804 exceed guideline requirement of 700 with 104 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85%

433828348

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

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 7 years and 7 months in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 769 is 49 points above the minimum required per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.62% DTI is 11.38 points below the maximum allowed per guideline

433828348

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

08.02.21 Updated value received, appraised value supported.

08.02.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower is 7 years and 7 months in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 769 is 49 points above the minimum required per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.62% DTI is 11.38 points below the maximum allowed per guideline

433982276

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Compliance

TILA/RESPA Integrated Disclosure

Active

B

B

B

B

CMPTRID5215

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

No

The fee in Section H is a Real Estate Broker (B) fee

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  767 credit score is 47 points above the minimum allowed per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 16 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 22 years and 6 months in the profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.26% DTI is 11.74 points below the maximum allowed per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $232,627.37 or 74.27 months of P&I.Required P&I Reserves are $3,131.81 x 12 months = $37,581.72

433982276

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

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

08.25.21 Exception Remains.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  767 credit score is 47 points above the minimum allowed per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 16 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 22 years and 6 months in the profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.26% DTI is 11.74 points below the maximum allowed per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $232,627.37 or 74.27 months of P&I.Required P&I Reserves are $3,131.81 x 12 months = $37,581.72

433982276

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU5249

Property Value Not Supported

No

Desk review value $XXX with 12.35% LTV drift is above the 10% threshold.

10/1/21  - Field review value supports the original appraisal.

10/1/21 - Exception Satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  767 credit score is 47 points above the minimum allowed per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 16 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 22 years and 6 months in the profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.26% DTI is 11.74 points below the maximum allowed per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $232,627.37 or 74.27 months of P&I.Required P&I Reserves are $3,131.81 x 12 months = $37,581.72

433982277

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

08.20.21 Updated value received, appraised value supported.

08.20.21 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 3 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 11 years. 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 85%

433982278

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

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

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is 10 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  741 credit score is 21 points above the minimum required per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 5 years and 3 months in the profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.64% DTI is 16.36 points below the maximum allowed per guideline.

433982278

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

08.26.21 Updated value received, appraised value supported.

08.26.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is 10 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  741 credit score is 21 points above the minimum required per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 5 years and 3 months in the profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.64% DTI is 16.36 points below the maximum allowed per guideline.

433828349

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

08.02.21 Updated value received, appraised value supported.

08.02.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  20 years in line of work CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 20%. Maximum allowable 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 800. Minimum allowable 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post close assets are $20,859.73 or 21.98 months of P&I reserves Required P&I reserves are $949.07 x 6=$5,694.42

433982279

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 been in the same profession for the past 5 years and 7 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years and 7 months.

433982279

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.

08.26.21 Updated value received, appraised value supported.

08.26.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 5 years and 7 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years and 7 months.

433888172

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

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 15 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. Currently 0 x 30 on all opened trade lines.

433888172

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

08.09.21 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 the same profession for the past 15 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. Currently 0 x 30 on all opened trade lines.

433982280

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

Credit

Legal Documents

Satisfied

A

A

A

A

CRDLGL988

Loan File is Missing or Contains Insufficient Documentation for Basic Review

No

Missing Letter of Acknowledgement stating appraised value is lesser than purchase price for the subject property.

10/25/21 - Lender provided a borrower acknowledgement that the appraised value is less than the purchase price.

10/25/21 - Signed CD is in file. - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  38% DTI is 11 points below the maximum allowed per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  12 months of P&I reserves required, 15.02 months of reserves available CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 713

433982281

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

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  760 credit score is 40 points above the minimum required per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 28 years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 13 years on the job CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.00% DTI is 15 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $224,253.36 or 44.96 months of PITIARequired P&I Reserves are $4,986.96 x 12 months = $59,843.52

433982282

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 16.72 months PI CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% is less than required of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 783 exceeds guidelines of 700

433982282

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 16.72 months PI CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% is less than required of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 783 exceeds guidelines of 700

433982284

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

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on the same job for the past 5 years and 1 month. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 5 years.

433982284

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.

08.26.21 Updated value received, appraised value supported.

08.26.21 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 1 month. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 5 years.

433982285

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 XXXDisbursement Date XXX

9.1.21 - Lender provided PCCD showing disbursement date as 8/12/21

9.1.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for 8 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 14 years in the profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  728 credit score is 28 points above the minimum required per guideline.

434424645

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.

10.27.21 Updated value received, appraised value supported.

10.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 30 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.26 months P&I exceeds guideline minimum of 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median  score > 10 points above guideline minimum 720 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 15 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x36

433982287

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 proof of receipt for Gift Funds deposited into the borrower's account totaling $335,000 from Mother and Fiance

10/12/21 - Lender responded only 2 gifts totaling $195k were used for qualification, no other gift funds were used.9/14/21 - Lender provided evidence of receipt of $195,000 in gift funds transfers, still missing $140,000 additional gift receipt of funds.

10.12.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for the past 3 years. 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.

433982287

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.

08.26.21 Updated value received, appraised value supported.

08.26.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for the past 3 years. 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.

433982291

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

08.20.21 Updated value received, appraised value supported.

08.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  742 credit score is 22 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  12 months P&I reserves required ($37,099.20), $46,865.96 available.

433982292

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 27.64 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 > 100 points above guideline minimum

433982293

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

08.25.21 Updated value received, appraised value supported.

08.25.21 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. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 12 years and 3 months in the profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.37% DTI is 12.63 points below the maximum allowed per guideline.

433982294

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:  Mortgage payment history is 0x30x38 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 13 years and 8 months on the job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  12 months P&I reserves required, 59.57 months available.

433982295

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 been in the same profession for the past 5 years and 6 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in the same residence for the past 5 years.

433982295

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

08.20.21 Updated value received, appraised value supported.

08.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 5 years and 6 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in the same residence for the past 5 years.

433982296

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 70.59% 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 $54,579.10 or 21.79  months of P&I reserves.Required P&I reserves are $2,503.91 x 12  = $30,046.92

433982296

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

08.20.21 Updated value received, appraised value supported.

08.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.59% 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 $54,579.10 or 21.79  months of P&I reserves.Required P&I reserves are $2,503.91 x 12  = $30,046.92

433982297

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $28,446.71 or 14.85 months of P&I reserves.Required P&I reserves are $1,914.99  x 12  = $22,979.88 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.43% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 778 exceed guideline requirement of 720 with 58 points.

433888197

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 51.13 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 > 30 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 140 points above guideline minimum

433982300

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.

09/28/2021  Client provided PCCD XXX

09/28/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  42.88% LTV is below the maximum allowed per guideline of 85%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for 5 year and 1 month. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 5 years and 5 months in the profession.

433982300

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  42.88% LTV is below the maximum allowed per guideline of 85%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at current residence for 5 year and 1 month. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 5 years and 5 months in the profession.

433982301

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% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.19% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 761 exceed guideline requirement of 700 with 61 points.

433982302

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years at the current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has 4 years at their current job. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at the current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has  21 months PITI reserves; guidelines require 6 months

433982303

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 spent a total of 6 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has spent 4 years in current profession.

433982303

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

Updated valuation received.

08.26.21 Updated value received, appraised value supported.

08.26.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has spent a total of 6 years at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has spent 4 years in current profession.

433982304

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

CRDAPP130

Application is incomplete

No

Missing signed letter from borrower acknowledging the Purchase price is XXX while the property only appraised for XXX

XXX - Lender provided an acknowledgement from the borrower the appraised value is less than the purchased price.

XXX - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 33.69%, maximum allowed 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 4 months at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has XXX months of P&I reserves; Guidelines require 12 months P&I reserves

433982304

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

XXX Updated value received, appraised value supported.

XXX Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 33.69%, maximum allowed 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 4 months at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has XXX months of P&I reserves; Guidelines require 12 months P&I reserves

434190677

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

XXX Updated value received, appraised value supported.

XXX Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI 30.02%max DTI 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 58.57Max LTV 75% CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 17 years and 2 months

433995504

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

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 10yrs 1yr in profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 28.79% guideline Max:49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $29,374.27 post close assets or 26.59 P&I.Required reserves are 12 months $1104.41x12= $13,252.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score 709 exceeds guidelines at 700.

433995504

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

XXX Updated value received, appraised value supported.

XXX Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10yrs 1yr in profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 28.79% guideline Max:49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $29,374.27 post close assets or 26.59 P&I.Required reserves are 12 months $1104.41x12= $13,252.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score 709 exceeds guidelines at 700.

434190678

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.

XXX - Lender provided a Post Close CD with a disbursement date after the effective date of the HOI.

10/15/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 48.64 months P&I exceeds guideline minimum of 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > XXX points above guideline minimum

434190678

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

XXX Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 48.64 months P&I exceeds guideline minimum of 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > XXX points above guideline minimum

434190679

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..

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 26 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post close assets are $126,726.73 or 42 months P&I reserves are $18,101.52x12=$36,203.04 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.67 is less than max of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 73.98 is less than max 75%

433982307

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4056

TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount

No

Total Payments equals XXX on the Borrower's Final CD. eClas value is off by $285. Exception satisfied.

(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 and 1 month. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $1,075,267.94 or 208.79 months of P&I.Required P&I Reserves are $5,149.86 x 3=$3158449.58. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > XXX points below guideline maximum of XXX%

433982307

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL988

Loan File is Missing or Contains Insufficient Documentation for Basic Review

No

Missing Lease Agreement for Property located at XXX supporting rental income of $4,568.00 as stated on Final 1003.

10/11/21 - Lender provided a lease for $5,200/mo exceeding the $4,568 needed.

10/11/21 - 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 and 1 month. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $1,075,267.94 or 208.79 months of P&I.Required P&I Reserves are $5,149.86 x 3=$3158449.58. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > XXX points below guideline maximum of XXX%

433982307

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

XXX Updated value received, appraised value supported.

XXX 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 and 1 month. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $1,075,267.94 or 208.79 months of P&I.Required P&I Reserves are $5,149.86 x 3=$3158449.58. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > XXX points below guideline maximum of XXX%

433888214

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.

XXX Updated value received, appraised value supported.

XXX Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 37.06 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 > 100 points above guideline minimum

433982310

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 37.50% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 797 exceed guideline requirement of 700 with 97 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $572,945.91 or 400.51 months of P&I reserves.Required P&I reserves are $1,430.52   x  6  = $8,583.12

433982310

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

08.27.21 Updated value received, appraised value supported.

08.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 37.50% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 797 exceed guideline requirement of 700 with 97 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $572,945.91 or 400.51 months of P&I reserves.Required P&I reserves are $1,430.52   x  6  = $8,583.12

433982311

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

08.27.21 Updated value received, appraised value supported.

08.27.21 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 41.72% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 769 exceed guideline requirement of 720 with 49 points.

433982312

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

08.20.21 Updated value received, appraised value supported.

08.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 7 years and 4 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 17 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $86,619.27 or 22.45 months of P&I.Required P&I Reserves are $3,856.81 x 12=$46,281.72. 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%

433982313

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 as CU in file has risk score of 2.6; max allowed is 2.5

08.27.21 Updated value received, appraised value supported.

08.27.21 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 3 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  max 49 % current 42.38 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for XXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  assets are $61,479.64 or 37.37 months P&IRequired reserves are 12 months P&I $1644.91x12= $19,738.92

433982314

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:  757 credit score is 37 points above the minimum required per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $82,230.04 or 18.07 months of PITIARequired P&I Reserves are $3,453.94 x 12 months = $41,447.28

433982314

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  757 credit score is 37 points above the minimum required per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $82,230.04 or 18.07 months of PITIARequired P&I Reserves are $3,453.94 x 12 months = $41,447.28

434190680

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

09.13.21 Updated value received, appraised value supported.

09.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 31.9% below guideline requirement 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 49.04 below guideline requirements 80%

433995505

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

08.27.21 Updated value received, appraised value supported.

08.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post Close Assets are $54,032.02 or 23.03 months of P&IRequired P&I reserves are $2,345.70 x 12 = $28,148.40 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 789 and the minimum credit score is 720.

434190681

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:  67.01% LTV is 7.99 points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  722 credit score is 22 points above the minimum allowed per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for XXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $35,300.30 or 28.87 months of P&I Required P&I Reserves are $1,222.62 x 12 months = $14,671.44

433982316

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 XXX 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:  Mortgage payment history is XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $147,097.39 or 23.06 months of P&I.Required P&I Reserves are $6,377.99 x 12=$76,535.88. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > XXX points above guideline maximum of XXX CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 9 years and 2 months. CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower has been in the same profession for the past 6 years and 9 months.

433982316

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

08.27.21 Updated value received, appraised value supported.

08.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $147,097.39 or 23.06 months of P&I.Required P&I Reserves are $6,377.99 x 12=$76,535.88. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > XXX points above guideline maximum of XXX CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have resided at the same residence for the past 9 years and 2 months. CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower has been in the same profession for the past 6 years and 9 months.

433982317

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 XXX 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:  783 credit score is 63 points above the minimum required per guideline.

433982317

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 credit score is 63 points above the minimum required per guideline.

433982318

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  70.00% LTV is 15 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 credit score is 80 points above the minimum allowed per guideline. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 8 years in the profession

434567166

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3952

TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established

No

On CD-XXX, the taxes and insurance are escrowed but in loan disclosures section, it indicates borrower will not have an escrow account due to declining it.

11/12/21- Lender provided a revised Post Close CD (XXX) with the Projected payments and Loan Disclosures matching comments that there will be an escrow account.

11/12/21 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 12years in the profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 725 exceeds guidelines.

434567166

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3961

TRID - CD: The amount of the periodic escrow payment in the Projected Payments section does not equal the periodic escrow payment disclosed in the Loan Disclosures section

No

On CD-10/21/2021, the taxes and insurance are escrowed but in loan disclosures section, it indicates borrower will not have an escrow account due to declining it.

11/12/21 - Lender provided a revised Post Close CD (XXXX) with the Projected payments and Loan Disclosures matching comments that there will be an escrow account.

11/12/21 - Exception satisfied.

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 12years in the profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 725 exceeds guidelines.

434567166

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 12years in the profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 725 exceeds guidelines.

433982320

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.

08.27.21 Updated value received, appraised value supported.

08.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 6 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past XXX years.

433995506

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:  30.90% DTI Below lenders requirements of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% Below guideline requirements max 80%LTV CFCFS2860: Good credit history - Clayton Comments:  Good credit history 0x 30 late

433995506

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

08.27.21 Updated value received, appraised value supported.

08.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  30.90% DTI Below lenders requirements of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% Below guideline requirements max 80%LTV CFCFS2860: Good credit history - Clayton Comments:  Good credit history 0x 30 late

433982321

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

C

B

A

A

A

A

C

B

C

B

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 4 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO is >XXX points XXX guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI >XXX points below guideline maximum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history shows 0x30x83

433982321

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Assets

Active

C

B

C

B

CRDAST115

Cash reserves do not meet guidelines

No

Post Close Assets are $52,657.53 or 11.5 months of P&I.Required P&I Reserves are $4,575.09 x 12=$54,901.08.

9.24.21 - Lender provided PCCD showing finals funds (Short $1,451.88)

9.24.21 - Non-Material B

(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. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO is >XXX points XXX guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI >XXX points below guideline maximum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history shows 0x30x83

433982321

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

XXX Updated value received, appraised value supported.

08.20.21 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. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO is >XXX points XXX guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI >XXX points below guideline maximum CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history shows 0x30x83

433995507

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 44%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 744, minimum allowed 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years and 3 months at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 17.35 months of P&I reserves; Guidelines require 12 months of P&I reserves

433995507

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

08.30.21 Updated value received, appraised value supported.

08.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 44%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 744, minimum allowed 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years and 3 months at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 17.35 months of P&I reserves; Guidelines require 12 months of P&I reserves

434709358

XXXXXX

VA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Compliance

Section 32

Satisfied

C

A

C

A

CMPS32371

Section 32 Loan per Points and Fees Test

No

Adjusted Charges $13,239.60 Maximum Charges % 5.000% Maximum Charges $11,488.64 Charges Margin to Threshold $1,750.96 Total Charges % 5.762%

11/16/21 - Upon further review, the fees pass the threshold test.

11/16/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x25 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 15 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%

434709358

XXXXXX

VA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

XXX Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x25 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on same job for 15 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%

433982323

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

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has spent a total of 6 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative credit score of 796 is 78 points above the lender's requirement of 720.

433982323

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

Credit

Terms/Guidelines

Satisfied

N/A

A

N/A

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing signed letter from borrower acknowledging the Appraised Value is less than Purchase Price

10/11/21 - Received letter from the borrower acknowledging the appraised value is less than the purchase price.

10/11/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has spent a total of 6 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative credit score of 796 is 78 points above the lender's requirement of 720.

433982323

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

08.27.21 Updated value received, appraised value supported.

08.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has spent a total of 6 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative credit score of 796 is 78 points above the lender's requirement of 720.

433982324

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post close assets are $96,220.86 or 26.54 months P&IRequired P&I Reserves are $3,625.18 x 12 = $43,502.16 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.17% is less than max of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% is less than required of 85%

433982325

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 2 years and 7 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years.

433982325

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

08.27.21 Updated value received, appraised value supported.

08.27.21 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 7 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 4 years.

433982326

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

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower mortgage payment 0x30x99 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 53.33%, maximum allowed 75% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 17 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years and 3 months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 763, minimum allowed 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 52.36 months of P&I reserves; Guidelines require 6 months P&I reserves

433982327

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

08.27.21 Updated value received, appraised value supported.

08.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 792 and the minimum credit score is 720. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 42.02% is > 5 points below the program max DTI of 49%.

