CSMC 2022-NQM4 Trust ABS-15G

Exhibit 99.18

Client Name:
Client Project Name:		CSMC 2022-NQM4
Start - End Dates:		1/20/2022 - 4/26/2022
Deal Loan Count:		650
Conditions Report 2.0
Loans in Report:		650
Loans with Conditions:		151
12 - Total Active Conditions
	12 - Non-Material Conditions
			4 - Credit Review Scope
				2 - Category: Credit/Mtg History
				2 - Category: DTI
			8 - Compliance Review Scope
				1 - Category: Federal Consumer Protection
				4 - Category: RESPA
				1 - Category: State Prepayment Penalty
				1 - Category: TILA
				1 - Category: TILA/RESPA Integrated Disclosure
196 - Total Satisfied Conditions
			127 - Credit Review Scope
				10 - Category: Application
				7 - Category: Assets
				7 - Category: Credit/Mtg History
				2 - Category: DTI
				3 - Category: Income/Employment
				27 - Category: Insurance
				26 - Category: Legal Documents
				2 - Category: LTV/CLTV
				1 - Category: Potential Misrepresentation
				1 - Category: Re-Verifications
				22 - Category: Terms/Guidelines
				19 - Category: Title
			18 - Property Valuations Review Scope
				12 - Category: Appraisal
				1 - Category: FEMA
				3 - Category: Property
				1 - Category: Re-Verifications
				1 - Category: Value
			51 - Compliance Review Scope
				4 - Category: Compliance Manual
				9 - Category: Documentation
				2 - Category: RESPA
				1 - Category: Right of Rescission
				2 - Category: Texas Home Equity
				33 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions

 




©2022 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-NQM4
Start - End Dates:	1/20/2022 - 4/26/2022
Deal Loan Count:	650
Conditions Report 2.0
Loans in Report:	650
Loans with Conditions:	151

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

436331337

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

Property Valuations

Value

Satisfied

C

A

C

B

PRVAVALU5249

Property Value Not Supported

No

Appraised value $XXX, XXX provided with a valuation of $XXX this exceeds the 10% allowable tolerance allowed.  XXX in file with a 999 score (no score) which also does not support appraised value.  Provide a valuation to support original appraised value.

3.8.2022- Client provided same XXX and XXX, exception remains3.14.2022- Client provided full second appraisal dated XXX value $XXX and within 10% tolerance. Exception is satisfied.3.14.2022- XXX Response- review of second appraisal verifies value is now within 10% tolerance. Exception is satisfied.

3.14.2022- Exception Satisfied

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 705 Credit score exceeds guidelines of 680 by 25 points. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers 0 x 30 the previous 2 years in which they owned a property. CFCFS2860: Good credit history - Clayton Comments:  Borrower's consumer credit history is 0 x 30 last 37 months and exceeds the 0 x13 months.

436331338

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Insurance Effective date XXX is greater than the transaction date XXX Provide proof of insurance coverage

3.8.22- Client Response- provided HOI coverage dated XXX-XXX3.8.22-Clayton Response- Coverage expires 2 days after funding of new loan. Provided document expires 2.2022 Upon further review, HUD-1 reflects 1 full year of coverage paid at closing; exception is now satisfied.

3.8.22- Exception Satisfied

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $85,677.45 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 717 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 56.41

436331340

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has $253,433.47 over 6 months reserves in PITI CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 719 exceeds guidelines 680. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No derogatory mortgage history past 24 months

436331341

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $254,253.47 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 717 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 51.646%

436331342

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $14,859.61 exceed guidelines require 0 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 801 exceeds guidelines score of 680. CFCFS2860: Good credit history - Clayton Comments:  Good credit history

436978718

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $2,040.08= $12,240.48Available Reserves: $257,215.76 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 694; Program min- 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 70%; Program max- 80%

436331343

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 159.38 months reserves exceeds 6 months PITIA requirement per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 797 is > 20 more than guideline requirement CFCFS5269: Minimal use of credit - Clayton Comments:  Borrowers has 4.93% credit usage ratio

436331345

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Texas Home Equity

Satisfied

C

B

C

B

CMPTXHE119

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

No

The Affidavit of Fair Market Value in the file was signed by the borrower. but was not signed by the lender.

3.16.2022- Client Response- Provided signed affidavit (post closer signature)3.16.2022- Clayton Response- Provided documentation satisfies exception

3.16.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Low DTI 32% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  XXX for 30 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash to borrower of $XXX at closing

436978722

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2420

Missing HUD-1 (Final and Estimated)

No

Missing Settlement Statement

3.21.2022- Client Response- Provided estimated hud-1 and final hud-13.22.2022- Clayton Response- Provided documentation satisfies exception

3.22.2022- Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  5 yrs vs 2 yrs CFCFS1744: DTI below guideline requirement - Clayton Comments:  75% vs 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  732 (as per Loan approval ; credit in file expired dated XXX) vs 680

436978723

XXXXXX

XXXXXX

(No Data)

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:  774 vs 680 CFCFS1736: Significant time at current residence - Clayton Comments:  10 yrs vs 2 yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $4,052.12; Required reserves: 0.00

436978724

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2420

Missing HUD-1 (Final and Estimated)

No

Missing Final Executed HUD as required per Loan Approval dated XXX.  HUD is file is not for subject property.

4.4.2022- Client Response- Provided final HUD for XXX 4.4.2022- Clayton Response- Provided documentation satisfies exception

4.4.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 764 exceed guideline requirement of 700 with 64 points. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 15 years  at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $200,217.67 or 67.79 months of P&I reserves.

436978724

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing Cash Out letter.

3.30.2022 Received executed cash out letter.

3.30.2022 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 764 exceed guideline requirement of 700 with 64 points. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 15 years  at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $200,217.67 or 67.79 months of P&I reserves.

436331347

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS5269: Minimal use of credit - Clayton Comments:  Minimal use of credit

436331348

XXXXXX

XXXXXX

(No Data)

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 716 exceeds guidelines 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.12 below guideline requirements 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $155,007.66 or 42 months exceed guidelines 6months.

436331350

XXXXXX

XXXXXX

(No Data)

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 716 Credit score exceeds guidelines of 680 by 36 points. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower has 2 properties with 0 X 30 for more than 24  months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower's consumer credit history is 0 x 30 last 36 months and exceeds guidelines.

436978725

XXXXXX

XXXXXX

(No Data)

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:  Qualifying fico is 751 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower is 0*30 mortgage history in past 25 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower is 0*30 consumer credit for 411 months

436331351

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 744 of the required 600. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $ 13,320.46. CFCFS2860: Good credit history - Clayton Comments:  Good credit history and no late in past 36 months.

436978730

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 732.  Minimum score is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 80%.  Max is 85%. CFCFS2860: Good credit history - Clayton Comments:  Borrower pays all accounts on credit report 0x30 with 1 exception for a small medical P&L which is paid.

436331352

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR5081

Insurance Policy missing required endorsements

No

Flood insurance does not show a premium.  Need to know what the yearly amount is so it can be added to the DTI.

3.14.2022- Client response- provided invoice for commercial property with endorsement-0004 to include flood insurance3.14.2022- XXX response- provided documentation satisfies exception

3.14.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $637,957.17. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 712, minimum score allowed is 680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history.

436331353

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 60+ months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 48 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 706; Program min- 680 CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower only made use of 0.90% of an available $68,905.00 credit line

436331354

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $127,975.11 CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 706

436978734

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75 % below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 720 exceed guideline requirement of 700 with  20 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $41,107.05 or 22.92 months PITI

436330959

XXXXXX

XXXXXX

(No Data)

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:  High Credit Score 700 Guidelines allow 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 55 % Guidelines allow 80 % CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 34,719 as 6.80 months PITIA Guidelines require 6 months or ($ 5,102 X 6 = $ 30,612)

436331357

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history exceeds guidelines by number of open tradelines total of 8. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years

436978735

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current primary residence for 14 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  0x30, 60, 90 in past 99 months. CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 in past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 744 exceeds 680 minimum guideline.

436331358

XXXXXX

XXXXXX

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 and CD: XXX-1 Loan Disclosure The Will Not Have an Escrow Account in the CD Loan Disclosures does not have a section selected as to why the escrow account is not present.