433995508

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

08.27.21 Updated value received, appraised value supported.

08.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 26.30%, maximum allowed 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 770, minimum allowed 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 47.98 months of P&I reserves; Guidelines require 12 months of P&I reserves CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 25 years in profession

433982328

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:  793 credit score is 73 points above the minimum required per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years and 5 months in the profession

433982328

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 $38,800.92 or 9.38 months of PITIARequired P&I Reserves are $3,228.80 x 12 months = $38,745.60

9/30/21 - Lender provided Post Close CD reflecting sufficient cash for reserves, $39,172.05.

9/30/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 credit score is 73 points above the minimum required per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years and 5 months in the profession

433982328

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: XXXDisbursement Date: XXX

10/11/21 - Lender provided a PCCD reflecting a disbursement date after the effective date of the HOI.

10/11/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 credit score is 73 points above the minimum required per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years and 5 months in the profession

433982328

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 credit score is 73 points above the minimum required per guideline CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years and 5 months in the profession

434067547

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 770 and the minimum credit score is 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower has been at current residence for 5 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $34,364.10 or 23.20 months of P&IRequired P&I reserves are $1,481.25 x 12 = $17,775.00 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 40.06%, max allowed is 49%

433995510

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

08.27.21 Updated value received, appraised value supported.

08.27.21 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. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in current field for 8 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 8 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Post Close Assets are $30,884.13 or 17.50 months of P&IRequired P&I reserves are $1764.30 x 6 = $10,585.80 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433982329

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

08.27.21 Updated value received, appraised value supported.

08.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  over 2 years CFCFS2854: Significant time in profession - Clayton Comments:  over 4 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  MAX 90 CURRENT 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $135,061.85 or 35.73 months of P&I reserves.Required P&I Reserves are $3,779.92 x 12 = $45,359.04

433982330

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:  54.29% LTV is 20.71 points below the maximum allowed per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.12% DTI is >10 points below the maximum allowed per guideline.

433982330

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

10.11.21 - Lender provided PCCD showing disbursement date as XXX

10.11.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  54.29% LTV is 20.71 points below the maximum allowed per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.12% DTI is >10 points below the maximum allowed per guideline.

433982330

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  54.29% LTV is 20.71 points below the maximum allowed per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.12% DTI is >10 points below the maximum allowed per guideline.

433982331

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:  776 credit score is 56 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 12 years and 5 months on the profession.

433982331

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 XXXDisbursement Date XXX

9/24/21 - Lender provided a PCCD reflecting a disbursement date after the HOI effective date.

9/24/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  776 credit score is 56 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 12 years and 5 months on the profession.

433982331

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

08.27.21 Updated value received, appraised value supported.

08.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  776 credit score is 56 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 12 years and 5 months on the profession.

433982332

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:  75.00% LTV is 10 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  804 credit score is 84 points above the minimum required per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 35 years at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.68% DTI is 19.32 points below the maximum allowed per guideline.

433982332

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

D

A

D

A

CRDINSR2400

Missing Flood Certification Document

No

Missing Flood Certification Document

10.11.21 - Lender provided flood cert.

10.11.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75.00% LTV is 10 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  804 credit score is 84 points above the minimum required per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 35 years at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.68% DTI is 19.32 points below the maximum allowed per guideline.

433982333

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 been in current field for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 764 and the minimum credit score is 720.

433982333

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

08.20.21 Updated value received, appraised value supported.

08.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 764 and the minimum credit score is 720.

434709360

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has spent 28 years 2 months at profession. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has spent a total of 4 years at current residence.

434424646

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

10.27.21 Updated value received, appraised value supported.

10.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x50 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of700 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30x50 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is > 10 points below guideline (Max DTI 49%)

433995513

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

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

Loan Product changed from a ARM to a FRM with a valid COC on XXX. Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 79.99% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 789 exceed guideline requirement of 700 with 89 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.49% below maximum of 49%

433995513

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

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 79.99% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 789 exceed guideline requirement of 700 with 89 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.49% below maximum of 49%

433995513

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

08.30.21 Updated value received, appraised value supported.

08.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 79.99% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 789 exceed guideline requirement of 700 with 89 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.49% below maximum of 49%

433995514

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:  731 credit score is 11 points above the minimum required per guideline CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years and 9 months on current job

433995514

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

08.30.21 Updated value received, appraised value supported.

08.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  731 credit score is 11 points above the minimum required per guideline CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years and 9 months on current job

434424647

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

Right of Rescission

Active

B

B

B

B

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

No

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 778 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 101.79 months reserves exceeds 12 months P&I requirement per guideline

434424647

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR2400

Missing Flood Certification Document

No

Flood document is not in file

11/3/21 - Lender provided a copy of the missing Flood Certification.

11/3/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 778 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 101.79 months reserves exceeds 12 months P&I requirement per guideline

434424647

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

10.27.21 Updated value received, appraised value supported.

10.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 778 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 101.79 months reserves exceeds 12 months P&I requirement per guideline

433982337

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:  Median fico exceed guideline minimum  >50 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30x49 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $229,796.53 or 88.42 months of P&I reserves.

433995515

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: XXX Disbursement Date: XXX

9/28/21 - Lender provided a PCCD reflecting a disbursement date later than the effective date of the HOI.

9/28/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75.00% LTV is 10 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 credit score is 85 points above the minimum allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 13 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years and 6 months on current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  40.51% DTI is 8.49 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $391,973.83 or 58.52 months of PITIRequired P&I Reserves are $5,114.10 x 12 months = $61,369.20

433995515

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

08.30.21 Updated value received, appraised value supported.

08.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75.00% LTV is 10 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  805 credit score is 85 points above the minimum allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 13 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years and 6 months on current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  40.51% DTI is 8.49 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $391,973.83 or 58.52 months of PITIRequired P&I Reserves are $5,114.10 x 12 months = $61,369.20

434067549

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 732 qualifies 720 permissible for A grade. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $51,327.42 or  17.17 months of P&I. Required P&I Reserves are $2988.47 * 12= number of  months = $35,861.64 .

433982339

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

08.20.21 Updated value received, appraised value supported.

08.20.21 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 8 years and 1 month. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years.

434190684

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

09.13.21 Updated value received, appraised value supported.

09.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  7 years at current residence. CFCFS2860: Good credit history - Clayton Comments:  No derogatory credit reported. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $145,379.00  or 38.88 months of P&I reservesRequired P&I Reserves are $1,129.00 x 12 = $13,548.00. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 741 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 38.30

434190685

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

09.20.21 Updated value received, appraised value supported.

09.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current address for 17 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been self employed for 30 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co borrower has been at current job for 10 years.

434190686

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $97,775.22  or 24.90 months of PITIRequired P&I Reserves are $3,048.12 x 12 months = $ 36,577.44

434190687

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

09.20.21 Updated value received, appraised value supported.

09.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 47.34 months P&I exceeds guideline minimum of 6 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 60 points above guideline minimum

433982340

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 XXX 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 been in the same profession for the past 4 years and 1 month. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years and 1 month.

433982340

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 proof of Gift Receipt for $76,982.92

10/1/21 - Lender provided evidence of the wire transfer of $76,982.92

10/1/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 4 years and 1 month. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years and 1 month.

433982340

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.

08.27.21 Updated value received, appraised value supported.

08.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for the past 4 years and 1 month. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the same residence for the past 2 years and 1 month.

433995518

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID5215

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

No

CD XXX Buyer and Seller Commissions combined. PCCD XXX satisfies exception.

(No Data)

Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $201,862.84 or 50.55 months of P&IRequired P&I Reserves are $3101.79 x 12 = $37,221.48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 752 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 41.14%, max allowed is 49%

433995518

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR2400

Missing Flood Certification Document

No

Missing Flood Certification Document

XXX- Lender provided a copy of the missing Flood Cert.

XXX - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $201,862.84 or 50.55 months of P&IRequired P&I Reserves are $3101.79 x 12 = $37,221.48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 752 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 41.14%, max allowed is 49%

433995518

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

08.30.21 Updated value received, appraised value supported.

08.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $201,862.84 or 50.55 months of P&IRequired P&I Reserves are $3101.79 x 12 = $37,221.48 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 752 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 41.14%, max allowed is 49%

433995519

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

XXX Updated value received, appraised value supported.

XXX Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 18 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 19 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 777 and the minimum credit score is 720.

433982341

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

CFCFS1737: LTV below guideline requirements - Clayton Comments:  49.37 LTV Below guideline requirements. CFCFS1744: DTI below guideline requirement - Clayton Comments:  48.19% DTI below guidelines of max 49% CFCFS2860: Good credit history - Clayton Comments:  Good credit history XXX late

433982342

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median  score > 140 points above guideline minimum

434067551

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10yrs in profession. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history of XXXMonths with no BK'S FK'S or delinquent payments. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's credit score 784, guideline Min. 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's verified cash reserve $64,523.03 exceeds guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 39.79% guideline Max. 49%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

433995520

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 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 71.31% is less than required of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 742 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 44.56%

433995520

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..

09.16.21 Updated value received, appraised value supported.

09.16.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 71.31% is less than required of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 742 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 44.56%

434067552

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 41.85% max 49% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 784 and the minimum credit score is 720.

433995521

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

08.30.21 Updated value received, appraised value supported.

08.30.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  71.85 % LTV below guideline max of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.20 DTI below guideline requirements 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $111,607.97  or 15.82 months of P&IRequired P&I Reserves are $7,053.56 x 12 months = $ 84,642.72.

434190688

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 of XXX on the ROR.

XXX  Client provided PCCD XXX

XXX - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX% LTV is XXX points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX credit score is XXX points above the minimum allowed per guideline

434190688

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.

XXX  Client provided PCCD XXX

XXX - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX% LTV is XXX points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX credit score is XXX points above the minimum allowed per guideline

434190688

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

XXX Updated value received, appraised value supported.

XXX Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  XXX% LTV is XXX points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX credit score is XXX points above the minimum allowed per guideline

434067553

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

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has spent 5 years 5 months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrowers Post Close Assets are $73,686.32 or 23 months (PITI)Required P&I Reserves - $2,479.38*12 = $249,752.56

434067553

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has spent 5 years 5 months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrowers Post Close Assets are $73,686.32 or 23 months (PITI)Required P&I Reserves - $2,479.38*12 = $249,752.56

434190689

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:  Verified Assets $303,569.63 actual $XXX purchasei transaction, less Cash to Close $176,104 Reserves $87,596.63 or 14.73 months PI.  Reserves for 12 months are required due to 85% LTV. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job, ten (10) years.

434424648

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

10.27.21 Updated value received, appraised value supported.

10.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.26% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 778 exceed guideline requirement of 700 with 78 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 5 months at current job

434067554

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:  Borrower's DTI is 28.55%, max allowed is 49% CFCFS2854: Significant time in profession CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 80%, Max allowed 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets are $73,515.89 or  21.38 months P&I.  reserves.Required P&I reserves are $3,437.27 x 6 = $20,623.62

434190690

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

09.02.21 Updated value received, appraised value supported.

09.02.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  802 credit score is 82 points above the minimum required per guideline. CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.55% DTI is 10.45 points below the maximum allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in subject residence for 10 years.

434067555

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  80% LTV below lender guideline max of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  27.86 DTI is below guideline requirement of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $43,368.11 or 18.29 months of P&I Required P&I Reserves are $2,370.85 x 12 months = $ 28,450..02

434567167

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $58,869.79 or 16.00 months of P&I reserves Required P&I Reserves are $3,678.92 X 12 months = $44,147.04 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years and 1 month at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 45.44%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 708, minimum guideline score 700

434190691

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 of XXX on the ROR.

10.13.21 - Lender provided PCCD showing disbursement date as XXX

10.13.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 44.55 months P&I exceeds guideline minimum of 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 25 points below guideline maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > XXXpoints below guideline maximum of XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum

434190691

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 44.55 months P&I exceeds guideline minimum of 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 25 points below guideline maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > XXXpoints below guideline maximum of XXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum

434190692

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 XXX 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 74.98% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.71% below maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $116,142.29 or 63.63 months of P&I reserves.Required P&I reserves are $1,825.24   x   12 =  $21,902.88

434190692

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

10/11/21 - Lender provided a Post Close CD reflecting a disbursement date later than the effective date for the HOI.

10/11/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 74.98% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.71% below maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $116,142.29 or 63.63 months of P&I reserves.Required P&I reserves are $1,825.24   x   12 =  $21,902.88

434190692

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 74.98% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.71% below maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $116,142.29 or 63.63 months of P&I reserves.Required P&I reserves are $1,825.24   x   12 =  $21,902.88

434067556

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 10 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in current field for 8 years.

434190693

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Credit

Income/Employment

Satisfied

N/A

A

N/A

A

CRDINC2408

Income verification does not meet guidelines

No

File is missing CPA letter stating business does not show loss for past 2 years required per loan approval.

10.12.21 - Lender provided CPA letter showing no negative income.

10.12.21 - 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 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $190,107.43 or 33.30 months of PITI Required P&I Reserves are $4,016.69 x 12 months = $48,200.28

434190693

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

09.23.21 Updated value received, appraised value supported.

09.23.21 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 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $190,107.43 or 33.30 months of PITI Required P&I Reserves are $4,016.69 x 12 months = $48,200.28

434190696

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's representative score is 784 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $121,514.74  or 15.11  months of P&I CFCFS1744: DTI below guideline requirement - Clayton Comments:  Actual 47.44 -Max DTI 49%.

434270607

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

09.29.21 Updated value received, appraised value supported.

09.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  770 credit score is 50 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years and 1 month at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.23% DTI is 11.77 points below the maximum allowed per guideline

433982343

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

08.25.21 Updated value received, appraised value supported.

08.25.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  70.00% LTV is 15 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  747 credit score is 27 points above the minimum required per guideline. CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.98% DTI is 10.02 points below the maximum allowed per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $82,615.04 or 26.12 months of P&I reserves.Required P&I Reserves are $2,837.44 x 12 = $34,049.28

434424649

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 > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of700Credit score is > 10 points above guideline maximum of660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $94,013.42 or 12.01 months of P&I

434424650

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 was the 10/13. End of ROR period is 10/13.

11/8/21 - Lender provided a post close CD with a disbursement date after the ROR had expired.

11/8/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 725 is > 20 more than guideline requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (37.12%) > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (32.61%) > 10 points below guideline maximum of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 22.84 months reserves exceeds 6 months P&I requirement per guideline

434424650

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 to support original appraised value.

10.27.21 Updated value received, appraised value supported.

10.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 725 is > 20 more than guideline requirement CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (37.12%) > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (32.61%) > 10 points below guideline maximum of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 22.84 months reserves exceeds 6 months P&I requirement per guideline

434067559

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 XXX 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:  32.07 DTI below requirements of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  790 Credit score exceeds guidelines of >720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  80% LTV below guideline requirements of max 85%

434190698

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.

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.12 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum

434067560

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 XXX 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 755 and the minimum credit score is 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 74.88% is > 10 points below the program max LTV of 85%.

434067560

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

09.13.21 Updated value received, appraised value supported.

09.13.21 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 74.88% is > 10 points below the program max LTV of 85%.

434568202

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

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 61.31%, maximum allowed 75% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 39.10%, maximum allowed 49% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x43 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $149,392.49 or 39.31 months of P&I reserves Required P&I Reserves are $3,800.41 X 12 months = $22,802.46 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 715, minimum guideline score  700

434067562

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

CMPTRID5291

TRID:  CD: The amount of Estimated Escrow in the Projected Payments section is inaccurate

No

CD 8/25/21 Estimated Escrow $1415.06. Initial Escrow Account Disclosure XXX Escrow Payment $1104.06.

10/11/21 - Lender provided an updated initial escrow disclosure statement matching the Estimated Escrow statement

10/11/21 - Exception satisfied.

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7yrs 1Months at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 12yrs 7Months at current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's credit score 789, guideline Min. 720 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower's credit history of 105Months exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $42,633.12 in cash reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x78

434067562

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

09.13.21 Updated value received, appraised value supported.

09.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7yrs 1Months at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 12yrs 7Months at current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's credit score 789, guideline Min. 720 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower's credit history of 105Months exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $42,633.12 in cash reserves. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x78

434568203

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

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >10 at 720 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30x25 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 14 points below guideline (Max DTI 49%) CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been with employer in this profession the past: XXX XXX CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x25

434067564

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 XXX XXX XXX at current job. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX XXX in profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $XXX or XXX months of P&I reserves.XX required P&I Reserves are $XXX x XXX = $X CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's credit score XXX, guideline Min. XXX CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower's credit history of XXX Months XXX guidelines.

434067566

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

09.09.21 Updated value received, appraised value supported.

09.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score  778 qualifies 720 permissible. CFCFS1737: LTV below guideline requirements - Clayton Comments:  51% ltv qualifies up to 85% permissible. CFCFS2860: Good credit history - Clayton Comments:  Good credit history  0x 30X24 ;  26 months OPEN BANK Mtg. CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI qualifies up to XXX% permissible. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $118,594 or  67.12 months of P&I.  Required P&I Reserves are $1766.79*12= number of  months = $21,201.48

434190701

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Post Close Assets are $25,946.02 or 11.74 months of P&I reservesRequired P&I Reserves are $2,210.80 x 12 = $26,529.60Only shore $583.58

11/1/21 - Borrower received cash back of $25,900+ from refinance plus cash back of $25,000 on this purchase provided sufficient reserves.

11/1/21- Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 150 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > XXX points below guideline maximum of XXX% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

434190701

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing Final CD from borrower's cash-out refinance of borrower's primary home, XXXProceeds in the amount of $287,077.38 were used from that Transaction for this purchase transaction

10.29.21 - Lender responded wire came from title company that provided the estimated HUD (Still need final CD to confirm funds)11/1/21 - Lender provided a copy of the Final HUD1 on XXX reflecting cash back of $287,077.38.

10.29.21 - Exception remains11/1/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 150 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > XXX points below guideline maximum of XXX% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

434190701

XXXXXX

CA

(No Data)

ATR/QM: Exempt

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

09.13.21 Updated value received, appraised value supported.

09.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 150 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > XXX points below guideline maximum of XXX% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

434067567

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

09.13.21 Updated value received, appraised value supported.

09.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 34.10%, maximum allowed 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 795, minimum allowed 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 12 years and 3 months at current residence CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 17 years and 5 months in profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 16.19 months of P&I reserves, guidelines require 12 months of P&I reserves CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower mortgage payment 0x30x48

434190703

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

B

A

D

A

D

A

D

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 30 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 70 points above guideline minimum

434190703

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

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.

9.13.21 - Lender provided loan approval.

9.13.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 30 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 70 points above guideline minimum

434190703

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

09.02.21 Updated value received, appraised value supported.

09.02.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 30 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 70 points above guideline minimum

434067568

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 been in the same profession for 35 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $131,105.06 or 27.05 months PI CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% is less than required of 85%

434067568

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

09.13.21 Updated value received, appraised value supported.

09.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 35 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $131,105.06 or 27.05 months PI CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% is less than required of 85%

434270608

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

09.28.21 Updated value received, appraised value supported.

09.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  761 credit score is 41points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years and 5 months on current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $361,812.22  or 81.37 months of P&IRequired P&I Reserves are $3,402.39 x 12 months = $40,828.80

434190705

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Missing signed letter from borrower acknowledging Purchase Price of XXX vs Appraised value of XXX

10/12/21 - Lender provided an acknowledgement from the borrower that the purchase price is higher than the appraised value.

10/12/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 182.76 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum

434190705

XXXXXX

CA

(No Data)

ATR/QM: Exempt

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.

09.20.21 Updated value received, appraised value supported.

09.20.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 182.76 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum

434067570

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $61,944.93 or 25.99 months of P&I reserves.Required P&I reserves are $2,382.83   x  12 =  $28,593.96 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.34% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 755 exceed guideline requirement of 720 with 35 points.

434190706

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Missing signed letter from borrower acknowledging the Appraised value of XXX and a Purchase Price of XXX

10.11.21 - Lender provided LOX from borrower acknowledging the Appraised value is lower than purchase price.

10.11.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Representative mean FICO score of 707 is >20 points more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $598,902.16 cash reserves

434190706

XXXXXX

CA

(No Data)

ATR/QM: Exempt

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

09.13.21 Updated value received, appraised value supported.

09.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Representative mean FICO score of 707 is >20 points more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have $598,902.16 cash reserves

434709362

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 to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  806 credit score is 86 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  57.60% LTV is 27.40points below the maximum allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 13 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  XXX% DTI is XXX points XXX the maximum allowed per guideline

434270609

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:  730 credit score is 10 points above the minimum required per guideline

434270609

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

09.28.21 Updated value received, appraised value supported.

09.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  730 credit score is 10 points above the minimum required per guideline

434190707

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.

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 18.71 months P&I exceeds guideline minimum of 12 months.

434190709

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.

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 81.89 months P&I exceeds guideline minimum of 12 months. 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.

434190710

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.

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 15 points below guideline maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 29.57 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score >120 points above guideline minimum

434190712

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  771 Credit score is 51 points above the minimum required per guideline

434190712

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  771 Credit score is 51 points above the minimum required per guideline

434190713

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:  26.81 DTI below guidelines requirements, CFCFS2860: Good credit history - Clayton Comments:  Good credit history credit score 803. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $148,568.66 or 3210.94 months of P&I.Required P&I Reserves are $3,210.94 x 12 months = $ 38,531.28.

434190713

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

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.81 DTI below guidelines requirements, CFCFS2860: Good credit history - Clayton Comments:  Good credit history credit score 803. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $148,568.66 or 3210.94 months of P&I.Required P&I Reserves are $3,210.94 x 12 months = $ 38,531.28.

434190714

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

10.7.21 - Lender provided PCCD showing disbursement date as XXX

10.7.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.43% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 808  exceed guideline requirement of 700 with 108 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $107,937.27 or 29.42 months of P&I reserves.Required P&I reserves are $3,669.42   x  12  =  $44,033.04

434190714

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

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.43% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 808  exceed guideline requirement of 700 with 108 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $107,937.27 or 29.42 months of P&I reserves.Required P&I reserves are $3,669.42   x  12  =  $44,033.04

434190715

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

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10yrs at current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 50yrs in profession. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7yrs 6Months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $105,101.19 or 32.82 months of PITI.Required P&I Reserves are $3,201.71 x 6 months = $19,210.26

434067571

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

09.10.21 Updated value received, appraised value supported.

09.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.28% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 719 exceed guideline requirement of 700 with 19 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 49.02% below maximum of 85%

434190716

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

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 52.08% Max LTV 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets are 176,313.49 or 27.17 months of P&IRequired P&I reserves are 6588.34 x 6 = $39,530.04

434568204

XXXXXX

CT

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 to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is XXX CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (51.17%) > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 696 is > 10 more than guideline requirement 680

434568204

XXXXXX

CT

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

FEMA

Satisfied

C

A

C

A

PRVAFEMA217

Natural Disaster Area, no subsequent inspection (Individual)

No

Missing PDI for declaration #XXX declared XXX: XXX

11/16/21 - Lender provided a copy of the Post Disaster Inspection report reflecting no damage to the subject property.

11/16/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is XXX CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (51.17%) > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 696 is > 10 more than guideline requirement 680

434190717

XXXXXX

PA

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  64.71% LTV is 20.29 points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  790 credit score is 70 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 9 years and 6 months on the job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $210,288.62 or 98.72 months of P&IRequired P&I Reserves are $2,130.15 x 6 months = $12,780.90

434190717

XXXXXX

PA

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

PRVAFEMA217

Natural Disaster Area, no subsequent inspection (Individual)

No

Natural Disaster Area, no subsequent inspection

10/25/21 - Lender provided a post disaster inspection reflecting no damage to the subject property.

10/25/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  64.71% LTV is 20.29 points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  790 credit score is 70 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 9 years and 6 months on the job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $210,288.62 or 98.72 months of P&IRequired P&I Reserves are $2,130.15 x 6 months = $12,780.90

434190718

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.

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 37.13 months P&I exceeds guideline minimum of 12 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 70 points above guideline minimum

434568205

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 to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 37.69% which is below the required DTI of 49%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $34,767.13 or 18.17 months of P&I reserves.Required P&I Reserves are $1,913.65 x 12 = $22,963.80.

434190720

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 XXX 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:  794 credit score is 74 points above the minimum required per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $227,897.11 or 53.41 months of PITIRequired P&I Reserves are $3,378.19 x 12 months = $40,538.28

434190720

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  794 credit score is 74 points above the minimum required per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $227,897.11 or 53.41 months of PITIRequired P&I Reserves are $3,378.19 x 12 months = $40,538.28

434067572

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

09.13.21 Updated value received, appraised value supported.

09.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10yrs at current residence. CFCFS2854: Significant time in profession CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history of 110Months with no BK'S, FK'S or delinquent payments. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI 25.59% Guideline Max. 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's Credit score 796, guideline Min. 600 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Borrower's Post Close Assets are $63,241.98 or 15.65 months of P&I reserves.Required P&I Reserves are $4,040.84 x 12 = $48,490.08

434917464

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:  65.00% LTV is 10 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $63,161.54  or 34.10 months of P&I Required P&I Reserves are $1,852.41 x 6 months = $11,114.46 CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.20% DTI is 10.80 points below the maximum allowed per guideline

434270610

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

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years and 8 months at current job

434270610

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

CRDAPP130

Application is incomplete

No

Appraised Value is $XXXPurchase Price is $XXXThere is no signed letter from borrower acknowledging the Value and Purchase Price

10/15/21 - Lender provided an addendum to the purchase contract for the $XXX selling price.

10/15/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years and 8 months at current job

434270610

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

09.28.21 Updated value received, appraised value supported.

09.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years and 8 months at current job

434424652

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's Post Close Assets are $79,386.96 or 18.66 months of P&I reserves Required P&I Reserves are $4,253.08 X 12 months = $51,036.96 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 756, minimum guideline score 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years at current job

434190721

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

09.24.21 Updated value received, appraised value supported.

09.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  741 credit score is 21 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $42,704.12 or 24.46 months of PITIRequired P&I Reserves are $1,745.33 x 12 months = $20,943.96

434190722

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

10/1/2021 - Lender provided a post close CD reflecting a disbursement date later than the effective date as the HOI.

XXX - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 724 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Actual DTI  42.61 - Max DTI 49%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been with employer in this profession the past: 5 years.

434190722

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

Updated valuation in file dated XXX

09.13.21 Updated value received, appraised value supported.

XXX Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 724 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Actual DTI  42.61 - Max DTI 49%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been with employer in this profession the past: 5 years.

434190723

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 > 20 points below guideline maximum of 49X% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434190723

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.

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49X% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434190724

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

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  752 credit score is XXX above the minimum required per guideline. CFCFS1737: LTV below guideline requirements - Clayton Comments:  60.50% LTV is 14.50 points below the maximum allowed per guideline CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has 12 years and 8 months on the job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.50% DTI is 12.50 points below the maximum allowed per guideline

434190725

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.

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 60 points below guideline maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 82.11 months P&I exceeds guideline minimum of 6 months.

434568206

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR1911

Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor

No

Incorrect ROR form used  H9 form used in refinance with different original creditor.

XXX - Lender provided a letter of explanation on how they were named XXX before the name change to XXX.  Making the correct ROR H9, the one used.

XXX - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 35.45% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX below maximum of XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 793 exceed guideline requirement of 700 with 93 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $17,593.88  or  16.67  months of P&I reserves.Required P&I reserves are $1,055.21  x   6 = $6,331.26

434568206

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

XXX Updated value received, appraised value supported.

XXX Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 35.45% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of XXX below maximum of XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 793 exceed guideline requirement of 700 with 93 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $17,593.88  or  16.67  months of P&I reserves.Required P&I reserves are $1,055.21  x   6 = $6,331.26

434190727

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 > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum

434190727

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

09.23.21 Updated value received, appraised value supported.

09.23.21 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 > 50 points above guideline minimum

434190728

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

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  794 credit score is 74 points above the minimum required per guideline. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been on current job for 9 years and 9 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has 9 years and 9 months on current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.21% DTI is 17.79 points below the maximum allowed per guideline. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $189,558.26 or 24.97 months of PITIRequired P&I Reserves are $5,509.73 x 12 months = $66,116.76

434809221

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5215

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

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 794 exceed guideline requirement of 700 with 94 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.49% below maximum of 49%

434809221

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3568

TRID - Error discovered on the Loan Estimate

No

Missing Final LE dated 10/1/21.

12/8/21 - Lender provided a copy of the missing XXX LE.

12/8/21 - 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 794 exceed guideline requirement of 700 with 94 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.49% below maximum of 49%

434809221

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

12.07.21 Updated value received, appraised value supported.

12.07.21 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 794 exceed guideline requirement of 700 with 94 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.49% below maximum of 49%

434567169

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 updated valuation

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 33 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 31.78%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $94,528.39 or 79.08 months of P&I reserves Required P&I Reserves are $1,195.37 X 12 months = $14,344.44 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same job for 33 years.

434190729

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 17.03 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum

434424653

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 .

10.13.21 Updated value received, appraised value supported.

10.13.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85%

434190730

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 Coverage Effective Date: XXXDisbursement Date: XXX

10.15.21  - Lender provided PCCD showing disbursement date as XXX

10.15.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  47.18% LTV is 37.82 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $189,554.72 or 94.90 months of PITIRequired P&I Reserves are $2,001.15 x 672onths = $12,006.96

434190730

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  47.18% LTV is 37.82 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $189,554.72 or 94.90 months of PITIRequired P&I Reserves are $2,001.15 x 672onths = $12,006.96

434424654

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

10.28.21 Updated value received, appraised value supported.

10.28.21 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 40.75% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 780 exceed guideline requirement of 720 with 80 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $32,458.29 or 50.42 months of P&I reserves.Required P&I reserves are $643.73  x  12 = $7,724.76

434190731

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  758 credit score is 38 points above the minimum required per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $144,832.54  or 29.93 months of PITIRequired P&I Reserves are $4,838.16 x 12 months = $58,057.92

434270611

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

09.29.21 Updated value received, appraised value supported.

09.29.21 Exception Satisfied.

(No Data)

Not Applicable

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% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 59.08 months P&I exceeds guideline minimum of 12 months

434190732

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

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

The Initial CD:XXXhas a stated APR of XXX and the Final CD:XXXhas a stated APR of XXX The APR actually decreased from the Initial CD to the Final CD and is within the desired tolerance level. Exception satisfied.

(No Data)

XXX Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  30.86% LTV is 49.14 points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  714 credit score is 14 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $35,891.75  or 30.10 months of PITIRequired P&I Reserves are $1,192.10 x 6 months = $7,152.60 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x66

434190732

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

B

A

B

A

CMPTRID5215

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

No

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

(No Data)

XXX Exception Satisfied.

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  30.86% LTV is 49.14 points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  714 credit score is 14 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $35,891.75  or 30.10 months of PITIRequired P&I Reserves are $1,192.10 x 6 months = $7,152.60 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x66

434190732

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.

10/15/21 - Lender provided a copy of the seller CD.

10/15/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  30.86% LTV is 49.14 points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  714 credit score is 14 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $35,891.75  or 30.10 months of PITIRequired P&I Reserves are $1,192.10 x 6 months = $7,152.60 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x66

434190732

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  30.86% LTV is 49.14 points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  714 credit score is 14 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $35,891.75  or 30.10 months of PITIRequired P&I Reserves are $1,192.10 x 6 months = $7,152.60 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x66

434190733

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

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 credit score is 54 points above the minimum required per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.57% DTI is 19.43 points below the maximum allowed per guideline

434190735

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

XXX Updated value received, appraised value supported.

XXX Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  747 credit score is 27 points above the minimum required per guideline. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at the residence for 19 years

434270612

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 37.46% below guideline requirement 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6years time at current job

434270612

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

CMPTRID5215

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 37.46% below guideline requirement 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6years time at current job

434270612

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

09.28.21 Updated value received, appraised value supported.

09.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 37.46% below guideline requirement 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6years time at current job

434270613

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

XXX Updated value received, appraised value supported.

XXX Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  66.90% LTV is 13.10 points below the maximum allowed per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 13 years and 7 months on current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 12 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  18.51% DTI is 30.49 points below the maximum allowed per guideline

434190738

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

09.21.21 Updated value received, appraised value supported.

09.21.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75.00% LTV is 10 points below the maximum allowed per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  775 credit score is 55 points above the minimum required per guideline. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years and a month on current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years at current residence

434809222

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

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 0x30x99 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  XXX CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 21 points below guideline (Max DTI 49%) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $185,099.43 or 64.61 months of P&I; guidelines require 6 months P&I

434270614

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 > 10 points below guideline maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 38.02 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum

434270615

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:  Mortgage payment history is 0x30x26 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  721 credit score is 61 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years and 7 months on current job

434270616

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:  754 credit score is 94 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years and 8 months on current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $280,278.23 or 33.58 months of P&IRequired P&I Reserves are $8,344.69 x 12 months = $100,136.28

434270616

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 Coverage Effective Date: XXXDisbursement Date: XXX

XXX - Lender provided a Post Close CD with a disbursement date after the effective date of the HOI.

XXX - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  754 credit score is 94 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years and 8 months on current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $280,278.23 or 33.58 months of P&IRequired P&I Reserves are $8,344.69 x 12 months = $100,136.28

434190740

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 70 points above guideline minimum

434270617

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

09.29.21 Updated value received, appraised value supported.

09.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  768 credit score is 68 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.51% LTV is 25.49 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $41,150.62  or 14.79 months of P&I.Required P&I Reserves are $2,781.92 x 6 months = $16,691.52

434270618

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

CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. 0 x 30 days late CFCFS1744: DTI below guideline requirement - Clayton Comments:  46.02 DTI below lender guideline <49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets from cash out are $49,987.50 or 23.03 months of P&I Required P&I Reserves are $2,170.15 x 12  months = $ 26,041.80

434270618

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

09.28.21 Updated value received, appraised value supported.

09.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history. 0 x 30 days late CFCFS1744: DTI below guideline requirement - Clayton Comments:  46.02 DTI below lender guideline <49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets from cash out are $49,987.50 or 23.03 months of P&I Required P&I Reserves are $2,170.15 x 12  months = $ 26,041.80

434567172

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 updated valuation

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x83 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 732, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $303,475.88 or 181.71 months of P&I reserves Required P&I Reserves are $1,670.10 X 12 months = $20,041.20 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 12 years at current job

434270619

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

09.29.21 Updated value received, appraised value supported.

09.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $181,139.62 or 32.01 months of P&IRequired P&I Reserves are $5,657.31 x 12 months = $67,887.72 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  771 credit scores is 51 points above the minimum required per guideline. CFCFS1737: LTV below guideline requirements - Clayton Comments:  71.88% LTV is 13.12 points below the maximum allowed per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 26 years and 4 months on current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.38% DTI is 15.62 points below the maximum allowed per guideline

434270620

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

09.28.21 Updated value received, appraised value supported.

09.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  739 credit score is 19 points above the minimum required per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.18% DTI is 10.82 points below the maximum allowed per guideline

434270621

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 69.91% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.61% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 734 exceed guideline requirement of 720 with 34 points.