3.14.2022-Client Response- Provided PCCD XXX with completed page XX of XXX, Escrow Account section completed3.14.2022- Clayton Response- Provided documentation satisfies exception

3.14.2022-Exception Satisfied

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSET: 6 months PITIA required for reserves on loan amount of $XXX used for Reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 65% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence

436978736

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has reserves of $295,574.34 of required 6 months PITI of $12,597.60 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 744 exceeds the required 680 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at his residents for 14 years

436978737

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75 % below maximum of 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 13 years  at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $244,105.01 or 110.58 months PITI

436978738

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Legal Documents

Satisfied

C

A

C

A

CRDLGL4773

Extension Agreement not executed

No

Missing sales contract extension agreement. Latest extension date to close XXXClose date on HUD-1 and Note XXX

4.7.2022- Client Response- Provided exception approval for lack of addendum to contract4.7.2022- Clayton Response- Provided documentation satisfies exception

4.7.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets of $850K, or 168 months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 1 fico 797 CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower (XXX) investment account verified at $1073950.71

436331359

XXXXXX

XXXXXX

(No Data)

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. CFCFS1736: Significant time at current residence - Clayton Comments:  Co-Borrower at current residence for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $82,346.52 exceed guidelines 0months.

436331361

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $44,803.16 exceed guidelines requirement $5281.50. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 792 exceeds guidelines 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% below guideline requirements 80%

436978746

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines - 0 LATES CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 793 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $93,756.40

436331363

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  700 credit score is 20 points above the minimum per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current ressidence

436331365

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 33 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 802 exceeds guidelines 620. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 40%; Program max- 85%

436330996

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with no recent late payments. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 65% is below lender's maximum 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico score 722 exceeds guide lines 600.

436331366

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets - $40,451.32 or 22.71 months PITI6 MONTHS RESERVES - $1780.91 X 6 = $10,685.46 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 674 CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings - Uptick in rent market per comps.

436331367

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 58 months ITIA exceeds guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO 711 exceeds  guideline score of 680 CFCFS1739: Postive mortgage payment history - Clayton Comments:  No late pays in the last 2 years

436331370

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing executed Lease Agreement.  Subject is a cash out refinance.

3.18.2022- Client Response- Provided lease agreement for XXX3.18.2022- Clayton Response- Provided lease agreement satisfies exception

3.18.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 756 exceed guideline requirement of 700 with  56 points. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 16 years  at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  : Borrower's post close Assets are $21,392.57  or  35.67  months of P&I reserves.

436331371

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 17+ years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 46.53% is 23.47% below the maximum of 70% LTV CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 9 mortgaged properties with zero late payments ever reported

436331372

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing supporting documentation for 2 consecutive month rental payments.  Bank statement in file dated XXX reflects deposit of $8.000. Lease dated XXX. Guideline requires verification of 2 months to use the greater of Lease or Market Rent.  Lease in file $8,000; Market Rent $6,400

3.19.2022- Client Response- Provided word document with screen shot of reduced ratios3.19.2022- XXX Response- Provided information does not satisfy exception. Please provide updated lender approval or signed 1008 transmittal3.22.2022- Client Response- Provided lender approval and corresponding 10083.22.2022-Clayton Response- Provided documentation satisfies exception

3.22.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1746: Significant housing expense reduction - Clayton Comments:  Significant housing expense reduction

436331373

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late pays in the most recent 2 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers cash reserves after closing at 17.80

436331374

XXXXXX

XXXXXX

(No Data)

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 704 Credit score exceeds guidelines of 600 by 104 points. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers 0 x 30 the previous 2 years in which they owned a property. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower 75% is 15 points below 90% LTV allowed by guidelines.

436331375

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $157,452.38 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 730 CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 32 years

436331376

XXXXXX

XXXXXX

(No Data)

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:  797 credit score. CFCFS2860: Good credit history - Clayton Comments:  On time payment history of all accounts on credit report for borrower. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $353,134.97 in verified cash reserves post closing.

436978747

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% VS 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  718 VS 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  49 months vs 6 months

436331377

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 40 points above guideline minimum CFCFS2860: Good credit history - Clayton Comments:  No Mortgage late 0 * 30 * 12

436331379

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 688 of the required 620. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV below guideline requirement of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  51 Months of 0x30 mortgage payment history.

436331380

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $599,831.08 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 700 CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings - Based on comps, uptick in market.

436331381

XXXXXX

XXXXXX

(No Data)

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:  741 vs 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% vs 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets: $367,644.71, cash from borrower at closing $4,477.65 Reserves required: $15,567.42

436978749

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA

Active

B

B

B

B

CMPTILA4787

TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business.

No

TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  709 credit score is 29 points above the minimum required per guideline

436331386

XXXXXX

XXXXXX

(No Data)

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:  732 credit score. CFCFS2860: Good credit history - Clayton Comments:  On time payment history reported on credit report for all loans. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $105,398.99 in verified cash reserves post closing.

436331389

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Current mortgage statement shows primary housing as current and no late charges CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 733 of the required 600. CFCFS2860: Good credit history - Clayton Comments:  Good credit history with oldest tradeline of XXX.

436331390

XXXXXX

XXXXXX

(No Data)

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 at 782 CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years

436331391

XXXXXX

XXXXXX

(No Data)

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 of 704 exceeds guideline requirement of 600. CFCFS2860: Good credit history - Clayton Comments:  Borrower has good credit history from XXX. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history of 48 months.

436331392

XXXXXX

XXXXXX

(No Data)

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:  The Borrowers credit score is 704; guideline minimum is 680. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has resided at the current residence for 4 years. CFCFS2860: Good credit history - Clayton Comments:  The Borrower has had good credit history with 0x30 for more than 24 months.

436331395

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 73% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 756 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 9 months after closing of $63,205

436331396

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Provide insurance binder with sufficient coverage. Per Note loan amount $XXX.HOI in file reflect rent loss $XXX. Insufficient coverage as does not meet guideline, rent loss insurance for the subject is required and must equal at least 6 months of the initial monthly payment plus impounds.

3.8.2022- Clayton response- upon further review, HOI has loss of rent coverage of $XXX, sufficient to meet 6 month lender requirement. Exception is satisfied.

3.8.2022-Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 728 exceeds guidelines 680. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 69.31% below guideline requirements 80%.

436331397

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $9,568.48 x 6 months= $57,410.88Available Reserves- $160,822.93 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 57.69%; Program max- 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 712; Program min- 620

436331398

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $XXX, cash from borrower at closing $XXX. Required reserves 6 months X $3,090.68 = $18,544.08; Excess reserves $254,818.34. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 742 Credit score exceeds guidelines of 680 by 62 points. CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower's credit line usage ratio is 14.73%.

436331399

XXXXXX

XXXXXX

(No Data)

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 720 exceeds guidelines 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower at current residence for 6 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $34583.54 exceed guidelines $0.

436331400

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

Re-Verifications

Satisfied

C

A

C

A

PRVACLRVRFC1819

Appraiser's license was invalid when the appraisal was performed

No

FraudPlus high risk warning;XXX is not registered with the XXXProvide registration of XXX with XXX or provide exception waiver

3.16.2022- Client Response- Provided asg.gov registration with credential effective XXX3.16.2022- Clayton Response- Provided documentation satisfied exception

3.16.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 708. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 55 months of reserves; guidelines require 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Loan program max LTV is 70; this LTV is 39.47%.

436978756

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $48,993.56 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 734; Program min- 680 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 60+ months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 60+ months

436978757

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  The Borrower has resided at current residence for 17 years. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Housing reduction of ($171.47);  -19.75%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Satisfactory payment history on subject property.

436978758

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS5269: Minimal use of credit - Clayton Comments:  B1 has only made use of 29% of an available $38,850.00 credit line CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $668.63= $4,011.78Available Reserves:  $54,005.85 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual Score- 679; Program min- 660

436978759

XXXXXX

XXXXXX

(No Data)

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:  679 vs 660 CFCFS1736: Significant time at current residence - Clayton Comments:  17 yrs vs 2 yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves:  $82,547.18 ; required: $0.00

436978761

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS5269: Minimal use of credit - Clayton Comments:  B1 has only made use of 21.59% of an available $70,800.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 725; Program min- 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $4,516.30= $27,097.80Available Reserves: $31,363.47

436978762

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $6,621.97 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 730; Program min- 660 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 42 months

436331406

XXXXXX

XXXXXX

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

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)

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.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score 791 above 680 for 55% DTI CFCFS2860: Good credit history - Clayton Comments:  0x 30, 60, 90 on credit for past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves $320,968 or 78.98 months PITI exceeds guideline.