434270621

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

09.28.21 Updated value received, appraised value supported.

09.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 69.91% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.61% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 734 exceed guideline requirement of 720 with 34 points.

434190741

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:  Reserves of 91.73 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434190741

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.

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 91.73 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434424659

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

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x23 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 6 points below guideline (Max DTI 49%) CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > above min guideline XXX

434424659

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 $20,870.38 or 7.38  months of P&I Required P&I Reserves are $2,826.52 x 12 months = $33,918.24  Insufficient cash reserves in the amount of $13,047.86.

11/4/21 - Lender provided a post close CD with updated values, allowing for sufficient reserves.

11/4/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x23 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 6 points below guideline (Max DTI 49%) CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > above min guideline XXX

434424659

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

10.27.21 Updated value received, appraised value supported.

10.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x23 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 6 points below guideline (Max DTI 49%) CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > above min guideline XXX

434809223

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:  14 years and 7 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  16 years at current residence.

434424660

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

B

B

B

B

CMPTRID5215

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

No

Missing Seller CD.

11.10.21 -- Seller provided post close CD containing seller fees in Section H.  Exception satisfied.

11.10.21 -- Exception satisfied.

Numeric

Not Applicable

(No Data)

434424660

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

Missing Seller CD.

11.10.21 -- Seller provided post close CD containing seller fees in Section H.  Exception satisfied.

11.10.21 -- Exception satisfied.

Not Applicable

Not Applicable

(No Data)

434424660

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

10.27.21 Updated value received, appraised value supported.

10.27.21 Exception Satisfied.

(No Data)

Not Applicable

(No Data)

434568207

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 updated valuation

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >10 at 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 03 points below guideline (Max DTI 49%) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$672,316.32 or XXX months of P&I Required P&I Reserves are $3,445.07  x 12  months = $41,340.84

434568208

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:  Representative credit score 736 is > 10 more than guideline requirement CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (44.44%) > 10 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $391,406.72 or 138.69 months of PITIA Required P&I Reserves are $2,822.17 x 3 number of months = $8,466.51

434270622

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

09.28.21 Updated value received, appraised value supported.

09.28.21 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 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434270623

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.

09.28.21 Updated value received, appraised value supported.

09.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 58.60 months P&I exceeds guideline minimum of 12 months.

434190743

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:  75.00% LTV is 10 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  813 credit score is 93 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 10 years.

434190743

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

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75.00% LTV is 10 points below the maximum allowed per guideline. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  813 credit score is 93 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 10 years.

434917465

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

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 XXX department and TRID 2.0 revisions. Exception satisfied. Final Grade B.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 52.69% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 725 exceed guideline requirement of 700 with 25 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $66,160.50 or 42.64  months of P&I reserves.Required P&I reserves are $1,551.44  x 6 = $9,308.64

434917465

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 52.69% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 725 exceed guideline requirement of 700 with 25 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $66,160.50 or 42.64  months of P&I reserves.Required P&I reserves are $1,551.44  x 6 = $9,308.64

434270624

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

09.29.21 Updated value received, appraised value supported.

09.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  XXX credit score is XXX above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  74.98% LTV is 10.02 points below the maximum allowed per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 8 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 5 years and 6 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.21% DTI is 17.79 points below the maximum allowed per guideline

434917466

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >10 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 03 points below guideline (Max DTI 43%) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $45,313.69 or 17.17 months of PITIA

434270625

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

09.28.21 Updated value received, appraised value supported.

09.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  743 credit score is 23 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  70.00% LTV is 15 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $91,996.53 or 28.94 months of P&IRequired P&I Reserves are $2,386.58 x 12 months = $28,638.96

434809224

XXXXXX

UT

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

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Income verification has 22 months which is less than the required 24 months.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 34.91 which is below the required 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $21,854.65 or 20.80 months of P&I reserves.Required P&I Reserves are $1,050.77 x 3 = $3,152.31.

434809224

XXXXXX

UT

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 to support original appraised value.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 34.91 which is below the required 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $21,854.65 or 20.80 months of P&I reserves.Required P&I Reserves are $1,050.77 x 3 = $3,152.31.

434270626

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 > 25 points below guideline maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 35.44 months P&I exceeds guideline minimum of 12 months.

434270626

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.

09.28.21 Updated value received, appraised value supported.

09.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 25 points below guideline maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 35.44 months P&I exceeds guideline minimum of 12 months.

434809225

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 10081008 shows $26,466.00, Lenders Calculations support $29,465.60

12/8/21 - Lender provided an updated 1003 and 1008 reflecting the correct monthly income.

11/8/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  702 credit score is 22 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  28.62% LTV is 36.38 points below the maximum allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 9 years and 1 month at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 16 years and 9 months on current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $180,364.83  or 21.76 months of P&I Required P&I Reserves are $8,288.14 x 6  months = $49,728.84

434424663

XXXXXX

IL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

County High Cost

Satisfied

B

A

B

A

CMPCHC5380

ILCK High-Cost Loan by exceeding points and fees threshold

No

XXX High Cost for XXX County. Adjusted charges of XXX or XXX exceeds max allowed of XXX or XXX by XXX.

12.2.21 -- Lender provided PCCD with evidence of refund. Exception satisfied.

12.2.21 -- Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  No derogatory credit reported. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Borrower's Post Close Assets are XXX or XXX of P&I reserves. Required P&I Reserves are XXX x XXX = XXX.

434424663

XXXXXX

IL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

State Consumer Protection

Satisfied

D

A

D

A

CMPSTCP2057

Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file

No

Missing required XXX Cert of Compliance or Cert of Exemption.

12/6/21 - Lender provided a copy of the missing Certificate of Compliance.

12/6/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  No derogatory credit reported. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Borrower's Post Close Assets are XXX or XXX of P&I reserves. Required P&I Reserves are XXX x XXX = XXX.

434424663

XXXXXX

IL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

10.28.21 Updated value received, appraised value supported.

10.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  No derogatory credit reported. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Borrower's Post Close Assets are XXX or XXX of P&I reserves. Required P&I Reserves are XXX x XXX = XXX.

434917467

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 800, minimum guideline score 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 74.51%, maximum allowed 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0X30X99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $56,381.81 or 74.54 months of PITIA reserves Required PITIA Reserves are $756.37 X 3 months = $2,269.11

434270627

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 > 30 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 45.61 months P&I exceeds guideline minimum of 6 months

434424664

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

10.27.21 Updated value received, appraised value supported.

10.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% below maximum of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 42.63% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 719 exceed guideline requirement of 700 with 19 points.

434567175

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Income/Employment

Satisfied

B

A

B

A

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Missing pre-closing 10 day verbal VOE as required per guideline, however, post close verbal VOE in file dated XXX Note dated XXX.

12/6/21 - Lender provided a VVOE dated XXX, re-verified XXX.

12/6/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been with employer in this profession the past: 5 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$293,894.95 or 132.83 months of P&I; required $2,212.53 x 6  months = $13,275.18 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x91

434567175

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

N/A

A

N/A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been with employer in this profession the past: 5 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$293,894.95 or 132.83 months of P&I; required $2,212.53 x 6  months = $13,275.18 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x91

434567176

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

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

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% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  21 years and 8 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  16 years at current residence.

434424665

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:  Borrower LTV 60%, maximum allowed 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 41.93%, maximum allowed 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 755, minimum guideline score 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $240,739.85 or 195.45 months of P&I reserves Required P&I Reserves are $1,231.73 X 3 months = $3,695.19

434424665

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

10.28.21 Updated value received, appraised value supported.

10.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 60%, maximum allowed 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 41.93%, maximum allowed 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 755, minimum guideline score 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $240,739.85 or 195.45 months of P&I reserves Required P&I Reserves are $1,231.73 X 3 months = $3,695.19

434567178

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 updated valuation

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (60%) > 10 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 58.46 months reserves exceeds 6 months P&I requirement per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 748

434709365

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

C

A

D

A

B

B

D

B

C

A

D

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. 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 B.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $86,820.79 or 12.08 months P&IRequired reserves are 6 months P&I at $7,185.38x6= $43,112.28 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 80%

434709365

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

C

A

D

A

B

B

D

B

C

A

D

A

B

B

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI effective date is XXX; Consummation CD disbursement date is XXX.

11.22.21 - Lender provided PCCD showing disbursement date as XXX

11.22.21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $86,820.79 or 12.08 months P&IRequired reserves are 6 months P&I at $7,185.38x6= $43,112.28 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 80%

434709365

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

C

A

D

A

B

B

D

B

C

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in subject residence for 12 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $86,820.79 or 12.08 months P&IRequired reserves are 6 months P&I at $7,185.38x6= $43,112.28 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 80%

434567179

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

D

A

B

B

D

B

D

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

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 CD dated XXX has Will not have an escrow but no reason is marked. This is corrected on the Post CD dated XXX.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 10.91 months P&I exceeds guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 765

434567179

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

D

A

B

B

D

B

D

A

D

A

B

B

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form.

11/11/21 - Lender provided a copy of the Conditional Loan Approval

11/11/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 10.91 months P&I exceeds guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 765

434567179

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

D

A

B

B

D

B

D

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 10.91 months P&I exceeds guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 765

434709366

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 to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x24 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $38,765.55 or 8.74 months of P&I reserves.Required P&I Reserves are $4,434.60 x 12 = $53,215.20.

434709367

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

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x35 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 credit score is 54 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 8 months on current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $83,204.18 or 44.79 months of P&IRequired P&I Reserves are $1,857.33  x 12  months = $22,287.96

434709367

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x35 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 credit score is 54 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 8 months on current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $83,204.18 or 44.79 months of P&IRequired P&I Reserves are $1,857.33  x 12  months = $22,287.96

434424667

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.

10.28.21 Updated value received, appraised value supported.

10.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $37,606.41 or 13.14 months of P&I reserves.Required P&I Reserves are $2,862.00 x 12 = $34,344.00. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  8 years and 8 months at current job.

434709368

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

The dates on the ROR were changed with the borrower initially and acknowledging the change on the ROR form. The new transaction date is XXX vs XXX and the new expiration date of the ROR end period is XXX vs XXX. The disbursement date is XXX which is the same date of the end period for the ROR. Loan closed/disbursed on the same day as the 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.

11/19/21 - Lender provided a Post Close CD reflecting a disbursement date of XXX, after the expiration of the ROR.

11/19/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 67.86 months P&I exceeds guideline minimum of 6 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 37.67%, maximum allowed is49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 39.88% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 781

434709368

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 67.86 months P&I exceeds guideline minimum of 6 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 37.67%, maximum allowed is49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 39.88% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 781

434568210

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 to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x66 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (37.92%) > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 790 is > 10 more than guideline requirement of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 77.83 months reserves exceeds 6 months P&I requirement per guideline

434568211

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

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $138,799.78 or 32.92  months of P&I reserves.Required P&I reserves are $4,215.26   x  12 = $50,583.12 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x23 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 34.37% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.36% below maximum of 49%

434567181

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $25,212.32 or 22 months of P&I CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x31

434568212

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 to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x26 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% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 772 is > 20 more than guideline requirement

434424668

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.

10.29.21 Updated value received, appraised value supported.

10.29.21 Exception Satisfied.

(No Data)

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 > 80 points above guideline minimum

434424669

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.

10.28.21 Updated value received, appraised value supported.

10.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 705 > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 29.71 months reserves exceeds 6 months P&I requirement per guideline

434567182

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 to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (60%) > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 722 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 37.49 months reserves exceeds 6 months P&I requirement per guideline

434567183

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4056

TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount

No

Final CD dated XXX has a Total of Payments of XXX and XXX calculated Value is XXX. Corrected on PCCD. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 33.22% which is below the requirement of 49%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $94,579.63 or 19,91 months of P&I reserves.Required P&I Reserves are $4,749.39 x 12 = $56,992.68.

434567183

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 33.22% which is below the requirement of 49%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $94,579.63 or 19,91 months of P&I reserves.Required P&I Reserves are $4,749.39 x 12 = $56,992.68.

434568213

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 > 10 points below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >10 at 700 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30x34 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $107,066.31 or 21.61 months of PITI Required P&I Reserves are $ 4,953.63 x 3 months = $14,860.89

434567184

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

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 21 points below guideline (Max DTI 49%) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $159,502.63 or 70.86 months of P&I

434424670

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

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 B.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  8years time in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 785 exceeds guidelines 720

434424670

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 CDA

10.29.21 Updated value received, appraised value supported.

10.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  8years time in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 785 exceeds guidelines 720

434709369

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $73,735.88 or 32.46months of P&IP&I Reserve Requirement - $2,271.25x 12 = $ 27,255.00 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.66% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70%  below guideline requirements 85% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 8years time in profession

434424671

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.

10.28.21 Updated value received, appraised value supported.

10.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 767 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 35.14%, maximum allowed is 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX

434568215

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

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.

11/19/21 - Lender provided a copy of the missing Seller CD.

11/19/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $32,367.66 or 26.95  months of P&I reserves.Required P&I reserves are $1,200.78   x  12 = $14,409.36 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.98% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 774 exceed guideline requirement of 720 with 54 points.

434568215

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $32,367.66 or 26.95  months of P&I reserves.Required P&I reserves are $1,200.78   x  12 = $14,409.36 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.98% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 774 exceed guideline requirement of 720 with 54 points.

434917468

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

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. 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:  775 credit score is 55 points below the maximum allowed per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.26% DTI is 15.74 below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $122,258.11  or 22.32 months of P&I Required P&I Reserves are $5,478.15  x 12 months = $65,737.78

434917468

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  775 credit score is 55 points below the maximum allowed per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.26% DTI is 15.74 below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $122,258.11  or 22.32 months of P&I Required P&I Reserves are $5,478.15  x 12 months = $65,737.78

434568216

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 updated valuation

11.11.21 Updated value received, appraised value supported.

11.11.21 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:  Median FICO exceed guideline minimum  >10 at 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $64,168.94 or 26.23 months of P&I Required P&I Reserves are $2,446.28 x 12  months = $29,355.36 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 3.7 points below guideline (Max DTI 49%)

434424673

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

FSBO 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 XXX department and TRID 2.0 revisions. Exception satisfied. Final Grade B.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  9 years and 3 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  11 years at current residence.

434424673

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 to support original appraised value.

10.29.21 Updated value received, appraised value supported.

10.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  9 years and 3 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  11 years at current residence.

434809226

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 33.22 months PITIA exceeds guideline minimum of 3 months.

434568217

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 to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (36.40%) > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (62%) > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 778 is > 20 more than guideline requirement

434567189

XXXXXX

IL

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.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 37.67%, maximum allowed is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 30.62 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median  score > 40 points above guideline minimum

434424674

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's representative score is 802 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 39.40% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 75% max allowed is 85%

434567190

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

Missing updated valuation to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  7 years at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 39.41% which is below the requirement of 49%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $22,903.77 or 16.34 months of P&I reserves.Required P&I Reserves are $1,402.03 x 12 = $16,824.36. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 718, minimum allowed for Purchase 75% LTV is 660

434424675

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

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 B.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%, maximum allowed 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 39.39%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 729, minimum guideline score 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $518, 683.02 or 165.31 months of P&I reserves Required P&I Reserves are $3,137.60 X 12 months = $37, 651.20

434424675

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

10.29.21 Updated value received, appraised value supported.

10.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%, maximum allowed 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 39.39%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 729, minimum guideline score 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $518, 683.02 or 165.31 months of P&I reserves Required P&I Reserves are $3,137.60 X 12 months = $37, 651.20

434709370

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 to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  30 years and 9 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  21 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 50%

434709371

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 29.03% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.98% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Borrower's representative score is 766

434709372

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:  Borrower's DTI is 9.81% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 106.65 months P&I exceeds guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 748

434424677

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

10.29.21 Updated value received, appraised value supported.

10.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has spent 6 years in current residence. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has spent 11 years in line of profession.

434709373

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 updated valuation to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 767 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $427,013.82 or 167.25 months of P&I Required P&I Reserves are $2,553.11 x 12 number of months = $30,637.32

434424678

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 XXX 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:  Post Close Assets are $$44,933.69  or 28.10 months of P&I Required P&I Reserves are $1,598.81 x 12 months = $19,185.72 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%

434424678

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 is XXX; disbursement date is XXX

11/9/21 - Lender provided a post close CD with a disbursement date of XXX, after the effective date of the HOI.

11/9/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$44,933.69  or 28.10 months of P&I Required P&I Reserves are $1,598.81 x 12 months = $19,185.72 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%

434424678

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

10.29.21 Updated value received, appraised value supported.

10.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$44,933.69  or 28.10 months of P&I Required P&I Reserves are $1,598.81 x 12 months = $19,185.72 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%

434709374

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.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 25.60 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 60 points above guideline minimum

434568218

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 to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (55.19%) > 10 points below guideline maximum of 75% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (33.96%) > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 731 is > 20 more than guideline requirement

434567191

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 updated valuation to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 731 is > 10 more than guideline requirement 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (33.96%) > 10 points below guideline maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 124.40 months reserves exceeds 6 months P&I requirement per guideline CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x51

434709375

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 742 exceeds guidelines by 42 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are $489,939.31 required guidelines are $12,567.93

434424679

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 10years time in profession CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6years time at current job

434424679

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 CDA

10.29.21 Updated value received, appraised value supported.

10.29.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10years time in profession CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6years time at current job

434568219

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:  LTV of 80% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.73% below maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $21,872.92 or 12.58   months of P&I reserves.Required P&I reserves are $1,738.15  x  12 = $20,857.80

434568219

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 to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 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 40.73% below maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $21,872.92 or 12.58   months of P&I reserves.Required P&I reserves are $1,738.15  x  12 = $20,857.80

434567192

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 to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has XXX reserves exceeds XXX P&I requirement per guideline

434809227

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 updated valuation

12.03.21 Updated value received, appraised value supported.

12.03.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 15 points below guideline (Max DTI 49%) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$270,790.05 or 44.08 months of P&I

434709376

XXXXXX

GA

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 780, minimum guideline score 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 41.01%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $83,953.25 or 65.31 months of P&I reserves Required P&I Reserves are $1,285.44 X 12 months = $15,425.28 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years and 6 months at current job

434567194

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 updated valuation

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 53.39%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 743, minimum guideline score 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years and 7 months at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 35.98%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $25,988.85 or 9.00 months of P&I reserves Required P&I Reserves are $2,887.26 X 6 months = $17,323.56

434568220

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

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 785 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30x40 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $88,794.34 or 19.10 months of P&I Required P&I Reserves are $4,649.18 x 6 = $27,895.08

434567195

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

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 B.

(No Data)

(No Data)

Numeric

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 38.40% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 817 exceed guideline requirement of 700 with 117 points.

434567195

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.10.21 Updated value received, appraised value supported.

11.10.21 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 38.40% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 817 exceed guideline requirement of 700 with 117 points.

434568221

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 to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 43.99% which is below the required DTI 49%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $75,185.54 or 22.88 months of P&I reserves.Required P&I Reserves are $3,286.66 x 12 = $39,439.92.

434709377

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

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

Not all Seller Paid Fee's reflected on Final Cd; 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 XXX department and TRID

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.68% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 727 exceed guideline requirement of 700 with 27 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85%

434709377

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.68% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 727 exceed guideline requirement of 700 with 27 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85%

434568222

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 74.90%, maximum allowed 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $82,649.89 or 31.47 months of PITIA reserves Required PITIA Reserves are $2,626.35 X 3 months = $7,879.05 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 787, minimum guideline score 700

434709378

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:  788 credit score is 88 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 10 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $95,306.44 or 49.65 months of PITIARequired PITIA Reserves are $1,919.75 x 3 months = $5,759.25

434568223

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV >30 points below guideline maximum CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers has spent 3 years and 11 months in current residence. CFCFS2854: Significant time in profession - Clayton Comments:  B1 spent 3 years 2 months in current profession

434567196

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

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has spent 4 years in current residence. CFCFS2854: Significant time in profession - Clayton Comments:  B2 has spent 6 years in current profession.

434567196

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 to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has spent 4 years in current residence. CFCFS2854: Significant time in profession - Clayton Comments:  B2 has spent 6 years in current profession.

434568224

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$195,527.19 or 39.95 months of P&I

434709379

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 to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (30.12%) > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 796 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $30,357.10 or 15.65 months of P&I Required P&I Reserves are $1939.73 x 6= $11,638.38

434567198

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

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.70% DTI is 10.30 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $134,748.04 or 40.41 months of P&I Required P&I Reserves are $3,334.69  x 12 months = $40,016.28 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  779 credit score is 59 points above the minimum required per guideline

434567199

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 to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.06% below guideline requirement 45% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% below guideline requirements 85%

434709380

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 0x30x38 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $25,876.99 or 6.56 months of PITIA reserves Required PITIA Reserves are $3,942.60 X 3 months = $11,827.80 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 729, minimum guideline score 700 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 12 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 80%, maximum allowed 75%

434568225

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 updated valuation to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage 0x30x34 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 44.47%, maximum allowed 49% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years and 6 months at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 12 years at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $146,815.48 or 52.88 months of P&I reserves Required P&I Reserves are $2,776.15 X 12 months = $33,313.80

434567200

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

Missing updated valuation

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 35.08%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 755, minimum guideline score 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower  has 15 years at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $23,000.17 or 17.83 months of P&I reserves Required P&I Reserves are $1,290.15 X 12 months = $15,481.80

434567201

XXXXXX

PA

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

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  > 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 15 points below guideline (Max DTI 49%) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $43,859.02 or 25.28 months of P&I

434567202

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 to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  BORROWER HAS 6YEARS TIME IN PROFESSION CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 42.54% below guideline requirement 49%

434424680

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

11/9/21 - Lender provided a Post Close CD reflecting a disbursement date after the effective date of the HOI.

11/9/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 786 exceed guideline requirement of 720 with 86 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.70% below maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are   $78,017.30 or 19.04   months of P&I reserves.Required P&I reserves are $4,096.94   x   12 = $49,163.28

434424680

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

10.28.21 Updated value received, appraised value supported.

10.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 786 exceed guideline requirement of 720 with 86 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.70% below maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are   $78,017.30 or 19.04   months of P&I reserves.Required P&I reserves are $4,096.94   x   12 = $49,163.28

434709381

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70% below guideline requirements 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 762 exceeds guidelines 700

434568226

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 to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 38.33% which is below the required 49% CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence

434709382

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.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 28.65 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434809228

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 third party valuation

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 40.93% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 80% below guideline requirements 85%

434709383

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's LTV is 60%, maximum allowed with 690 score is 75%  LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 690, minimum allowed is 660

434709384

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 third party valuation

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 13years time in profession CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11years time at current job CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 73.39% below guideline requirements 85%

434424681

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.

10.28.21 Updated value received, appraised value supported.

10.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 16.10 months reserves exceeds 12 months P&I requirement per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 745 is > 20 more than guideline requirement

434568227

XXXXXX

CA

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

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5215

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

No

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 spent 10 years in line of profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 75% is lower than the lender's requirement of 85%.

434568227

XXXXXX

CA

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.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has spent 10 years in line of profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 75% is lower than the lender's requirement of 85%.

434709385

XXXXXX

PA

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 to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $17,732.68 or 37.37 months of P&I reserves.Required P&I Reserves are $474.46 x 12 = $5,693.52. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years and 4 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  5 years and 4 months at current residence.

434568228

XXXXXX

NV

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

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $24,653.67 or 16.14 months of P&I reserves.  Required P&I Reserves are $1,527.96 X 12 months = $18,335.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 762, minimum guideline score 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years at current job

434568229

XXXXXX

TX

(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 15 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x84 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $257,106.91 or 107.24 months of PITIA reserves Required PITIA Reserves are $2,397.50 X 3 months = $7,192.50

434709386

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 74.97% below maximum of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.43% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 713 exceed guideline requirement of 700 with 13 points.

434567203

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

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 808, minimum allowed is 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 40.90% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $53,988.75 or 29.37 months of P&I

434917469

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$41,356.52 or 11.50 months of PITIA CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for the past:16 years

434567204

XXXXXX

PA

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.64% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below  79.96% guideline requirements 85%

434567204

XXXXXX

PA

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 to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.64% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below  79.96% guideline requirements 85%

434567206

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 12 points below guideline (Max DTI 49%) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$214,645.03 or 157.50 months of P&I

434917470

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. Application date after 10/2018 and Seller CD is required to be in the file.

12/17/21 - Lender provided a copy of the missing seller CD.

12/17/21 - 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 708 exceed guideline requirement of 700 with 08 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.71% below maximum of 49%

434917470

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

12.07.21 Updated value received, appraised value supported.

12.07.21 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 708 exceed guideline requirement of 700 with 08 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.71% below maximum of 49%

434809229

XXXXXX

CA

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

HOI Coverage Effective Date: XXXDisbursement Date: XXX

12/7/21 - Lender provided a Post Close CD with a disbursement date of XXX, after the start date of the HOI.

12/7/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  804 credit score was 84 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 CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.34% DTI is 19.66 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $335,460.21 or 91.98 months of P&I Required P&I Reserves are $3,647.00  x 12 months = $43,764.00

434809229

XXXXXX

CA

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

12.03.21 Updated value received, appraised value supported.

12.03.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  804 credit score was 84 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 CFCFS1744: DTI below guideline requirement - Clayton Comments:  29.34% DTI is 19.66 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $335,460.21 or 91.98 months of P&I Required P&I Reserves are $3,647.00  x 12 months = $43,764.00

434568231

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 updated valuation to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 798 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has  23.25 months reserves exceeds 6 months P&I requirement per guideline

434917471

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 to support original appraised value.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  7 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 16.35% which is below the requirement of 75%.

434709387

XXXXXX

PA

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 to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

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% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  10 years and 1 month at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  14 years at current residence.

434568232

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:  Borrower's post close Assets are $75,594.31 or 14.31  months of P&I reserves.Required P&I reserves are $5,279.36  x   12 = $63,352.32 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 740 exceed guideline requirement of 700 with 40 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 44.87% below maximum of 49%

434917472

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 is before end of statutory rescission period. Disbursement date is XXX per XXX Final CD. Right of Rescission date is XXX.

12.16.21 - lender provided PCCD showing disbursement date as XXX

12.16.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.11% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 59.89% below guideline requirements 85% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 7years time in profession

434917472

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.11% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 59.89% below guideline requirements 85% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 7years time in profession

434709388

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:  760 credit score is 60 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $17,831.04 or 11.15 months of PITIARequired PITIA  Reserves are $1,599.46 x 3 months = $4,798.38 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower's representative sore is 760

434709389

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 43.38% Maximum allowed is49%% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 61.37% below guideline requirements 85% CFCFS2854: Significant time in profession

434709390

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 to support original appraised value.

11.17.21 Updated value received, appraised value supported.

11.17.21 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:  10 years at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 42.47% which is below the required 49%.

434709391

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

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 B.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 664, minimum allowed is 660 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI si 27.90%, maximum allowed is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $11,649.98 or 14.48 months of P&I

434709391

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 664, minimum allowed is 660 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI si 27.90%, maximum allowed is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $11,649.98 or 14.48 months of P&I

434709392

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 60%, maximum allowed 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $166,182.93 or 90.57 months of PITIA reserves Required PITIA Reserves are $1,834.95 X 3 months = $5,504.85

434568233

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

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 of XXX; disbursement date per file XXX.  Borrower did receive full mandatory rescission period prior to disbursement of funds.

11/15/21 - Lender provided a Post Close CD with a disbursement date of XXX, after the effective date of the HOI.

11/15/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 762, minimum allowed for 55% LTV is 660 CFCFS1737: LTV below guideline requirements - Clayton Comments:  57.76% LTV is 7.24 points below the maximum allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 23 years at current residence CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has 18 years and 9 months on current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 30.35% DTI maximum allowed is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $178,355.99  or 38.94 months of P&I Required P&I Reserves are $4,580.11 x 6 months = $27,480.66

434568233

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 762, minimum allowed for 55% LTV is 660 CFCFS1737: LTV below guideline requirements - Clayton Comments:  57.76% LTV is 7.24 points below the maximum allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 23 years at current residence CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has 18 years and 9 months on current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 30.35% DTI maximum allowed is 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $178,355.99  or 38.94 months of P&I Required P&I Reserves are $4,580.11 x 6 months = $27,480.66

434568234

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 payment history is 0x30x29 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  800 credit score is > 10 points above the minimum required per guideline 700 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 40 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  43.14% LTV is 31.86 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $64,160.90 or 24.12 months of PITIA Required PITIA Reserves are $2,660.00 x 3 months = $7,890.00

434809230

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  11 years and 9 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  11 years at current residence.

434709393

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 18.11 months PITIA exceeds guideline minimum of 9 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 10 points above guideline minimum at 700.

434809231

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.

12.03.21 Updated value received, appraised value supported.

12.03.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 178.02 months P&I exceeds guideline minimum of 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 65%

434809232

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:  6 years and 4 months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $23,014.26 or 10.81 months of PITIA reserves.Required PITIA Reserves are $2,129.77 x 3 = $6,389.31.

434709394

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >10 at 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $213,404.08 or 140.41 months of P&I Required P&I Reserves are $1,519.79 x 3 months = $4,559.37

434709395

XXXXXX

AZ

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

HOI Effective Date: XXXPCCD Disbursement Date: XXX

11/19/21 - Lender provided an updated copy of the HOI reflecting a start date of XXX.

11/19/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (20.83%) > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 694 is > 20 more than guideline requirement

434709395

XXXXXX

AZ

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 to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (20.83%) > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 694 is > 20 more than guideline requirement

434567208

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 updated valuation.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 160.53 months P&I exceeds guideline minimum of 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434809233

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

12.03.21 Updated value received, appraised value supported.

12.03.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 credit score is 97 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 40 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 16 years and 10 months on current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  27.18 is 21.82 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $178,097.23 or 29.24 months of P&I.Required P&I Reserves are $6,089.58  x 12  months = $73,074.96 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x99

434709396

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:  Median FICO exceed guideline minimum  >10 at 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$61,709.28 or 12.21 months of P&I; required reserves are $60,621 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 10 points below guideline (Max DTI 49%)

434709396

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >10 at 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$61,709.28 or 12.21 months of P&I; required reserves are $60,621 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 10 points below guideline (Max DTI 49%)

434709397

XXXXXX

MD

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Compliance

State High Cost

Satisfied

C

A

C

A

CMPSTHC873

MD High-Cost Loan by exceeding point and fee threshold,

No

Maryland High Cost Loan; Loan amount of $XXX with 4.0% max allowed charges or $10,016.79.  Actual charges are 4.869% or $7841.48 which exceeds the tolerance by .869% or $2175.31.

(No Data)

(No Data)

(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 42.27% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 786 exceed guideline requirement of 720 with 66 points.

434709397

XXXXXX

MD

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

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)

(No Data)

Numeric

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 42.27% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 786 exceed guideline requirement of 720 with 66 points.

434709397

XXXXXX

MD

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.19.21 Updated value received, appraised value supported.

11.19.21 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 42.27% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 786 exceed guideline requirement of 720 with 66 points.

434709398

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:  LTV of 80% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 43.98% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 769

434709398

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

11.18.21 Updated value received, appraised value supported.

11.18.21 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 43.98% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 769

434709399

XXXXXX

FL

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Missing signed letter from borrower acknowledging the Appraised Value and Purchase Price

12/6/21 - Lender provided acknowledgement borrower is ware the appraised value is less that the purchase price.

12/6/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%, maximum allowed 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $35,931.31 or 10.91 months of PITIA reserves Required PITIA Reserves are $3,292.13 X 3 months = $9,876.39 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 734, minimum guideline score 700

434567209

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:  Representative score is 741 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is42.48% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $39,174.94 or 12.35 months of P&I

434809234

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

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 16 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x24 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  16 years XXX CFCFS2860: Good credit history - Clayton Comments:  0x30 on all accounts

434567210

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

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $49,648.12 or 12.81 months of P&I reserves.Required P&I Reserves are $3,876.49 x 12 = $46,517.88. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 34.51% which is below the requirement of 49%.

434567210

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 to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $49,648.12 or 12.81 months of P&I reserves.Required P&I Reserves are $3,876.49 x 12 = $46,517.88. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 34.51% which is below the requirement of 49%.

434709400

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

N/A

A

N/A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.19.21 Updated value received, appraised value supported.

11.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $10,864.44 or 8.33 months of PITIA reserves.Required PITIA Reserves are $1,303.92 x 3 = $3,911.76 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 736

434709401

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  754 credit score is 34 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  31.71% LTV is 53.29 points below the maximum allowed per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 5 months on current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $179,705.87  or 31.27 months of P&IRequired P&I Reserves are $5,747.26 x 6 months = $34,483.56

434709402

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:  Representative credit score 772 is > 10 more than guideline requirement 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  AssetsPost Close Assets are $45,676.20 or 17.33 months of P&I Required P&I Reserves are $2634.76 x 12 number of months = $31,617.12

434709402

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 to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 772 is > 10 more than guideline requirement 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  AssetsPost Close Assets are $45,676.20 or 17.33 months of P&I Required P&I Reserves are $2634.76 x 12 number of months = $31,617.12

434709403

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

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 B.

(No Data)

(No Data)

Numeric

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 41.49% below maximum of 49%Compliance to address. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 788 exceed guideline requirement of 700 with 88 points.

434709403

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.18.21 Updated value received, appraised value supported.

11.18.21 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 41.49% below maximum of 49%Compliance to address. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 788 exceed guideline requirement of 700 with 88 points.

434567211

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

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x41 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 38.86%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 742, minimum guideline score 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 15 years at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $147,300.96 or 28.99 months of P&I reserves Required P&I Reserves are $5,080.40 X 12 months = $60,964.80

434567211

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 to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x41 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 38.86%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 742, minimum guideline score 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 15 years at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $147,300.96 or 28.99 months of P&I reserves Required P&I Reserves are $5,080.40 X 12 months = $60,964.80

434709405

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 63.03% below maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $175,810.51 or 111.21 months of P&I reserves.Required P&I reserves are $1,580.86   X 6  = $ 9,485.16 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 741 exceed guideline requirement of 700 with 41 points.

434709406

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >10 at 700 CFCFS2860: Good credit history - Clayton Comments:  Credit line usage ratio:3.25%

434917475

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.

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 36.29% which is below the required 49%. CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at current residence.

434709407

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:  757 credit score is 57 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 10 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $49,700.92  or 26.39 months of PITIARequired PITIA Reserves are $1,883.58 x 3 months = $5,650.74

434568235

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; Real Estate Broker fees for Buyer's Agent and Seller's Agent not listed on the Borrower's CD.