436331406

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3618

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

No

Provide Initial CD received by borrower at least 3 business days prior to closing and all CD's issued to borrower.

3/24/2022 - Upon further review Client provided CD dated XXX.  No further documentation needed for this exception.

3/24/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score 791 above 680 for 55% DTI CFCFS2860: Good credit history - Clayton Comments:  0x 30, 60, 90 on credit for past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves $320,968 or 78.98 months PITI exceeds guideline.

436331406

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Provide Initial CD received by borrower at least 3 business days prior to closing and all CD's issued to borrower.

3/24/2022 - Upon further review Client provided CD dated XXX.  No further documentation needed for this exception.

3/24/2022 - Exception satified

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score 791 above 680 for 55% DTI CFCFS2860: Good credit history - Clayton Comments:  0x 30, 60, 90 on credit for past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves $320,968 or 78.98 months PITI exceeds guideline.

436331406

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero percent tolerance fee of $500 for increase in Processing Fee of $500. Missing change of circumstance.Provide corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation.

3.24.2022- Client Response- Provided Refund check copy for tolerance cure dated XXX3.24.2022- Clayton Response- Provided documentation satisfies exception

3.24.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score 791 above 680 for 55% DTI CFCFS2860: Good credit history - Clayton Comments:  0x 30, 60, 90 on credit for past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves $320,968 or 78.98 months PITI exceeds guideline.

436331406

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3966

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

No

CD's dated XXX, both or neither of You declined it and/or Your lender does not offer one are selected.Provide LOX and post-consummation CD within 60 days of consummation.

3.24.2022-Client Response- Provided closing CD with escrow disclosure checked3.24.2022- Clayton Response- Provided documentation satisfies exception

3.24.2022- Exception Satisfied

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score 791 above 680 for 55% DTI CFCFS2860: Good credit history - Clayton Comments:  0x 30, 60, 90 on credit for past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves $320,968 or 78.98 months PITI exceeds guideline.

436331406

XXXXXX

XXXXXX

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

CMPTRID4579

TRID - CD: Missing Initial CD

No

Provide Initial CD received by borrower at least 3 business days prior to closing and all CD's issued to borrower.

3/24/2022 - Upon further review Client provided CD dated XXX.  No further documentation needed for this exception.

3/24/22 - Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score 791 above 680 for 55% DTI CFCFS2860: Good credit history - Clayton Comments:  0x 30, 60, 90 on credit for past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves $320,968 or 78.98 months PITI exceeds guideline.

436978763

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  15 yrs vs 2 yrs CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% vs 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $204,790.15 reserves available; $30,254.04 required

436331409

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS5269: Minimal use of credit - Clayton Comments:  Minimal use of credit CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years

436331411

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 731 exceeds guidelines 680.

436331413

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71.667 below guideline allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 12.37 months PITIA exceed guideline 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 696, minimum score allowed is 680.

436331415

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2420

Missing HUD-1 (Final and Estimated)

No

Missing Final and Estimated HUD; Seller HUD in file.

3.18.2022- Client Response- provided final settlement statement for XXX and estimated hud for XXX3.18.2022- Clayton Response- Provided documentation is insufficient to satisfy exception. Please provide estimated hud-1 for XXX3.22.2022- Client Response- Provided correct FSS3.22.2022- Clayton Response- Provided documentation satisfies exception

3.22.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 681 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 80.00 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $107,778.69

436331416

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower received $219,257.90 in cash back at closing which gives the borrower 103 payments in reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 762-program requires 600 middle fico. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history.

436331034

XXXXXX

XXXXXX

(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

CRDAST115

Cash reserves do not meet guidelines

No

Per guideline require 6 months PITIA. Verified reserves $4573.45. Provide documentation to support required reserves $12499.20.

3.22.2022-Client Response- Provided Rebuttal showing correction of cash-out on their los system incorrectly checked, provided new lender approval3.22.2022-Clayton Response- Provided documentation satisfies exception; eclas updated to reflect rate/term refi; no reserves required

3.22.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  The Borrower has lived at current residence for 16 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history 47 months exceeds guidelines 12 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV 53.85%,  is below maximum LTV 80%, for the loan program.

436331417

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 123.95 months ITIA exceeds guideline minimum of 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 80% CFCFS1739: Postive mortgage payment history - Clayton Comments:  0X30, 60, 90 in past 27 months. CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 in past 24 months

436331418

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing XXX loan approval form

3.14.2022- Client Response- provided loan approval3.14.2022- Clayton Response- provided approval satisfies exception

3.14.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $139,089.27, cash from borrower at closing $61,803.68 . Required reserves 6 months X $1,730.17 = $10,381.02; Excess reserves $66,904.57. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower mortgage rating 0 x 30 past 24 months. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has at least one trade line greater than 24 months per guidelines and it is 0 x 30 for 28 months.

436331419

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at primary residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  787 credit score. CFCFS2860: Good credit history - Clayton Comments:  On time payment history on all mortgage and consumer debts.

436331420

XXXXXX

XXXXXX

(No Data)

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:  Fico 731 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV max 80%, current LTV 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified $151,633 cash back at closing, 134 months PITI

436978764

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history 99 months exceed guideline 12 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $239024.36 exceed guidelines $11967.24. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 719 exceeds guidelines 600.

436978765

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

COC reflects PCCD dated XXX

3.29.2022- Client Response- Provided written clarification on PCCD date and COC3.30.2022- Clayton Response- Provided documentation satisfies exception

3.30.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  600 VS 728 CFCFS2854: Significant time in profession - Clayton Comments:  11.5 YRS VS 2 YRS CFCFS1737: LTV below guideline requirements - Clayton Comments:  48% VS 75%

436978766

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $46,509.08 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 703; Program min- 640 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 75%; Program max- 85%

436978767

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 703.  Minimum score is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 75%.  Max LTV is 80%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Overall mortgage history is 0x30.

436978768

XXXXXX

XXXXXX

(No Data)

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:  703 vs 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  56,815.21 reserves available vs $10,566.54 required CFCFS1744: DTI below guideline requirement - Clayton Comments:  75% v 85%

436331422

XXXXXX

XXXXXX

(No Data)

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 786 exceeds guidelines 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 72.85% below guideline requirements 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history 36 months exceeds guidelines 12 months.

436331423

XXXXXX

XXXXXX

(No Data)

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:  Borrowers qualifying credit of 708 exceed guideline requirement of 700 with  8 points. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $421,072.40  or  93.70 months of P&I reserves.

436331426

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $132,309.44, cash to borrower at closing $132,309.44. Required reserves3months X $1,740.05 = $5,220.15. CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660

436331427

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Re-Verifications

Satisfied

C

A

C

A

CRDRVRFC1813

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

No

Chain of Title and Mortgage statement in file show borrower is on Title but not Note/No Financial obligation. XXX Shows on financial obligation documents. Title indicate Quit claim deed to Borrower on XXX. Short term rental documentation in file does not support consistent rental income nor history. The appraiser noted that the owner specifically told him the property is a secondary residence and later updated Occupancy to tenant as per client.

3.15.2022- Client Response- Provided mortgage statements and written rebuttal regarding appraisal, loe from borrower, chain of title and use of guidelines not previously used. 3.15.2022- Clayton Response- Review of provided documents satisfies exception

3.15.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings as rental. CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 689 exceeds guidelines 680.

436331427

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER4631

Loan parameters do not meet guidelines

No

Per title Quit Claim deed dated XXX transfer of ownership to Borrower.Noni Guidelines XXX not in file. Cashout loan subject transaction dated XXX does not meet guideline dated XXX ownership requirement of 6 months from the acquisition date.(2) Per 1003 Borrower owner of primary residence. Mortgage statement indicate third party on Note and owner. For subject property per title Quit claim deed, Borrower last ownership interest in subject property XXX Note date XXX. Does change qualification to FTHB.

3.15.2022-Client Response- Provided LOE from client underwriter clarifying ownership interest in property. 3.15.2022-Clayton Response- Provided documentation satisfies exception

3.15.2022- Exception Satisifed

(No Data)

Not Applicable

CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings as rental. CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 689 exceeds guidelines 680.