11/17/21 - Lender provided a copy of the Seller CD

11/17/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 811, minimum guideline score 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 41.71%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $141,847.20 or 47.35 months of P&I reserves Required P&I Reserves are $2,995.71 X 12 months = $35,948.52

434568236

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

File missing flood certificate document

11/19/21 - Lender provided a copy of the Flood Certification showing the property to be outside of a Flood Zone.

11/19/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 776, maximum allowed 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years and 6 months at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 40.53%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $110,819.77 or 25.43 months of P&I reserves Required P&I Reserves are $2,473.53 X 12 months = $29,682.36

434568236

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

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 776, maximum allowed 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years and 6 months at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 40.53%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $110,819.77 or 25.43 months of P&I reserves Required P&I Reserves are $2,473.53 X 12 months = $29,682.36

434709408

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  754 credit score is 54 points above the minimum required per guideline. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 10 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $38,157.98 or 26.95 months of PITIARequired PITIA Reserves are $1,415.65 x 3  months = $4,246.95

434917476

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:  6 years and 9 months on the job. CFCFS1736: Significant time at current residence - Clayton Comments:  9 years at current residence.

434809235

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

Missing updated valuation

12.07.21 Updated value received, appraised value supported.

12.07.21 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:  48.12% LTV is 36.88 points below the maximum allowed per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 2 months on current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  25.49% DTI is 24.51 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $32,205.44  or 24.73 months of P&I Required P&I  Reserves are $1,302.08 x 3 months = $3,906.24

434709409

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:  760 credit score is 60 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 10 points below the maximum allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $239,576.54 or 73.22 months of PITIARequired PITIA Reserves are $3,272.20 x 3 months = $9,816.60

434917477

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

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 XXXRight to cancel reflects date to cancel of XXX.Loan closed/disbursed on the same date of XXX which is also the end of the 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.

12/10/21 - Lender provided a Post Close CD reflecting a disbursement date of XXX, beyond the ROR date of XXX.

12/10/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years and 6 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  40 years at current residence.

434917477

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years and 6 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  40 years at current residence.

434709411

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.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 204.86 months P&I exceeds guideline minimum of 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 10 points above guideline minimum 700

434568237

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 5 years and 3 months at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 15 years at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $385,951.95 or 35.21 months of P&I reserves Required P&I Reserves are $10,961.46 X 12 months = $131,537.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 737, minimum guideline score 660

434917478

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 39.41% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.35% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 719 exceed guideline requirement of 700 with 19 points

434567212

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4056

TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount

No

Corrected on PCCD. Exception satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  5 years and 8 months at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  6 years and 5 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  6 years and 5 months at current residence.

434567212

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  5 years and 8 months at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  6 years and 5 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  6 years and 5 months at current residence.

434568239

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

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years and 8 months at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 73.50%, maximum allowed 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x47 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 39.19%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $179,326.47 or 64.55 months of P&I reserves Required P&I Reserves are $2,777.90 X 12 months = $33,334.80

434809236

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 70%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 719, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $25,603.38 or 9.79 months of PITIA reserves Required PITIA Reserves are $2,614.69 X 3 months = $7,844.07

434917479

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 768, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $86,999.73 or 78.19 months of PITIA reserves Required PITIA Reserves are $1,112.73 X 3 months = $7,939.50 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x48

434709412

XXXXXX

CA

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

Final CD Disbursement Date:XXXHOI Effective Date:XXX

11/19/21 - Lender provided a copy of the HOI from the prior year running XXX to XXX.

11/19/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 42.86% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.00% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 716 exceed guideline requirement of 700 with 16 points.

434709412

XXXXXX

CA

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 42.86% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.00% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 716 exceed guideline requirement of 700 with 16 points.

434709413

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 to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $96,398.74 or 27.36 months of P&I reserves.Required P&I Reserves are $3,522.29 x 12 = $42,627.48.

434568240

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 to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has spent 6 years in current profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV of 65.28% is 19.72 points lower than lender's requirement of 85%.

434709414

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 737 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 11 years at current job

434568241

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

PRVAAPPR100

Missing Appraisal

No

Missing Appraisal.

11/19/21 - Lender provided a copy of the missing appraisal.

11/19/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434709416

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 to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 718 is > 20 more than guideline requirement CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (57.49%) > 10 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 29.76 months reserves exceeds 6 months P&I requirement per guideline

434709417

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.23% below guideline allow 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 27.47% below guideline allow 85% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10years time in profession

434709418

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 updated valuation.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x42 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 10 points above guideline minimum at 660

434567213

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

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 credit score is 63 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 15 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  39.02% DTI is 9.98 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $293,855.28  or 74.48  months of P&I.Required P&I Reserves are $3,945.68 x 12 months = $47,348.16

434709419

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID4056

TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount

No

Final CD dated XXX shows a Total of Payments of $XXX and ECLAS calculated Total is $XXX for a difference of $140.00 outside of $100.00 tolerance.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  759 credit score is 39 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 6 months on current job

434709419

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  759 credit score is 39 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 6 months on current job

434809238

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:  Verified cash reserves exceed guidelines 30.42 months and required 3 months PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 30 points below guideline requirements.

434709420

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

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 XXX is not signed and there is no evidence in file of when it was delivered to borrower.  Product not disclosed at least three day prior to closing date of XXX.

12/8/21 - Lender provided a copy of the XXX tracking, this has the evidence the borrower consented to the e-delivery of documentation, and proof the CD was delivered on XXX to the borrower.

12/8/21 - 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 of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 35.46% which is below 49% required DTI.

434709420

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

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 is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD.

12/8/21 - Lender provided a copy of the XXX tracking, this has the evidence the borrower consented to the e-delivery of documentation, and proof the CD was delivered on XXX to the borrower.

12/8/21 - 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 of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 35.46% which is below 49% required DTI.

434709420

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 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 of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 35.46% which is below 49% required DTI.

434709421

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 51.95%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 805, minimum guideline score 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $208,342.14 or 112.47 months of P&I reserves Required P&I Reserves are $1,852.46 X 6 months = $11,114.76 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 14 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 15 years at current job

434809239

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% below maximum of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.37% below maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $51,113.24  or 15.63  months of P&I reserves.Required P&I reserves are $3,219.24  x  12 = $38,630.88

434567214

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (35.57%) > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 749 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  AssetsPost Close Assets are $76,579.14 or 23.29 months of P&I Required P&I Reserves are $3,286.66 x12 months = $39,439.92

434567214

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 to support original appraised value.

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI (35.57%) > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 749 is > 20 more than guideline requirement CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  AssetsPost Close Assets are $76,579.14 or 23.29 months of P&I Required P&I Reserves are $3,286.66 x12 months = $39,439.92

434917480

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

12.16.21 - Lender provided PCCD showing disbursement date as XXX

12.16.21 - exception satisfied

Not Applicable

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 9months at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 779 exceeds guidelines.

434917480

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

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 9months at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 779 exceeds guidelines.

434568242

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

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  12 years and 2 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence.

434568242

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 to support original appraised value.

11.11.21 Updated value received, appraised value supported.

11.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  12 years and 2 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence.

434709424

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

CFCFS1736: Significant time at current residence - Clayton Comments:  30 years at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 42.04% which is blow the requirement of 49%.

434709424

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 to support original appraised value.

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  30 years at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 42.04% which is blow the requirement of 49%.

434917481

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.

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years and 7 months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $116,962.74 or 25.46 months of P&I reserves.Required P&I Reserves are $4,593.16 x 12 = $55,117.92.

434709425

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

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  7 years and 4 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence.

434709425

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

11.19.21 Updated value received, appraised value supported.

11.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  7 years and 4 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence.

434809241

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:  No derogatory credit reported CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 69.44% which is below the required 75%.

434809242

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

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, please provide.

12/8/21 - Lender provided a copy of the missing Seller CD.

12/8/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  748 credit score is 28 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 3 months aon current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  39.82% DTI is 9.18 points below the maximum allowed per guideline

434809242

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  748 credit score is 28 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 3 months aon current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  39.82% DTI is 9.18 points below the maximum allowed per guideline

434709426

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.40% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 742 exceed guideline requirement of 700 with 42 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% below maximum of 85%

434709426

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

11.19.21 Updated value received, appraised value supported.

11.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.40% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 742 exceed guideline requirement of 700 with 42 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% below maximum of 85%

434917482

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 61.34%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 775, minimum guideline score 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower mortgage payment 0x30x51 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $17,297.32 or 7.39 months of PITIA reserves Required PITIA Reserves are $2,341.55 X 3 months = $7,024.65

434809243

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 36.97% which is less than the required 49%.

434809243

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 to support original appraised value.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 36.97% which is less than the required 49%.

434709428

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 thereis no material issue. This exception is informational per Clayton Compliance department and TRID

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  719 credit score is 19 points above the minimum required per guideline

434709428

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

11.19.21 Updated value received, appraised value supported.

11.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  719 credit score is 19 points above the minimum required per guideline

434709429

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:  LTV 75% below guideline requirements 85% CFCFS2854: Significant time in profession - Clayton Comments:  10 years in profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 45.64% below guideline requirement 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer for the past 5 years

434709429

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

11.19.21 Updated value received, appraised value supported.

11.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% below guideline requirements 85% CFCFS2854: Significant time in profession - Clayton Comments:  10 years in profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 45.64% below guideline requirement 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower with current employer for the past 5 years

434809244

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.

12.03.21 Updated value received, appraised value supported.

12.03.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 92.30 months P&I exceeds guideline minimum of 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 60 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum.

434917483

XXXXXX

NC

(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 payment history is 0x30x21 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines 96 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements by 10 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines 39.49 months.

434917484

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:  Credit score exceeds guidelines 85 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements by 24.83 points.

434917485

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 is XXX, ROR rescission period is XXX. Issue Post close CD, proof of delivery, and XXX to all entitled to rescind to  re-open rescission (2 for each recipient). Within 60 days of discovery.

12/13/21 - Lender provided a copy of a Post Close CD reflecting a disbursement date of XXX, after the effective date of the HOI.

12/13/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $678,525.80  or 194.14 months of P&I. 12 months required $ 41,940. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 735 is 35 points above the 700 guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements by 27 points.

434917485

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 to support original appraised value.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $678,525.80  or 194.14 months of P&I. 12 months required $ 41,940. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 735 is 35 points above the 700 guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements by 27 points.

434917486

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:  Post Close Assets are $102,137.23 or 31.32 months of PITI Required PITI $3261.22 Reserves are 9 months = $29,350.98 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines by 96 points.

434709430

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

Title

Satisfied

D

A

D

A

CRDTIL796

Missing Title

No

Missing Title Documents only Escrow instructions in file.

11/19/21  -Lender provided a copy of the missing preliminary title policy.

11/19/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  778 credit scores is 58 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 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $52,348.15 or 15.68 months of P&IRequired P&I Reserves are $3,337.88  x 6 months = $20,027.28

434709430

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  778 credit scores is 58 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 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $52,348.15 or 15.68 months of P&IRequired P&I Reserves are $3,337.88  x 6 months = $20,027.28

434809245

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 to support original appraised value.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 37.97% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 812 exceed guideline requirement of 700 with 112 points CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.89% below maximum of 49%

434917487

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 to support original appraised value.

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >10 CFCFS2860: Good credit history - Clayton Comments:  credit line usage ratio:0.00% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 15 points below guideline (Max DTI 49%) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $54,794.57 or 30.03 months of P&I

434917488

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

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 42.44%  which is below the required 49%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $75,132.59 or 30.74 months of P&I reserves.Required P&I Reserves are $2,444.37 x 12 = $29,332.44.

434917488

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 to support original appraised value.

12.14.21 Updated value received, appraised value supported.

12.14.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 42.44%  which is below the required 49%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $75,132.59 or 30.74 months of P&I reserves.Required P&I Reserves are $2,444.37 x 12 = $29,332.44.

434709431

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

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines 26.71 months and required 6 months PI. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement 21.29 and 27.71 points below guidelines.

434917489

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 26.92% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 69.06% below guideline requirements 85% CFCFS1736: Significant time at current residence - Clayton Comments:  18years time at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are $167,962.98 or 88.41 months P&I; guidelines require 12 months P&I

434809247

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  32.11% DTI is 16.89 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $45,853.07 or 23.06 months of P&IRequired P&I Reserves are $1,274.32  x 6 months = $7,645.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  770 credit score is 50 points above the minimum required per guideline

434917491

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:  Post Close Assets are $22,467.57 or 11.98 months of PITIAPITIA Reserve Requirement - $1,959.53x 3= $ 5,878.59 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 741 exceeds guidelines 700 CFCFS2860: Good credit history - Clayton Comments:  0x30 credit history

434709433

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

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; please provide Seller's CD.

11/19/21 - Lender provided a copy of the Seller's CD.

11/19/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 38.35, max allowed is 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 741 minimum allowed is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $ 99,483.59  or 26.17 months of P&I Required P&I  Reserves are $3,800.24 x 12  months = $ 45,602.88

434709433

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

11.18.21 Updated value received, appraised value supported.

11.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 38.35, max allowed is 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 741 minimum allowed is 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $ 99,483.59  or 26.17 months of P&I Required P&I  Reserves are $3,800.24 x 12  months = $ 45,602.88

434809248

XXXXXX

CA

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

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5215

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 40.12% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70% below guideline requirements 85% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 5years time in profession

434809248

XXXXXX

CA

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 to support original appraised value.

12.03.21 Updated value received, appraised value supported.

12.03.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 40.12% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70% below guideline requirements 85% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 5years time in profession

434567215

XXXXXX

CA

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

Federal Consumer Protection

Satisfied

B

A

B

A

CMPFDCP847

TILA - ARM Loan Program Disclosure after 3 days from application

No

Compliance to address

11/11/21 - Upon further review, the date the ARM Disclosure per the body of the disclosure was issued XXX within 3 days of the application.

11/11/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $50,467.16 or 21.40  months of P&I reserves.Required P&I reserves are $2,357.85   x   12 = $28,294.20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 730 exceed guideline requirement of 700 with 30 points.

434567215

XXXXXX

CA

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

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

11/11/21 - Lender provided an updated HOI declaration reflecting an effective date of XXX

11/11/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $50,467.16 or 21.40  months of P&I reserves.Required P&I reserves are $2,357.85   x   12 = $28,294.20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 730 exceed guideline requirement of 700 with 30 points.

434567215

XXXXXX

CA

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

11.10.21 Updated value received, appraised value supported.

11.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% below maximum of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $50,467.16 or 21.40  months of P&I reserves.Required P&I reserves are $2,357.85   x   12 = $28,294.20 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 730 exceed guideline requirement of 700 with 30 points.

434809249

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 23 points below guideline (Max DTI 49%) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$81,568.03 or 21.09 months of P&I; guidelines require 12 months P&I

434809250

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

12.03.21 Updated value received, appraised value supported.

12.03.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 12 years and 10 months at current job CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 743, minimum guideline 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $52,327.68 or 14.38 months of P&I reserves Required P&I Reserves are $3,640.09 X 12 months = $43,681.08 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 20.38%, maximum allowed is 49%

434809251

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:  810 credit score is 90 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 28 years and 7 months on current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.44% DTI is 11.56 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $246760.46  or 59.76 months of P&IRequired P&I Reserves are $4,129.20 x 12 months = $49,550.40

434809251

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

12.03.21 Updated value received, appraised value supported.

12.03.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  810 credit score is 90 points above the minimum required per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 28 years and 7 months on current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  37.44% DTI is 11.56 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $246760.46  or 59.76 months of P&IRequired P&I Reserves are $4,129.20 x 12 months = $49,550.40

434917492

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 to support original appraised value.

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  12 years and 2 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  22 years and current residence.

434809252

XXXXXX

NV

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 774, minimum guideline score 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower mortgage payment 0x30x66 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $254,397.31 or 128.77 months of PITIA reserves Required PITIA Reserves are $1,975.63 X 3 months = $5,926.89

434809253

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 > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  799 credit score is 99 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 17 years and 6 months at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 28 years and 8 months on current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $147,027.90 or 16.37 months of P&I Required P&I Reserves are $7,456.17  x 12 months = $89,474.04 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is below the maximum allowed per guideline 85

434709434

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 123.94 months P&I exceeds guideline minimum of 12 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 10 points above guideline minimum 720

434809254

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

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

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years 3 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 42.28% which is below requirement of 49%.

434809254

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID4056

TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount

No

CD: XXX  Total of Payments is $2520874.73 and ECLAS calculated amount is $2521019.73 ($145 difference)XXX - Lender provided a Post Close CD with a total payment value of $XXX - eclas value of XXX ($2,045 difference), did not cure the exception.  Exception remains.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years 3 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 42.28% which is below requirement of 49%.

434809254

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

12.03.21 Updated value received, appraised value supported.

12.03.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years 3 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 42.28% which is below requirement of 49%.

434809255

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 758

434809255

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

12.07.21 Updated value received, appraised value supported.

12.07.21 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:  Borrower's representative score is 758

434809256

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 to support original appraised value.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  16 years and 2 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at current residence.

434917494

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:  14 years and 10 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  14 years and 10 months at current residence.

434917495

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 to support original appraised value.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  6years time at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI  39.47% below guideline requirement 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 765 exceeds guidelines 720

434917496

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:  Credit score  is 27 points above the 700 guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline by 21.72 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are XXX  or XXX months of PITI Required PITI Reserves are $3,418.08 x 3 months = $10,254.24

434917497

XXXXXX

IL

Non-QM: Lender documented all ATR UW factors

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.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  XXX at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 31.55% which is below the required 49%.