436331428

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico is 715 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower is 0*30 mortgage history in past 36 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has never had consumer derogatory payment in 180 months of credit history

436331429

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR3792

Insurance policy missing Rent Loss/Business Interruption coverage

No

Provide insurance binder with sufficient coverage. HOI in file does not reflect rent loss coverage. Per guideline, rent loss insurance for the subject is required and must equal at least 6 months of the initial monthly payment plus impounds.

3.14.2022- Client Response- provided declaration page with coverage D, fair rental value of $XXX3.14.2022- Clayton Response- provided documentation satisfies exception

3.14.2022- Exception Satisifed

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 752 exceeds guidelines 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 57.05 below guideline requirements85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower 6 years at current residence.

436331429

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Per Title , Appraisal, Payoff ownership in third party name. Deed dated XXX show transfer of ownership as a bonafide gift and grantor received nothing in return . Settlement statement dated XXX indicate payoff of a lien in a donor/ Previous Owner name. Provide documentation supporting Borrower ownership history and cost associated with ownership. Additional conditions may apply.

3.15.2022- Client Response- Provided XXX page title supplement. 3.15.2022-Clayton Response- Provided documentation is insufficient to satisfy exception. Please provide full title report.3.19.2022- Client Response- Provided Grant Deed3.19.2022- Clayton Response- Provided documentation satisfies exception

3.19.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 752 exceeds guidelines 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 57.05 below guideline requirements85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower 6 years at current residence.

436331430

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Per eligibility matrix max LTV is 85%.The Loan closed with an LTV of 77.79%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 731 of the required 600. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history of 35 months.

436331432

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves  $219,848.93 exceed guidelines $8507.70. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 769 exceeds guidelines 680. CFCFS2860: Good credit history - Clayton Comments:  Good credit history with no late in past 37 months.

436331435

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Appraisal completed subject to following repairs or replacement of the septic system, broken windows and final inspection. Provide completion report.

3.15.2022- Client Response- Provided 1004D verifying all items completed 3.15.2022-Clayton Response- Provided documentation satisfies exception

3.15.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history 79 months exceeds guidelines 12 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 701  exceeds guidelines 680.

436331435

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value of $XXX.

3.11.2022- Client Response- CDA dated XXX3.11.2022- Clayton Response- provided CDA satisfies exception

3.11.2022- Exception Satisified

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history 79 months exceeds guidelines 12 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 701  exceeds guidelines 680.

436331437

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1739: Postive mortgage payment history - Clayton Comments:  Postive mortgage payment history

436331438

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $92,458.94 in verified assets from cash back on Settlement Statement. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Credit Report reflects on time mortgage payment history along with the completed VOM's.

436978770

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has a positive mortgage payment history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  High Credit Score 730 Guidelines allow 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 80 % Guidelines allow 85 %

436331440

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5352

Flood Effective date is greater than the transaction date

No

Flood insurance  effective date XXX. Note date XXX.

3.10.2022- Client provided Flood insurance3.10.2022- Upon further review, proof of flood insurance provided is sufficient and exception satisifed

3.10.2022- Exception Satisfied

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  57.87 Months PITI reserves exceeds minimum 6 months required per guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  733 qualifying FICO exceeds minimum required 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  - LTV of 75% is below required maximum 85%

436331442

XXXXXX

XXXXXX

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

Client provided PCCD with disbursement date of XXX. Cancelled

3.14.2022- Client Response- provided PCCD documentation3.14.2022- Clayton Response- provided documentation satisfies exception

3.14.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  The Borrower has resided in the current residence for 28 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 757; guideline minimum is 600. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 43.14%; guideline maximum is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 18.47% guideline maximum is 55%.

436331443

XXXXXX

XXXXXX

(No Data)

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:  High Credit Score 666 Guidelines allow 640 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 76 % Guidelines allow 80 % CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 968,485 as 425 months PITIA Guidelines require 3 months or ($ 2,278 X 3 = $ 6,834)+ 2 Months for Additional REO or ($ 11,992 X 2 = $ 23,984)

436978771

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

Property

Satisfied

C

A

C

A

PRVAPROP2674

Property Issues Indicated 2

No

Square Footage below minimum required as per Matrix XXX

4.1.2022- Client Response- Provided exception request form4.1.2022- Clayton Response0 Provided exception satisfies exception

4.1.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  691 vs 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  72% vs 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  reserves: $32,198.84 ; required: $11,816.70

436331447

XXXXXX

XXXXXX

(No Data)

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 797 Credit score exceeds guidelines of 680 by 117 points. CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower's credit line usage ratio is only 9.99%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower 60% is 25 points below the 85% LTV allowed by guidelines.

436331448

XXXXXX

XXXXXX

(No Data)

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 751 Credit score exceeds guidelines of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower 65% is 15 points below 80% LTV allowed by guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $197,060.79 exceed guidelines $6543.37.

436331451

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 18yrs CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x99

436331452

XXXXXX

XXXXXX

(No Data)

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 Representative Score:668 CFCFS5269: Minimal use of credit - Clayton Comments:  credit line usage ratio: 8.61% CFCFS2860: Good credit history - Clayton Comments:  # of tradelines open: 4

436331453

XXXXXX

XXXXXX

(No Data)

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:  Borrowers qualifying credit of 796 exceed guideline requirement of 700 with 96 points. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 22 years  at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $53,084.85  or  73.80  months of P&I reserves.

436978772

XXXXXX

XXXXXX

(No Data)

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:  722 vs 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  80% vs 85% CFCFS2860: Good credit history - Clayton Comments:  120 months history 3% revolving utilization

436978773

XXXXXX

XXXXXX

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

Documentation

Satisfied

D

A

D

A

CMPDOC191

Missing Mortgage

No

Missing executed Mortgage

3.30.2022-  Client Response- Provided executed DO3.30.2022- Clayton Response- Provided documentation satisfies exception

3.30.2022- Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 6 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves exceed guideline minimum o 6 months CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 past 12 months

436978773

XXXXXX

XXXXXX

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

Documentation

Satisfied

D

A

D

A

CMPDOC195

Missing Note

No

Missing executed Note

3.30.2022- Client Response- Provided executed note3.30.2022- Clayton Response- Provided documentation satisfies exception

3.30.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 6 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves exceed guideline minimum o 6 months CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 past 12 months

436978773

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Missing Affiliated Business Disclosure.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 6 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves exceed guideline minimum o 6 months CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 past 12 months

436331457

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL988

Loan File is Missing or Contains Insufficient Documentation for Basic Review

No

Incomplete Commitment Title; Missing schedule B and C .

3.11.2022-Client Response- Provided title schedule A, previously in file. 3.11.2022- Clayton Response- Provided documents are insufficient. Please provide schedule B and C of title report.3.14.2022- Client Response- Provided full title report with schedule A-D3.14.2022- Clayton Response- Provided documentation satisfies exception

3.14.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Per eligibility matrix max LTV is 80%.The Loan closed with an LTV of 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $ 119,583.93 Verified cash reserves exceed guidelines of $ 0.00. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Positive mortgage payment history of 60 months.

436331460

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

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

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per 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 2 has been employed with the current employer for 13.2 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 4.6 years. CFCFS2860: Good credit history - Clayton Comments:  The Borrowers have 0x30 for more than 24 months on the credit history.

436331460

XXXXXX

XXXXXX

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

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2 has been employed with the current employer for 13.2 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 4.6 years. CFCFS2860: Good credit history - Clayton Comments:  The Borrowers have 0x30 for more than 24 months on the credit history.

436331460

XXXXXX

XXXXXX

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

DTI

Satisfied

C

A

C

A

CRDDTI187

Debt Ratio > 50%

No

B2 W2 income 2020 $23,608.46 + XXX $26513.72 + XXX $1301.26=51,423.44/$2106.65 monthly.  The Lender has qualified the Borrower's hourly income as $15.75 @ 35 Hours weekly; however the after verifying the income for XXX; XXX the Borrower does not have a pattern of working 35 hours weekly.

3.16.2022- Client Response- Provided 1008, 1003 and income worksheet3.16.2022- XXX Response- Provided documents satisfies exception

3.16.2022- Exception Satisifed

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2 has been employed with the current employer for 13.2 years. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 4.6 years. CFCFS2860: Good credit history - Clayton Comments:  The Borrowers have 0x30 for more than 24 months on the credit history.

436331462

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  2+ years of on time mortgage payment history per credit report. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $56,618.28 in verified cash reserves exceed guidelines $0. CFCFS5269: Minimal use of credit - Clayton Comments:  4 active accounts and credit usage ratio is 25.88%.

436331465

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 past 24 months CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30, 60, 90 past 99 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $111,615.95.

436331466

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower is 0 X 30 on the mortgage for 39 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 754 Credit score exceeds guidelines of 680 by 74 points. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower's consumer credit history is 0 x 30 last 48 months and exceeds the 0  X 12 guidelines by 3 years.

436331469

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 701. CFCFS2860: Good credit history - Clayton Comments:  There are no collection accounts reported.

436331470

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $923,511.46, cash from borrower at closing $443,719.51. Required reserves $0.00; Excess reserves $479,791.95. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 774 Credit Score exceeds guidelines of 680 by 94 points. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower is 0 x 30 the previous 30 months in which he has owned a property.

436978775

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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:  Qualifying LTV is 70% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  14 years at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  21 years at current residence.

436331471

XXXXXX

XXXXXX

(No Data)

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 724, minimum guideline score 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets" Borrower's Post Close Cash Reserves  amount are $223,591.85 or 142.22 months of PITIA reserves Required PITIA Reserves are $1,572.10 X 2 months = $3,144.20. CFCFS2860: Good credit history - Clayton Comments:  0X30, 60, 90 in past 24 months.

436978776

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 685, minimum guideline score 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0X30X67 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets Cash Out amount are $30,228.68 or 11.90 months of PITIA reserves Required PITIA Reserves are $2,540.64 X 6 months = $15,243.84.

436978777

XXXXXX

XXXXXX

(No Data)

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 738 exceeds guidelines 600 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower at current residence for 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 80% below guideline requirements85%.

436331477

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Final CD XXX-1 is missing page XXX of XXX.

3.14.2022- Client Response- provided full closing disclosure, all pages3.14.2022-Clayton Response- provided documentation satisfies exception

3.14.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence CFCFS1745: Significant total monthly debt reduction - Clayton Comments:  Significant total monthly debt deduction

436331477

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing Lender's bank statement income worksheet and full 12 months of business bank statements.  Missing XXX, XXX and XXX

3.14.2022- Client Response- Provide bank statement worksheet, residual income analysis and missing bank statements3.14.2022- Clayton Response- Provided documentation satisfies exception

3.14.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence CFCFS1745: Significant total monthly debt reduction - Clayton Comments:  Significant total monthly debt deduction

436331480

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 667 of the required 600. CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower credit usage ratio is 3.43. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  13 months of reserves with cash back at closing $28,872.34

436331481

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 763 of the required 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Per eligibility matrix max LTV is 85%.The Loan closed with an LTV of 65.89%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $ 85,085.27.

436331482

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% below guideline allowed 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  18months cash reserves PITIA exceed guidelines of 6months reserves PITIA CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 671 exceeds guidelines 600

436978778

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70.59%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 724, minimum guideline score 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0X30X54 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets" Borrower's Post Close Assets Cash Out amount are $79,006.01 or 15.28 months of PITIA reserves Required PITIA Reserves are $5,169.20 X 6 months = $31,015.20.

436331484

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 123.5 months PITIA exceeds guideline minimum of 0 months CFCFS2860: Good credit history - Clayton Comments:  030, 60, 90 within past 24 months CFCFS5269: Minimal use of credit - Clayton Comments:  Minimal use of credit

436331485

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of680

436978781

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC191

Missing Mortgage

No

Missing Mortgage.

3.31.2022-Client Response- Provided DOT3.31.2022-Clayton Response- Provided documentation satisfies exception

3.31.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 vs 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% vs 80% CFCFS1736: Significant time at current residence - Clayton Comments:  10 yrs vs 2 yrs

436331491

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 750 exceeds guidelines 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $58,286.32 exceed guidelines $0.

436978782

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 85%.  Max LTV 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 785.  Minimum score is 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX for 4 years.

436331495

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  0 X 30 credit History CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 800 exceeds guidelines 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 104.71 months of PITIA exceed guidelines 6months of PITIA

436331496

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Guarantor has lived at current residence for 5 years CFCFS5269: Minimal use of credit - Clayton Comments:  Minimal Use of Credit 0.00%. CFCFS2860: Good credit history - Clayton Comments:  0 x 30, 60, 90 past 24 months

436331497

XXXXXX

XXXXXX

(No Data)

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 747 Credit score exceeds guidelines of 660 by 87 points. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower has 5 mortgages without any mortgage late payment during the past two years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $12,030.60 or 11months exceed guideline 6months.

436331499

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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 below guideline requirements CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job CFCFS5269: Minimal use of credit - Clayton Comments:  Minimal use of credit

436978786

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower is 0*30 mortgage history in past 24 months CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years and 1 month at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets" Borrower's Post Close Assets  amount are $21,676.47 or 7.58 months of PITIA reserves Required PITIA Reserves are $2,861.46 X 6 months = $17,168.76.

436331501

XXXXXX

XXXXXX

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 are not reflected in section H of Borrower Final CD. Seller CD is missing from documents. Provide Seller CD.

3/14/2022 - Client provided Seller CD . Exception satisfied.

3/14/2022 - Exception satisfied

Numeric

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines

436331501

XXXXXX

XXXXXX

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

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

3/14/2022 - Client provided Seller CD . Exception satisfied.

3/14/2022 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines

436331502

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1736: Significant time at current residence - Clayton Comments:  18 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers have a 733 credit score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $122,958.27 in verified cash reserves post closing.

436331503

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR100

Missing Appraisal

No

Missing Appraisal in borrower file

3.11.2022-Client Response- Provided full appraisal and ucdp report3.11.2022- Clayton Response- Provided documents satisfy exception

3.11.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  733 credit score is 53 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 18 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $131,103.19 or 107.97 months of PITIARequired PITIA Reserves are $1,214.31 x 6  months = $ 7,285.86

436331503

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

FEMA

Satisfied

B

A

B

A

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

Missing Appraisal

3.11.2022- Client Response- Provided appraisal and ucdp report3.11.2022- Clayton Response- Provided documents satisfy exception

3.11.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  733 credit score is 53 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 18 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $131,103.19 or 107.97 months of PITIARequired PITIA Reserves are $1,214.31 x 6  months = $ 7,285.86

436331504

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 63.83% which is below the required LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $293,256.23, cash to borrower at closing $293,256.23. Required reserves3months X $1,887.66 = $5,662.98. Excess reserves $287,593.25. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 806 exceeds guidelines 680.

436331505

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 13.45 months PITIA exceeds guideline minimum of 0 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 80 points above guideline minimum CFCFS1739: Postive mortgage payment history - Clayton Comments:  Primary housing mortgage 0 x 30 x 19

436331506

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower's mortgage payment history to XXX s 0 x 30 last 8 years and exceeds the 0  X 12 guidelines by 7 years. CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower's credit line usage ratio is 4.68%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 709 Credit score exceeds guidelines of 680 by 29 points.

436331507

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  702 credit score. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  5 plus years of on time mortgage payment history.

436331508

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing executed Guaranty by XXX

3.21.2022- Client Response- Provided signed guaranty3.21.2022- Clayton Response- Provided documentation satisfies exception

3.21.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 772 is > 20 more than guideline requirement CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has 13.57% credit usage ratio CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 135.07 months reserves exceeds 6 months PITIA requirement per guideline

436331508

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Title

Satisfied

D

A

D

A

CRDTIL865

Title incomplete

No

Preliminary Title reflects no prior Mortgages, item #7 and 8 reflects intentionally deleted.  HUD reflects payoff in the amount of $XXX. NOTE: Mortgage statements in file for subject property reflects XXX

4.4.2022- Client responded- Sent copy of final title showing payoff of $XXX and cleared.4.4.2022- Clayton response- Client provided copy of Final title showing the lien was paid off and cleared.  Nothing further is needed and exception to be satisfied

4.4.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 772 is > 20 more than guideline requirement CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has 13.57% credit usage ratio CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 135.07 months reserves exceeds 6 months PITIA requirement per guideline

436978788

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower is 0*30 mortgage history in past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico is 725 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves is 22.08

436331510

XXXXXX

XXXXXX

(No Data)

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 773 exceeds guidelines 600. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been living at primary residence for 28 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 50months exceed guideline 6 months.

436978789

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 759, minimum guideline score 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0X30X64 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets are $152,795.63 or 134.08 months of reserves.

436978790

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL1817

Final HUD-1 is incomplete or illegible

No

Missing Purchase HUD for Buyer. Seller HUD in file.