434809258

XXXXXX

WA

(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: XXXDisbursement Date: XXX

12/8/21 - Lender provided a post close CD reflecting a disbursement date of XXX

12/8/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 credit score is 74 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 10 points below the maximum allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  borrower has 10 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $53,699.57 or 22.02 months of PITIARequired PITIA Reserves are $2,438.83 x 3 months = $7,316.49

434917498

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

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 39.39% below maximum of 49% 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 791 exceed guideline requirement of 700 with 91 points.

434809259

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:  Median FICO exceed guideline minimum  >50 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $624,713.79 or 367.25 months of PITIA

434917499

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 32.18%, maximum allowed 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $239,001.80 or 87.55 months of PITIA reserves Required PITIA Reserves are $2,729.97 X 3 months = $8,189.91 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x99

434809260

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

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.

12/8/21 - Lender provided a copy of the missing Seller CD.

12/8/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 37.12% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% below guideline requirements 85% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 6years time in profession

434809260

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 37.12% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% below guideline requirements 85% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 6years time in profession

434917501

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.

12.08.21 Updated value received, appraised value supported.

12.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $120,322.02 or 25.46 months of P&I reserves.Required P&I Reserves are $4,725.33 x 12 = $56,703.96. CFCFS1736: Significant time at current residence - Clayton Comments:  5 Years at current residence.

434917502

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

12.09.21 Updated value received, appraised value supported.

12.09.21 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 731 exceed guideline requirement of 700 with 31 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.41% below maximum of 49%

434809261

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x22 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.7% below guideline requirement 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 757 exceeds guidelines 700 CFCFS2860: Good credit history - Clayton Comments:  0x30 Credit history

434809262

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

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.

12/7/21 - Lender provided a copy  of the missing seller CD.

12/7/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 07 points below guideline (Max DTI 49%) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $87,360.19 or 28.97 months of P&I

434809262

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 07 points below guideline (Max DTI 49%) CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $87,360.19 or 28.97 months of P&I

434809263

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 730, minimum guideline score 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $98,012.11 or 39.22 months of P&I reserves Required P&I Reserves are $2,498.87 X 12 months = $29,986.44 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years at current job

434917503

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 to support original appraised value.

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  7 years at current residence.

434809265

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum 700 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30x75 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$109,183.64 or 23.30 months of PITIA

434809266

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 third party valuation

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 38.03% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% below guideline requirements 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 784 exceeds guidelines 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $60,654.48 or 27.54 of P&IReserve Requirement - $2,202.14 X 12months= $ 26,425.68

434917505

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 below guideline requirement 9.77 points. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines 87 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements by 10 points.

434809267

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

12.07.21 Updated value received, appraised value supported.

12.07.21 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 789 exceed guideline requirement of 700 with 89 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $46,821.40 or 18.58 months of P&I reserves.Required P&I reserves are $2,520.47 x 12 = $30,245.64

434917506

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 49.32%, maximum allowed 70% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 805, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $65,828.09 or 10.32 months of PITIA reserves Required PITIA Reserves are $6,379.64 X 9 months = $57,416.76 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x55

434809268

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 updated valuation.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 21.04%, max. allowed is 49%

434917507

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50+ CFCFS2860: Good credit history - Clayton Comments:  credit line usage ratio: 12.72% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $55,550.33 or 18.63 months of PITIA CFCFS1753: Comp factors not applicable - missing document and/or compliance exception(s) - Clayton Comments:  Missing gift letter stated on 1003

434917508

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 776, minimum guideline score 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower mortgage payment XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $232,502.81 or 138.17 months of PITIA reserves Required PITIA Reserves are $1,682.72 X 3 months = $5,048.16

434917509

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 XXX months PITIA exceeds guideline minimum of XXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median  score > XXX points above guideline minimum

434809269

XXXXXX

GA

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

12.07.21 Updated value received, appraised value supported.

12.07.21 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 33.95% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 797 exceed guideline requirement of 700 with 97 points

434809270

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 > 10 points below guideline maximum of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $26,034.97 or 15.85 months of PITIA CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for the past: 10 years

434917510

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:  Verified cash reserves exceed guidelines 27.81 months of P&I. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 771

434809271

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.52% below maximum of 49% 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 $24,385.08 or 13.55 months of P&I reserves.Required P&I reserves are $1,799.31  x  12 = $21,591.72

434809272

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:  LTV of 80% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 724 exceed guideline requirement of 700 with 24 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $26,824.59 or 11.90 months of P&I reserves.Required P&I reserves are $2,253.32 x 12 = $27,039.84

434809272

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

12.07.21 Updated value received, appraised value supported.

12.07.21 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 724 exceed guideline requirement of 700 with 24 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $26,824.59 or 11.90 months of P&I reserves.Required P&I reserves are $2,253.32 x 12 = $27,039.84

434809273

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 updated valuation

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  793 credit score is 73 points below the maximum allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 13 years and 4 month on current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  16.24% DTI is 32.76 points below the maximum allowed per guideline

434809274

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 updated valuation

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 50%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 743, minimum guideline score 720 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower mortgage payment 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $707,657.70 or 296.81 months of P&I reserves Required P&I Reserves are $2,384.19 X 6 months = $14,305.14 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 20 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

434917512

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

12.08.21 Updated value received, appraised value supported.

12.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  7years time at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  8years time at current job CFCFS2854: Significant time in profession - Clayton Comments:  15years time in profession CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x45 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 724

434917514

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

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 37.32% below guideline requirement 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 19years time at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 780 exceeds guidelines 700

434917515

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 68.82%, maximum allowed 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 771, minimum guideline score 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $577,600.65 or 152.01 months of PITIA reserves Required PITIA Reserves are $3,799.85 X 3 months = $11,399.55

434809276

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

CMPTRID5215

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

No

Realtor Commission (S) reflected in Contact Section but not in section H of Borrower Final CD and Seller CD. Exception not valid since no fee listed for Realtor Commission (S) on Final Borrower CD and Seller CD.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $31,828.30 or 14.07 months of P&I reserves.Required P&I Reserves are $2,262.21 x 12 = $27,146.52.

434809276

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

CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $31,828.30 or 14.07 months of P&I reserves.Required P&I Reserves are $2,262.21 x 12 = $27,146.52.

434809276

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 to support original appraised value.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $31,828.30 or 14.07 months of P&I reserves.Required P&I Reserves are $2,262.21 x 12 = $27,146.52.

434917516

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

12.08.21 Updated value received, appraised value supported.

12.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  6 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $54,769.79 or 12.54 months of P&I reserves.Required P&I Reserves are $4,367.49 x 12 = $52,409.88.

434917517

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 791, minimum guideline score 700 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%, maximum allowed 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0x30x99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $458,010.58 or 261.72 months of PITIA reserves Required PITIA Reserves are $1,750.03 X 3 months = $5,250.09

434809277

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 37.93% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 801 exceed guideline requirement of 700 with 101 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $107,310.74 or 43.45 months of P&I reserves.Required P&I reserves are $2,469.75 x 6 = $14,818.50

434917519

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

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 50% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 791 exceed guideline requirement of 720 with 71 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $159,759.63  or 117.46  months of P&I reserves.Required P&I reserves are $1,360.04 x 6 = $8,160.24

434809278

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 to support original appraised value.

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  9 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $266,234.05 or 72.77 months of P&I reserves.Required P&I Reserves are $3,658.44 x 12 = $43,901.28.

434917520

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

12.08.21 Updated value received, appraised value supported.

12.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 50.05% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 42.41% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 735 exceed guideline requirement of 720 with 15 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x28 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's post close Assets are $58,259.03 or 13.32 months of P&I reserves.Required P&I reserves are $4,650.03 x 6 = $27,900.18

434809279

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.69% below guideline requirement 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 74.93% below guideline requirements 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 810 exceeds guidelines 720

434809280

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

12.07.21 Updated value received, appraised value supported.

12.07.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves or 27.76 months of P&I Required P&I Reserves are 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is 67 points above the 720 guidelines.

434917521

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

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 55.44% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.86% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 794 exceed guideline requirement of 700 with 94 points.

434917521

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

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55.44% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.86% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 794 exceed guideline requirement of 700 with 94 points.

434917522

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

Federal Consumer Protection

Satisfied

C

A

C

A

CMPFDCP2143

TILA - Prohibited Comp to Broker by both borrower and 3rd Party

No

Post CD dated XXX show discount points of 1.45% or $7308.00 paid by Borrower to Lender and a YSP of $8820.00 paid by Lender to Broker.  Upon further review, documentation in file satisfied the exception.

(No Data)

Exception satisfied by data points.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  8 years at current residence. CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence.

434917522

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

12.08.21 Updated value received, appraised value supported.

12.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  8 years at current residence. CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence.

434917523

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:  Borrower LTV 80%, maximum allowed 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 23.28%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit report 800, minimum guideline score 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $131,069.59 or 35.67 months of P&I reserves Required P&I Reserves are $3,674.74 X 12 months = $44,096.88

434917523

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

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 80%, maximum allowed 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 23.28%, maximum allowed 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit report 800, minimum guideline score 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $131,069.59 or 35.67 months of P&I reserves Required P&I Reserves are $3,674.74 X 12 months = $44,096.88

434917525

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

12.09.21 Updated value received, appraised value supported.

12.09.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines are 26.35 months of P&I .Required P&I  Reserves are 6 months = $ 20,292.24 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements by 17 points. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement by 23.36.

431842104

XXXXXX

NJ

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

Federal Consumer Protection

Satisfied

B

A

B

A

CMPFDCP3206

NMLS License verification found Loan Originator Name does not match ID

No

NMLS License verification found Loan Originator Name does not match ID: NMLS shows totally different name.

8/11/16 - Lender provided updated paged 3 of the Initial 1003 & Final 1003 with the LO's full name as it appears in the NMLS.  Still need corrected Note & Mortgage reflecting the correct Loan Officer.8/18/16 -Revised Note/Mortgage with correct LO provided.

8.11.15 - condition remains.8/18/16- Condition satisfied.

(No Data)

(No Data)

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% Guidelines allow 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 27.41 % Guidelines allow 43 % CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 715 Guidelines allow    680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $86,365.43 verified as 62.85  months PITIA. Guidelines require 3 months or ($$1,374.10  x 3 = $4112.30)+ Guidelines require 1 month additional PITIA from REO at XXX or $ 1084.83Additionally Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived

431842104

XXXXXX

NJ

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

CMPTRID3980

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

Numeric material error CD: XXX, CD: XXX, Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX Does not match LE: XXX, Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: XXX

8/10/16 - lender provided missing copy of LE dated XXX provided with correct figures

8/10/16 - Condition satisfied.

Non-Numeric

(No Data)

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% Guidelines allow 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 27.41 % Guidelines allow 43 % CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 715 Guidelines allow    680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $86,365.43 verified as 62.85  months PITIA. Guidelines require 3 months or ($$1,374.10  x 3 = $4112.30)+ Guidelines require 1 month additional PITIA from REO at XXX or $ 1084.83Additionally Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived

431842104

XXXXXX

NJ

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

CMPTRID3999

TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

Numeric material error CD: XXX, CD: XXX, Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX Does not match LE: XXX, Section: Calculating Cash To Close, Field: Estimated Cash to Close, Value: XXX

8/10/16 - lender provided missing copy of LE dated XXX provided with correct figures

8/10/16 - Condition satisfied.

Non-Numeric

(No Data)

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% Guidelines allow 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 27.41 % Guidelines allow 43 % CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 715 Guidelines allow    680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $86,365.43 verified as 62.85  months PITIA. Guidelines require 3 months or ($$1,374.10  x 3 = $4112.30)+ Guidelines require 1 month additional PITIA from REO at XXX or $ 1084.83Additionally Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived

431842104

XXXXXX

NJ

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

CMPTRID4003

TRID - CD: The value for Adjustments and Other Credits in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

Numeric material error CD: XXX, CD: XXX Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Loan Estimate, Value: XXX Does not match LE: XXX, Section: Calculating Cash To Close, Field: - Adjustments and Other Credits, Value: XXX

8/10/16 - lender provided missing copy of LE dated XXX provided with correct figures

8/10/16 - Condition satisfied.

Non-Numeric

(No Data)

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% Guidelines allow 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 27.41 % Guidelines allow 43 % CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 715 Guidelines allow    680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $86,365.43 verified as 62.85  months PITIA. Guidelines require 3 months or ($$1,374.10  x 3 = $4112.30)+ Guidelines require 1 month additional PITIA from REO at XXX or $ 1084.83Additionally Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived

433982344

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

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)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 40.87 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49%

433982344

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

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

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

07/27/2021  Client provided Initial CD XXX

07/27/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 40.87 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49%

433982344

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

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

07/27/2021  Client provided Initial CD XXX

07/27/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 40.87 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49%

433982344

XXXXXX

GA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

08.24.21 Updated value received, appraised value supported.

08.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 40.87 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49%

434709435

XXXXXX

CA

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

Application

Satisfied

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing XXX anti-fraud report

10.13.21 - Lender provided 3rd-party anti-fraud report

10.13.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.61 months P&I exceeds guideline minimum of 6 months.

434709435

XXXXXX

CA

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

Income/Employment

Satisfied

C

A

C

A

CRDINC2488

Verbal verification of employment missing

No

Verbal verification of employment missing, CTEC letter is over 30 days from funding.

10/21/21 - Lender provided an updated CPA letter dated within 30 days of closing.

10/21/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.61 months P&I exceeds guideline minimum of 6 months.

434709435

XXXXXX

CA

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.

11.08.21 Updated value received, appraised value supported.

11.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.61 months P&I exceeds guideline minimum of 6 months.

434270628

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

CRDAPP130

Application is incomplete

No

Missing signed letter acknowledging Purchase Price higher than Appraised value

8.26.21 - Lender provided acknowledgement letter

8.26.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 8.06 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum.

434270628

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing XXX guidelines showing program Investor Advantage, used XXX guidelines for approval.

8.26.21 - Lender provided XXX guidelines showing program

8.26.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 8.06 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum.

434270628

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form, Transmittal Summary (1008)

8.26.21 - Lender provided approval/1008

8.26.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 8.06 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum.

434190744

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

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 20.24 months P&I exceeds guideline minimum of 12 months. 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% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434190744

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

Income/Employment

Satisfied

D

A

D

A

CRDINC152

Missing verbal VOE required by guidelines

No

Missing verbal VOE required by guidelines.

9.8.21 - Lender provided VVOE

9.8.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 20.24 months P&I exceeds guideline minimum of 12 months. 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% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434190744

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

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)

9.8.21 - Lender provided loan approval/underwriting form, Transmittal Summary (1008)

9.8.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 20.24 months P&I exceeds guideline minimum of 12 months. 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% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434190744

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.

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 20.24 months P&I exceeds guideline minimum of 12 months. 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% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434190745

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5215

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

No

Provide Seller closing disclosure reflecting realtor commissions for Buyer and Seller paid at closing.

09/28/2021  Client provided Seller CD. The RE Broker company is the same for the borrower and seller.

09/28/2021  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.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434190745

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

B

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 from file.

09/28/2021  Client provided Initial CD XXX

09/28/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434190745

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

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

09/28/2021  Client provided Initial CD XXX

09/28/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434190745

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

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

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

09/28/2021  Client provided Initial CD XXXX.

09/28/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434190745

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero Tolerance Fee of $6340 due to Origination Fee of $5840 and Processing Fee of $500 increased from LE XXX to CD XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. There is only one LE and one CD (Final) in the file.

09/28/2021  Client provided Initial CD XXX. Clayton has reviewed, and a COC and possible revised LE is still required to show increase in fees.10/01/2021  Client provided COC and LE dated XXX. Clayton has reviewed the COC and it does not show the increases to the Origination and Processing Fees. 10/14/21 - Revised COC includes the amount of the fee increases as previously requested.

10/01/2021  Exception remains.10/14/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434190745

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID4579

TRID - CD: Missing Initial CD

No

Missing Initial CD.

09/28/2021  Client provided Initial CD XXX

09/28/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434190745

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

B

Credit

Application

Satisfied

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd-party anti-fraud report, XXX

9.28.21 - Lender provided 3rd-party anti-fraud report

9.28.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434190745

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

09.23.21 Updated value received, appraised value supported.

09.23.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434270629

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

C

A

D

A

D

A

D

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3590

TRID - At least one LE was delivered on or after the date that a CD was delivered

No

Initial CD and locked LE both issued XXX.Additional CD issued XXX, does not resolve the fact we have a XXX CD.  Exception remains.XXX - Same XXX CD submitted again, no change in exception status.

9/21/21 - Lender requests to disregard, exception remains.

09/28/2021  Exception remains.  12/2/2021 - Upon further review from Clayton Compliance, exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 70.48 months P&I exceeds guideline minimum of 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85%

434270629

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

C

A

D

A

D

A

D

A

C

A

Credit

Application

Satisfied

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd-party anti-fraud report, DataVerify

9/16/21 - Lender provided a XXX report for the 3rd party Fraud report exception.12/2/21 - Exception Satisfied. Lender provided tracking verifying 9/3 delivery of CD.

9/16/21 - Exception satisfied.\12/2/21 - Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 70.48 months P&I exceeds guideline minimum of 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85%

434270629

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

C

A

D

A

D

A

D

A

C

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 an updated HOI policy with a start date of XXX

9/17/21 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 70.48 months P&I exceeds guideline minimum of 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85%

434270629

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

C

A

D

A

D

A

D

A

C

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)

9/16/21 - Lender provided a copy of the Conditional Approval and 1008.