3.22.2022-Client Response- Provided seller hud-1 already in file3.22.2022- Clayton Response- Provided documentation does not satisfy exception. Provide BUYER settlement staement please3.24.2022- Client Response- Provided final HUD-1 for borrower3.24.2022- Clayton Response- Provided documentation satisfies exception

3.24.2022-Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower 1 has been at current residence for 5+ years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets of $48451.18 minus the Cash from borrower at closing of $38,314.81 and the EMD $3000.00  leaving $7,136.37 exceeding the Required Reserves of = $0.00 CFCFS2860: Good credit history - Clayton Comments:  0x 30, 60 90 past 24 months

436978791

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $101,183.37 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 704 CFCFS5269: Minimal use of credit - Clayton Comments:  Minimal use of credit - Minimal use of open tradelines

436978792

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets: Cash out amount used for assets:  $109,860.89  (122.14) Months PITIRequired Assets: (3) Months PITI: $899.44*3= $2,698.32 CFCFS5269: Minimal use of credit - Clayton Comments:  The Guarantors credit usage is 0.40%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  The borrower has satisfactory payment history.

436978793

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero tolerance in the amount of $9.00 as Recording Services increased with no COC in file to support it. Provide a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information

4.13.2022-Client Response- Provided refund for zero tolerance fee, copy of check issued and PCCD4.13.2022- Clayton Response- Provided documentation satisfies exception

4.13.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has been in the same profession for 11 years. CFCFS5269: Minimal use of credit - Clayton Comments:  Low credit usage; 15.96%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets: $46,838.27 (43.04)Required Reserves: (6) Additional (6) months for LTV>85  Months PITI: $1,088.30*12= $13,059.6

436331511

XXXXXX

XXXXXX

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

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH189

Missing credit report

No

Credit report is not in file

3.18.2022- Client Response- Provided credit report3.18.2022- XXX Response- Provided document does not satisfy exception. Credit report pulled on XXX with no record found by XXX and XXX. XXX inquiry information identified as fraudulent by consumer. Provide valid credit report or lender exception waiving requirements to guidelines3.22.2022- Client Response- Provided credit report with correct SSN3.22.2022-XXX Response- Provided documentation satisfies exception

3.22.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (57.69%) > 10 points below guideline maximum of 75% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 38 years at current profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 12.38 months reserves exceeds 0 months PITIA requirement per guideline

436331513

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2478

Missing Legal Documentation

No

Missing Executed Guaranty of LLC

3.28.2022- Client Response- Provided executed Guaranty 3.28.2022- Clayton Response- Provided documentation satisfies exception

3.28.2022- Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets of $53,678.34 minus cash from borrower at closing of  $36941.74 leaving $16,736.60 exceeding the Required Reserves of = $0.00 CFCFS1736: Significant time at current residence - Clayton Comments:  borrower has been at his primary residence since 2013 9+ years CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  grantor personal XXX income not used to qualify

436331515

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR3278

Hazard Insurance documentation in file is incomplete

No

Missing Condo Master Insurance in effect at time of refinance. Note date XXX. Condo Master Insurance in file expired XXX prior to refinance

3.28.2022- Client Response- Provided master condo policy with coverage breakdown3.28.2022- Clayton Response- Provided documentation satisfies exception

3.28.2022- Exceptions Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 710 of the required 600. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $ 104,543.66 Verified cash reserves exceed guidelines of $ 9,386.76. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV below guideline requirement of 80%.

436331516

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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 (27.62%) > 10 points below guideline maximum of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 740 is > 20 more than guideline requirement CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history shows 0X30X24

436331517

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at primary residence for 17 years. CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 past 24 months CFCFS5269: Minimal use of credit - Clayton Comments:  Minimal use of credit 0.00 CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30, 60, 90 past 99 months.

436978795

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets" Borrower's Post Close Assets Cash Out amount are $43,967.49 or 26.11 months of PITIA reserves Required PITIA Reserves are $1,683.70 X 6 months = $10,102.20. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 675, minimum guideline score  660 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 2 years at primary residence

436978797

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  5 YRS VS 2 YRS CFCFS1737: LTV below guideline requirements - Clayton Comments:  80% VS 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Effective Assets:$305,620.93  Cash from borrower: $ 123,334.07; Reserves required: $ 0.00

436978798

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets of $145752.92, Required reserves 6months X $2025.79=$12154.74 Excess reserves $133598.18 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% below guideline requirements 80% CFCFS2860: Good credit history - Clayton Comments:  0x30 on credit history past 36 months.

436331519

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC806

Notary Status is missing

No

Notary Status is missing from Security Agreement.

3.16.2022- Client Response- Provided notarized deed/note3.16.2022- XXX Response- Provided documentation satisfies exception

3.16.2022 - Exception Satisfied

(No Data)

Not Applicable

CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has 18.32% credit usage. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 27.94 months reserves exceeds 6 months PITIA requirement per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 732 is > 20 more than guideline requirement at 680

436331520

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

N/A

N/A

D

A

A

A

D

A

N/A

N/A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing Desk Review to support the Original Appraisal value of $XXX

3.15.2022- Client Response- Email requesting waiver of condition as 2 appraisals are in file and a CDA is no longer required.3.15.2022- Clayton Response- Upon further review of the appraisals in file, the indexed file appraisal is dated XXX, effective date of XXX XXX. Appraisal pdf in file is dated XXX, effective date XXX, XXX. XXX condition remains. Please provide second appraiser and/or CDA, UCDP report supporting appraised value of $XXX.3.18.2022-Client Response- Provided second appraisal dated XXX Appraiser XXX3.18.2022- Clayton Response- Provided appraisal satisfies exception

3.18.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified Assets of $751,881.36. Required reserves 6 months X $7,429.15= $ 44,574.90. Excess reserves $ $707,306.46. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 704. CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence 5 years.

436978801

XXXXXX

XXXXXX

(No Data)

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:  703 vs 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  68% VS 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves $267,307.45; Required reserves: $

436978802

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

DTI

Active

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

Calc DSCR- 0.55; Program min- 0.75

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $67,905.92 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 75%; Program max- 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 685; program min- 640

436978803

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 80% which is below the required LTV of 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $5,916.09, cash to borrower at closing $0. Required reserves6months X $799.62 = $4,677.72. Excess reserves $1,238.37.

436978805

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% is less than the maximum guideline of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $39,488.89 exceed guide lines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico score 751 exceed guideline  minimum of 620.

436331522

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 43 months exceed guidelines 6months. CFCFS5269: Minimal use of credit - Clayton Comments:  Per credit report, Borrower only has 3 accounts with a low balance. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 725.  Minimum is 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment per checks and history in file is 0x30x36

436978806

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  75% VS 80% CFCFS1736: Significant time at current residence - Clayton Comments:  5 yrs vs 2 yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves: $32,890.54 Required: $ 16,640.40

436331525

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 782 of the required 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  58.68% LTV below guideline requirement of 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $ 222,487.69.

436331526

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing fully executed Lease Agreement.  Subject is a refinance cash out.

3.16.2022- Client Response- Provided amendment of existing agreement 3.16.2022- Clayton Response- Provided documentation satisfies exception

3.16.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS2860: Good credit history - Clayton Comments:  Good credit history

436331527

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $216,272.95 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 766 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines - 0 lates

436331528

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  16 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $391,036.45, cash to borrower at closing $391,036.45. Required reserves6months X $3,576.83 = $21,460.98. Excess reserves $369,575.47.

436331096

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 5% below guideline maximum of 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 150 points above guideline minimum of 640.

436978807

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS5269: Minimal use of credit - Clayton Comments:  Borrowers only made use of 24.9% of an available $140,000.00 credit line CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 704; Program min- 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $4,177.75= $25,066.50Available Reserves: $95,290.36

436978808

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $1,377.13= $8,262.78 Available Reserves: $121,844.47 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 75%; Program max- 80% CFCFS5269: Minimal use of credit - Clayton Comments:  B1 only made use of 30% of an available $35,300.00 Credit Line

436331531

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Provide insurance binder with sufficient coverage. Per Note loan amount $XXX. Insurance coverage per insurance binder XXX. Required coverage $XXX.

3.19.2022-Client Response- Provided XXX code of law from insurance company3.19.2022- XXX Response- Provided documentation satisfies exception.

3.19.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 709 exceeds guidelines 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $156,901.46 in verified cash reserves post closing, exceed guidelines $0. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  On time mortgage payment history for more than 4 years.

436978809

XXXXXX

XXXXXX

(No Data)

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:  753 vs 680 CFCFS1736: Significant time at current residence - Clayton Comments:  6 yrs vs 2 yrs CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% vs 80%

436978810

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 20 years  at current address CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75 % below maximum of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $126,091.48  or  119.17 months PITI

436331533

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x24 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 22.54 is below required maximum of 55% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  8.98 Months PITI reserves exceeds minimum 3 months required per guidelines CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower employed 30 years at current job

436331534

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Multiple rental properties on credit report; 0 x 30 for the past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified Assets of $200.000.00 Required reserves 6 months X $4,010.78= $24,064.68 Excess reserves $175,935.32 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score is 761.

436978811

XXXXXX

XXXXXX

(No Data)

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:  Qual score- 735; Program min- 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $3,359.28= $20,155.68Available Reserves: $101,933.41 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 75%; Program max- 80%

436331535

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 44.77% below guideline requirements 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 708 exceeds guidelines 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 77.92 months reserves exceeds 6 months PITIA requirement per guideline

436331100

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 60+ months CFCFS5269: Minimal use of credit - Clayton Comments:  B1 only made use of 1.33% of an available $36,700.00 Credit Line CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 755; Program min- 680

436331536

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70% is below guidelines 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 660 exceeds guidelines 620. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Postive mortgage payment history from XXX

436978813

XXXXXX

XXXXXX

(No Data)

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:  723 vs 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  65% vs 80% CFCFS1736: Significant time at current residence - Clayton Comments:  5yrs vs 2 yrs

436331105

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower at current residence for 14 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 35% below guideline requirements 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score749 exceeds guidelines 600.

436331538

XXXXXX

XXXXXX

(No Data)

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 734 exceeds guidelines 600. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has been at current residence for 17 years. CFCFS1746: Significant housing expense reduction - Clayton Comments:  Housing reduction of ($582.78); -27.62%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets: $237,279.70 (127.37 ) Months PITI

436978814

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form (1008)

4.4.2022- Client Response- Provided 1008 and Approval (Lender)4.4.2022- Clayton Response- Provided documentation satisfies exception

4.4.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $24,098.54 CFCFS5269: Minimal use of credit - Clayton Comments:  B1 has only made use of 0.12% of an available $17,900.00 credit line CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 767; Program min- 660

436331539

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 80% which is below the required LTV of 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $52,084.99, cash to borrower at closing $0. Required reserves6months X $1,972.49 = $11,834.94. Excess reserves $40,250.05.

436331540

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for the past: 13 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $148,892.48 or 100.39 months of PITIA CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 668 exceeds guidelines 620.

436331541

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 75% which is below the required LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of reserves $149,206.95, exceed guideline 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 778 exceeds guidelines 680.

436331543

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 79.20% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 660 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 5 years..

436331545

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $101,978.09 , cash from borrower at closing $XXX . Required reserves $999.40 X 6 months = $5,996.40; Excess reserves $24,354.02. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrowers are 0 x 30 the previous 2 years in which they owned a property. CFCFS2860: Good credit history - Clayton Comments:  Borrower's consumer credit history is 0 x 30 last 36 months and exceeds guidelines.

436978817

XXXXXX

XXXXXX

(No Data)

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:  High Credit Score 757 Guidelines allow 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 75 % Guidelines allow 85 % CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 Years at Current Residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 104,306 as 16.99 months PITIA Guidelines Require No Reserves

436331546

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with no recent late payments. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves:$10,832.32 exceed guide lines. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been living at current residence for 17 years.

436978818

XXXXXX

XXXXXX

(No Data)

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:  High Credit Score 712 Guidelines allow 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 80 % Guidelines allow 85 % CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 20,591 as 26.96 months PITIA

436978819

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower is 0*30 rental history past 24 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.35. 55% allowed per g/l CFCFS1747: Housing expense increase is 10% or less - Clayton Comments:  Borrower housing expense is going from $1800/mo to 1932.50/mo.

436978820

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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

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

Post CD shows escrow removed; no escrow with no reason marked off. Escrow Waiver in file XXX indicates borrower declined Escrow; Exception satisfied.

(No Data)

(No Data)

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  703 VS 660 CFCFS1736: Significant time at current residence - Clayton Comments:  5 YRS VS 2 YRS CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $95, 467.10; Required reserves: 10,880.49

436331549

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS5269: Minimal use of credit - Clayton Comments:  Minimal use of credit

436331550

XXXXXX

XXXXXX

(No Data)

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:  Fico 707 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Program max 80%, LTV 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $86,529.07 cash to borrower at closing

436331552

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (66.67%) > 10 points below guideline maximum of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 24.999 months reserves exceeds 0 months PITIA requirement per guideline CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has 3.03% credit usage ratio

436331553

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has minimal use of credit.. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75% is 5% below maximum LTV guideline of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 691 exceeds the 680 credit score requirement by 11 points.

436978821

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 9 years  at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $23,733.27  or 16.68  months of PITI CFCFS1739: Postive mortgage payment history - Clayton Comments:  No late payments on mortgage in the past 24 months

436331557

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing Committee Review Letter for subject loan number XXX. Additional loan #'s; XXX; XXX; XXX; XXX; XXX; XXX; XXX; XXX;

3.28.2022- Client Response- Provided committee approval3.30.2022- XXX Response- Provided documentation satisfies exception

3.30.202- Exception Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is less than required of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 691 exceed required of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 123.96 PITI exceed required of 6 months..

436331559

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 52.68 months reserves exceeds 6 months PITIA requirement per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 691 is > 20 more than guideline requirement CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has 5.82% credit usage ratio

436331560

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR5081

Insurance Policy missing required endorsements

No

Missing updated HOI document with borrower name.Please provide HOI policy for subject property, owner XXX, effective date of XXXCurrent policy expiring XXX insured name is XXX

3.30.2022- Client Response- Provided updated HOI3.30.2022- Clayton Response- Provided documentation satisfies exception

3.30.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 716 of the required 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  42.46% LTV below guideline requirement of 85%.. CFCFS1745: Significant total monthly debt reduction - Clayton Comments:  Significant total monthly debt reduction of $ 2,267.94.

436331561

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory history, 10 open trade lines and the longest trade line is 58 months. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has XXX other property being reported on the Credit report with no late payments and reviewed for 22 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying Credit score is 707 and the minimum score allowed by the guideline is 600.

436978823

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS5269: Minimal use of credit - Clayton Comments:  B1 has made use of 0.00% of an available $15,100.00 credit line CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $1,573.40= $9,440.40Available Reserves: $95,059.17 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 696; program min- 660

436331120

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Title indicate vesting  XXX

3.28.2022- Client Response- Provided 1 page title memo stating vested title is in XXX name3.28.2022- Clayton Response- Provided documentation does not satisfy exception. Please provide title commitment and operating agreement for XXX in order to verify chain of title3.29.2022- Client Response- Provided supplemental title report3.30.2022- Clayton Response- Provided documentation satisfies exception

3.30.2022- Exception satisfied

(No Data)

Not Applicable

CFCFS5269: Minimal use of credit - Clayton Comments:  Low credit usage, 2.66%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 779 exceeds guidelines 600 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 78.21 below guideline requirements 85%

436978824

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing List of homeowners counseling organization.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been in current residence for 4 years CFCFS2860: Good credit history - Clayton Comments:  Borrowers credit history does not have any lates in the last 24 months CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.35% is 26.65% below the program maximum of 55%

436978825

XXXXXX

XXXXXX

(No Data)

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:  697 vs 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  80% vs 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  wdfsdfsdfsdf

436978826

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 784 exceeds the 720 credit score requirement by 64 points. CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have over 6 years in current profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $12,791.40 or 7.96 months PITIA; per guidelines reserves of $4,821.60 or 3 months is required for PITIA.

436331563

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  0x30 on all credit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  borrowers score is 754 minimum requirement is 680. Exceeds by 74 points,

436331564

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 58.8 months PITIA exceeds guideline minimum of 0 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 75%

436978827

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Subject Property has been reviewed for 43 months with no derogatory payment history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserves = 6 x $2,875.63=$17,254.38. Verified assets =$161,834.21 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  688 FICO exceeds guideline requirement of 680.