9/16/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 70.48 months P&I exceeds guideline minimum of 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85%

434270629

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

C

A

D

A

D

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

10.01.21 Updated value received, appraised value supported.

10.01.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 70.48 months P&I exceeds guideline minimum of 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85%

434424682

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

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing XXX anti-fraud report.

10/12/21 - Lender provided a XXX report as the anti-fraud report required.

10/12/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 121.58 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum

434424682

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form, Transmittal Summary (1008)

10/12/21 - Lender provided a copy of the Conditional Approval/1008.

12/12/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 121.58 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum

434567216

XXXXXX

TX

(No Data)

ATR/QM: Exempt

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Application

Satisfied

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd-party anti-fraud report.

10/26/21 - Lender provided a 3rd party anti-fraud report from XXX.

10/26/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 127.82 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum

434568243

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

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd-party anti-fraud report.

10/21/21 - Lender provided a XXX for the Anti-fraud exception.

10/21/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 63.92 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum.

434568243

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form, transmittal Summary (1008).

10/21/21 - Lender provided a copy of the 1008 reflecting an approval/conditional loan approval.

10/21/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 63.92 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum.

434567217

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

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd-party anti-fraud report.

10.28.21 - Lender provided 3rd-party anti-fraud report

10.28.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 13.25 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434567217

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form, Transmittal Summary (1008)

10.28.21 - Lender provided  loan approval/underwriting form, Transmittal Summary (1008)

10.28.21 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 13.25 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 40 points above guideline minimum

434568244

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

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd-party anti-fraud report.

10.28.21 - Lender provided 3rd-party anti-fraud report

10.28.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 34.72 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434568244

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form, Transmittal Summary (1008).

10.28.21 - Lender provided  loan approval/underwriting form, Transmittal Summary (1008).

10.28.21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 34.72 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434709436

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

B

A

D

A

A

A

D

A

B

A

D

A

A

A

Credit

Application

Satisfied

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd-party anti-fraud report.

11/3/21 - Lender provided a XXX 3rd party anti-fraud report.

11/3/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 33.5 months P&I exceeds guideline minimum of 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median  score >35 points above guideline minimum

434709436

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

B

A

D

A

A

A

D

A

B

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

11.08.21 Updated value received, appraised value supported.

11.08.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 33.5 months P&I exceeds guideline minimum of 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median  score >35 points above guideline minimum

434568245

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

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd-party anti-fraud report.

10/29/21 - Lender provided a copy of the missing XXX anti-fraud report.

10/29/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 8.89 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum

434568245

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form, Transmittal Summary (1008).

10/29/21 - Lender provided a copy of the Conditional Approval/1008.

10/29/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 8.89 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum

434568246

XXXXXX

TN

(No Data)

ATR/QM: Exempt

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Credit

Application

Satisfied

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd-party anti-fraud report.

10/26/21 - Lender provided a 3rd party anti-fraud report from XXX.

10/26/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 142.52 months PITIA exceeds guideline minimum of 3 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 746

434809281

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 11.07 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 786

434709437

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

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd-party anti-fraud report.

11/8/21 - Lender provided the 3rd party anti-fraud report from XXX.

11/8/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.36 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434709437

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form.

11/8/21 - Lender provided a copy of the missing Conditional Approval and 1008.

11/8/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.36 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434709438

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

B

A

B

A

CRDAPP2658

Missing 3rd-party anti-fraud report

No

Missing 3rd-party anti-fraud report.

11/8/21 - Lender provided a copy of the missing 3rd party anti-fraud report from XXX.

11/8/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 71.21 months PITIA exceeds guideline minimum of 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

434709438

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form, Transmittal Summary (1008).

11/8/21- Lender provided a copy of the missing Conditional Loan approval and the 1008.

11/8/21 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 71.21 months PITIA exceeds guideline minimum of 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4261

TRID - CD: The Loan Amount value in the  LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number or is zero

No

Numeric material error CD XXX and CD XXX Calculating Cash to Close: Loan Estimate: Loan Amount value $XXX, does not match LE XXX Calculating Cash to Close: Loan amount value $XXX

12/19/17 - Lender provided corrected CD with correct matching figures to the LE.

12/19/17 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4262

TRID - CD: The Total Closing Costs (J) value in the  LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number

No

Numeric material error: CD XXX Calculating Cash to Close: Loan Estimate: Total Closing Costs (J) value of $XXX is a positive number

12/19/17 - Lender provided corrected CD with correct amounts brought to closing.

12/19/17 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4285

TRID - CD: The value for Loan Amount in the LE column of the CD's Calculating Cash to Close table (Alt Version) is different from the value disclosed on the last LE or a prior CD

No

Numeric material error CD XXX and CD XXX Calculating Cash to Close: Loan Estimate: Loan Amount value $XXX, does not match LE XXX Calculating Cash to Close: Loan amount value $XXX

12/19/17 - Lender provided corrected Post Close CD with correct figures.

12/19/17 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4299

TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

Numeric material error CD XXX and CD XXX Calculating Cash to Close: Loan Estimate: Total Closing Costs (J) value $XXX, does not match LE XXX Calculating Cash to Close: Total Closing Costs (J) value $XXX

12/19/17 - Lender provided corrected CD with correct matching figures.

12/19/17 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4309

TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

Numeric material error CD XXX and CD XXX Calculating Cash to Close: Loan Estimate: Total Closing Costs (J) value $XXX, does not match LE XXX Calculating Cash to Close: Total Closing Costs (J) value $XXX

12/19/17 - Lender provided corrected Post Close CD with correct matching figures.

12/19/17 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4312

TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD

No

Numeric material error CD XXX and CD XXX Calculating Cash to Close: Loan Estimate: Total Payoffs and Payments (K) value $0, does not match LE XXX Calculating Cash to Close: Estimated Total Payoffs and Payments value -$260,000

12/19/17 - Lender provided corrected Post Close CD with correct matching figures.

12/19/17 - Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3662

TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance

No

Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance

12/19/17 - Post close CD provided to correct APR issue.

Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID4050

TRID - CD: The Minimum Interest on the AIR Table of the Final Closing Disclosure does not match the Minimum Interest Rate on the Note

No

CD: XXX AIR Table Minimum Interest Rate CD Value: 7.125%, eCLAS Value: 4.125%

12/19/17 - Lender provided corrected Note and CD with corresponding minimum rates.

12/19/17 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID4075

TRID - CD: The Minimum Payment as disclosed in third column on the Projected Payments section of the Final Closing Disclosure which does not match Clayton's calculated minimum payment for the third column as based on the Note terms

No

CD XXX Projected Payments: Minimum Payments CD Value from Band 3: $XXX, eCLAS Value from Band 3: XXX Due to no minimum rate on Note and ARM Rider States not less thank Margin

12/19/17 - Lender provided corrected Note and CD with correct matching rates rates.

12/19/17 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID4076

TRID - CD: The Minimum Payment as disclosed in fourth column on the Projected Payments section of the Final Closing Disclosure which does not match Clayton's calculated minimum payment for the fourth column as based on the Note terms

No

CD XXX: Projected Payments: Minimum Payments CD Value from Band 4: $XXX, eCLAS Value from Band 4: $XXX Due to no minimum rate on Note and ARM Rider States not less thank Margin

12/19/17 - Lender provided corrected Note and CD with correct matching rates.

12/19/17 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID4083

TRID - CD: The Total Minimum Payment as disclosed in third column on the Projected Payments section of the Final Closing Disclosure which does not match Clayton's calculated total minimum payment for the third column as based on the Note terms

No

CD: XXX, Section: Projected Payments, Field: Estimated Total Period Min Payments, CD Value from Band 3: XXX, eCLAS Value from Band 3: XXX Due to no minimum rate on Note and ARM Rider States not less thank Margin

12/19/17 - Lender provided corrected Note and CD with correct matching rates.

12/19/17 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID4084

TRID - CD: The Total Minimum Payment as disclosed in fourth column on the Projected Payments section of the Final Closing Disclosure which does not match Clayton's calculated total minimum payment for the fourth column as based on the Note terms

No

CD: XXX Section: Projected Payments, Field: Estimated Total Period Min Payments, CD Value from Band 4: XXX, eCLAS Value from Band 4:XXX Due to no minimum rate on Note and ARM Rider States not less thank Margin

12/19/17 - Lender provided corrected Note and CD with correct matching rates.

12/19/17 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431841905

XXXXXX

MA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

Property Valuations

Appraisal

Satisfied

C

A

C

A

PRVAAPPR119

Appraisal documentation does not support occupancy

No

Property is Vacant per appraiser

11/30/17 - Lender provided evidence borrower will be occupying subject having just undergone renovation.

11/30/17 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves verified in the amount of $8,929.25 which is 4.08 months of PITI. Only requires 3 months [$2,188.36 x 3= $6,565.08]. Reserves for financed properties with a recent 12 month paid-as-agreed history may be waived. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  All borrowers must have a minimum credit score of 620. Borrower has credit score of 761. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Borrower has been employed by current job for 5 years.

431842052

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $28,508.45 or 20.64 months in PITIA reserves guidelines require 3 months in P&I CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.06% is below guideline requirements of 50%

Client Name:
Client Project Name:	CSMC 2022-NQM1
Start - End Dates:	8/6/2016 - 12/13/2021
Deal Loan Count:	566
Conditions Report 2.0
Loans in Report:	566
Loans with Conditions:	482

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

434067533

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

433982251

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067534

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190662

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Not Applicable

434067535

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

434424641

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809216

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809217

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

434917461

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434709351

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568198

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809218

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809219

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917462

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917463

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434568199

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568200

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809220

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433807766

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828284

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828285

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270606

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433828288

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733603

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434568201

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

434190664

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434424642

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

434424643

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709352

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433621367

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733626

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888110

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433828290

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433733649

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067538

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828292

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190666

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Yes

433982254

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433733711

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982255

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828293

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190667

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067539

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828294

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733731

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433733732

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433807840

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982256

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433828296

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995496

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433828297

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828298

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828300

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433828301

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828303

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190669

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982259

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433828304

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995498

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828306

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828307

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433828308

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

Not Applicable

433982260

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995499

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

434190670

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

433828312

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828313

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433828314

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828316

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828317

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

433888135

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828318

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828319

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828321

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828322

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433995500

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828324

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828325

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434190671

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190672

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828328

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067541

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828329

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433982263

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067542

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982264

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828330

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828331

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709354

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067543

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982266

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

434424644

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434190673

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828333

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888148

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433807899

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709355

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828335

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828336

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

433982268

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828337

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982269

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888151

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982270

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982271

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433982272

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828339

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433828340

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828342

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Yes

433828343

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434190674

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982273

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433828345

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888164

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982274

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190676

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995502

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828346

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982275

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433828348

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982276

Yes

XXXXXX

XXXXXX

C

B

A

A

C

A

B

B

C

B

A

A

C

B

B

B

Not Applicable

433982277

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982278

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433828349

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982279

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888172

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433982280

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982281

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982282

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982284

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433982285

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434424645

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982287

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433982291

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982292

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982293

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982294

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982295

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982296

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982297

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433888197

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982300

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

433982301

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982302

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

433982303

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982304

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434190677

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995504

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190678

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

434190679

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982307

Yes

XXXXXX

XXXXXX

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Not Applicable

433888214

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982310

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982311

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982312

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982313

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

433982314

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190680

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995505

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190681

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982316

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982317

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982318

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567166

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Not Applicable

433982320

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995506

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982321

Yes

XXXXXX

XXXXXX

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Not Applicable

433995507

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709358

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Not Applicable

433982323

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433982324

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982325

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982326

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982327

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995508

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982328

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434067547

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995510

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982329

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982330

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433982331

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

433982332

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433982333

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709360

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434424646

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995513

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

433995514

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434424647

Yes

XXXXXX

XXXXXX

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Not Applicable

433982337

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995515

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434067549

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982339

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190684

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190685

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190686

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190687

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982340

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

433995518

Yes

XXXXXX

XXXXXX

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

Not Applicable

433995519

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982341

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982342

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067551

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995520

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

434067552

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433995521

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190688

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

434067553

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

434190689

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

434424648

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067554

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190690

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067555

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567167

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190691

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

434190692

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434067556

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190693

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190696

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270607

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

433982343

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434424649

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434424650

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

434067559

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190698

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067560

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568202

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434067562

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

434568203

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434067564

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067566

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190701

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434067567

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190703

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Not Applicable

434067568

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270608

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190705

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434067570

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190706

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

434709362

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434270609

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190707

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190709

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190710

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190712

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190713

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190714

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434190715

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434067571

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190716

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568204

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

434190717

Yes

XXXXXX

XXXXXX

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Not Applicable

434190718

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568205

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434190720

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

434067572

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917464

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270610

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434424652

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190721

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190722

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434190723

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190724

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190725

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568206

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Not Applicable

434190727

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190728

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809221

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Not Applicable

434567169

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434190729

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434424653

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190730

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434424654

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190731

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270611

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190732

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

434190733

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190735

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270612

Yes

XXXXXX

XXXXXX

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

Not Applicable

434270613

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190738

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809222

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434270614

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270615

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270616

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434190740

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270617

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270618

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567172

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434270619

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270620

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270621

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190741

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434424659

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434809223

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434424660

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Not Applicable

434568207

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568208

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270622

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270623

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434190743

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917465

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

434270624

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917466

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270625

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809224

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable

434270626

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809225

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434424663

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

434917467

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434270627

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434424664

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567175

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Not Applicable

434567176

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434424665

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567178

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709365

Yes

XXXXXX

XXXXXX

D

B

C

A

D

A

B

B

D

B

C

A

D

A

B

B

No

434567179

Yes

XXXXXX

XXXXXX

D

B

D

A

D

A

B

B

D

B

D

A

D

A

B

B

Not Applicable

434709366

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709367

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434424667

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709368

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Not Applicable

434568210

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568211

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567181

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568212

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

434424668

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434424669

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567182

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567183

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Not Applicable

434568213

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567184

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434424670

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

434709369

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434424671

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

434568215

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Not Applicable

434917468

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568216

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434424673

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

434809226

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568217

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567189

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434424674

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567190

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434424675

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

434709370

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709371

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709372

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434424677

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709373

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

434424678

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434709374

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568218

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567191

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

434709375

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

434424679

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568219

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567192

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809227

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709376

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567194

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568220

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567195

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Not Applicable

434568221

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709377

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568222

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709378

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568223

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

434567196

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568224

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709379

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567198

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567199

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709380

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568225

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567200

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567201

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567202

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434424680

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434709381

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

434568226

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709382

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809228

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709383

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709384

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434424681

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568227

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Not Applicable

434709385

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568228

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568229

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709386

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567203

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917469

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567204

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567206

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917470

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

434809229

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Not Applicable

434568231

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917471

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709387

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568232

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917472

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

434709388

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709389

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709390

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709391

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Not Applicable

434709392

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568233

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Not Applicable

434568234

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809230

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709393

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809231

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809232

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709394

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709395

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Not Applicable

434567208

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809233

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709396

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709397

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Not Applicable

434709398

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709399

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434567209

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809234

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567210

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709400

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709401

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709402

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

434709403

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Not Applicable

434567211

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709405

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709406

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917475

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709407

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434568235

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

434568236

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable

434709408

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917476

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809235

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709409

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917477

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Not Applicable

434709411

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568237

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917478

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434567212

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Not Applicable

434568239

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809236

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917479

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709412

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Not Applicable

434709413

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568240

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709414

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434568241

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709416

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709417

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709418

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567213

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709419

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Not Applicable

434809238

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709420

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Not Applicable

434709421

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809239

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434567214

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

434917480

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434568242

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709424

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917481

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709425

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809241

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809242

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Not Applicable

434709426

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917482

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809243

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709428

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709429

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809244

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917483

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

434917484

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917485

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

434917486

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

434709430

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable

434809245

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917487

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917488

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434709431

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

434917489

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809247

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917491

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709433

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

No

434809248

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

B

A

D

A

A

A

D

A

B

A

Not Applicable

434567215

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

B

A

D

A

C

A

D

A

B

A

Not Applicable

434809249

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809250

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809251

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917492

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809252

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809253

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709434

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809254

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Not Applicable

434809255

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809256

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917494

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917495

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917496

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

434917497

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809258

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

434917498

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809259

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917499

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809260

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Not Applicable

434917501

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917502

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809261

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809262

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Not Applicable

434809263

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917503

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809265

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809266

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917505

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809267

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917506

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809268

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917507

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917508

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917509

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809269

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809270

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917510

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809271

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809272

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809273

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809274

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917512

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917514

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917515

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809276

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917516

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917517

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809277

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917519

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809278

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434917520

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434809279

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

434809280

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917521

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917522

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Not Applicable

434917523

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434917525

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

431842104

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

(No Data)

433982344

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Not Applicable

434709435

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Not Applicable

434270628

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434190744

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable

434190745

Yes

XXXXXX

XXXXXX

D

B

B

A

D

A

D

B

D

B

B

A

D

A

D

B

Not Applicable

434270629

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

C

A

D

A

D

A

D

A

C

A

Not Applicable

434424682

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434567216

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Not Applicable

434568243

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434567217

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434568244

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434709436

Yes

XXXXXX

XXXXXX

D

A

B

A

D

A

A

A

D

A

B

A

D

A

A

A

Not Applicable

434568245

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434568246

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Not Applicable

434809281

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

434709437

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

434709438

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

431841905

Yes

XXXXXX

XXXXXX

C

B

A

A

C

A

C

B

C

B

A

A

C

A

C

B

(No Data)

431842052

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)