436978828

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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 10.09 months PITIA exceeds guideline minimum of 3 months. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been XXX for over 20 years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 26 years

436978830

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  0x30, 60 90 in past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 702 exceeds guideline 600 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at primary residence for 5 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has XXX for 5 years 4 months

436978832

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets of $544,399.44 minus cash from borrower at closing of $163,296.62 leaves $381,102.82 in reserves, exceeding the Required Reserves of = $0.00 CFCFS2860: Good credit history - Clayton Comments:  Borrower has 14 trades with zero reported lates in the last 24 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30, 60, 90 past 24 months

436978833

XXXXXX

XXXXXX

(No Data)

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:  Qual score- 727; Program min- 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $376,378.28 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 33 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 65%; Program max- 85%

436978834

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $599.07= $3,594.42Available Reserves: $66,191.46 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 703; Program min- 660 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 48+ months

436978835

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower is 0*30 mortgage history past 25 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower is 0*30 consumer credit past 25 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico is 775

436978836

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower is 0*30 mortgage history in past 25 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  174.56 months piti reserves CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower is 0*30 consumer credit history in past 25 months

436331140

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has reserves of $306,319.27 to the required $0 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  775 score exceeds guidelines 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  borrower has minimum derogatory reports on credit histpry

436978837

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Provide operating agreement for XXX with borrower as authority member. Document to support vesting on title. Document in file reflect XXX as XXX

4.4.2022- Client Response- Provided title report4.4.20022- Clayton Response- XXX ownership documentation verifies XXX is the prior owner of record and on the new application

4.4.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 698 of the required 620. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 75% of the required 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $37,876.29 Verified cash reserves exceed guidelines of $ 8,323.80.

436331570

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $253,699.13 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 757 CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 9 years

436978838

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines  - $674,773.68 CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 8 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 764

436331571

XXXXXX

XXXXXX

(No Data)

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 of 767 exceeds the 680 max credit score requirement by 87 points. CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower is only using 2.19% of current available credit lines. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived in current residence over 5 years.

436978839

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash out $201,319.45 or 65.27 monthsRequired $18,506.28 or 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  688 fico exceeds 680 mid score CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history 0x30x23 exceeds guidelines 0x30x12.

436978840

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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:  B1 has worked 7+ years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 671; Program min- 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required reserve- $12,363.18Available reserve- $21,666.39 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calc DTI- 8.88%; Program max- 50%

436978841

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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:  720 is the minimum qualifying  FICO,borrower has 757 CFCFS1736: Significant time at current residence - Clayton Comments:  Co- Borrower has been at current residence for 22 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets are $143,267.18 or 5.83 months PITI cash reserves $29,784.35

436978842

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 past 24 months CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 5% below guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 20 points above guideline minimum of 660.

436978843

XXXXXX

XXXXXX

(No Data)

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 696 exceeds guidelines 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 25.26 months exceed guidelines 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70% below guideline requirements 80%.

436331151

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 733 of the required 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $ 289,912.38, exceed guidelines $0.

436331577

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

Final CD - not all fees paid by seller are disclosed. Seller's CD in file and able to trace fees, exception is satisfied

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  The borrower documented $970,937.21 in available liquid, retirement, and investment assets - $525,933.65 funds to close = $445,003.56 remaining liquid assets  - $51,676.02 6-months reserves as required by lender guidelines = $393,327.54 remaining assets. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The middle credit score is 768 and guidelines allow a credit score of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  The LTV is 75% and guidelines allow the LTV to be 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The DTI is 20.77% and guidelines allow the DTI to be 50% CFCFS5269: Minimal use of credit - Clayton Comments:  The borrower is utilizing only 9.25% of the credit available to him.

436331577

XXXXXX

XXXXXX

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

Final CD XXX Total of Payments is disclosed as $XXX, eCLAS Total of Payments is $XXX, difference is $XX which is over the Finance Charge Tolerance of $100.  The difference is Title Endorsement fee of $200 is not hitting the APR but it is included in the Eclas Total.  Provide refund money to borrower in the amount understated, client permission, LOX and redisclosed CD; reopen rescission if the loan is rescindable.

3/24/2022 - Upon further review Lender provided the PCCD, LOX, and $148.03 refund to borrow to clear the finance charge exception. No further documentation needed for this exception.

3/24/2022 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  The borrower documented $970,937.21 in available liquid, retirement, and investment assets - $525,933.65 funds to close = $445,003.56 remaining liquid assets  - $51,676.02 6-months reserves as required by lender guidelines = $393,327.54 remaining assets. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The middle credit score is 768 and guidelines allow a credit score of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  The LTV is 75% and guidelines allow the LTV to be 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  The DTI is 20.77% and guidelines allow the DTI to be 50% CFCFS5269: Minimal use of credit - Clayton Comments:  The borrower is utilizing only 9.25% of the credit available to him.

436331578

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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:  Representative credit score 776 is > 20 more than guideline requirement CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history shows 0X30X23 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 70.73 months reserves exceeds 6 months PITIA requirement per guideline

436331578

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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:  Representative credit score 776 is > 20 more than guideline requirement CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history shows 0X30X23 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 70.73 months reserves exceeds 6 months PITIA requirement per guideline

436978848

XXXXXX

XXXXXX

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

CRDINSR848

Missing Hazard Insurance

No

Missing Hazard Insurance

3.30.2022 Received Hazard Binder for subject property.

3.30.2022 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  731 fico exceeds 700 mid score CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for 8.75 years.

436978849

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 710 of the required 620. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history of 554 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $ 690,706.72 Verified cash reserves exceed guidelines of $ 27,590.76.

436978850

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $225,813.72 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 731 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 75.00

436331581

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 743 of the required 600. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Per eligibility matrix max LTV is 80%.The loan closed with an LTV of 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $ 333,380.06 Verified cash reserves exceed guidelines of $ 32,974.08. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  131 months of 0x30 mortgage payment history.

436331583

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines Reserves of $945,648.44 with Liquid $289,689.59

436331584

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years  at current address CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 754 exceed guideline requirement of 700 with  54 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $93,917.25  or  44.95  months of P&I reserves.

436978851

XXXXXX

XXXXXX

(No Data)

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 729 is greater than 620 per Guideline CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 past 24 months CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30, 60 90 for current primary residence

436978853

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x54 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 64.30%, maximum allowed 70% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 697, minimum guideline score 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets Cash Out amount are $32,784.34 or 18.76 months of PITIA reserves Required PITIA Reserves are $1,747.74 X 3 months = $5,243.22.

436978855

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified Assets of $77,170.01 or 43.72 months exceed guideline 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 690. CFCFS1739: Postive mortgage payment history - Clayton Comments:  VOM reflects 12 months of payment history.

436331586

XXXXXX

XXXXXX

(No Data)

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 Representative Score: 703 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $44,625.26 or 64.56 months of PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 15% is below max guideline requirements

436978857

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0Available Reserves: $44,556.92 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 767; Program min- 680 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 60+ months

436978858

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70% is below required guidelines of 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified proceeds of $126,135.30, required reserves is $7100.50x6=$42,603.00 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage history for over the last 7 years

436978859

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Provide Final Closing Disclosure issued to borrower.

3.29.2022- Client Response- Provided final CD3.30.2022- Clayton Response- Provided documentation satisfies exception

3.30.2022-Exception Satisfied

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.91% DTI is below max of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at job since XXX. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for 8 years

436978862

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Compliance

RESPA

Satisfied

C

A

C

A

CMPRESPA3010

RESPA - HUD1 fees are not supported by 3rd party invoices

No

Per Settlement statement payment in the amount of $118,731.49, to XXX. Provide invoice that support not utilizing proceeds of the loan for any consumer use (personal, family, household, etc.) as prohibited by guideline. Per loan approval loan purpose cashout refinance.

4.1.2022- Client Response- Provided amended escrow instructions4.1.2022- Clayton Response- Provided documentation satisfies exception

4.1.2022-Exception Satisfied

(No Data)

Not Applicable

CFCFS5269: Minimal use of credit - Clayton Comments:  Low credit usage; 2.48%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Satisfactory payment history on other mortgaged properties. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets 63.82 Months exceed reserves (6) Months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 711 exceeds guidelines 620.

436978862

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH183

Credit report incomplete

No

Provide complete Credit report with XXX score. CR indicate XXX file locked at consumer request. Per loan approval qualifying score 731 . Per CR in file lowest of two score 711.

4.1.2022- Client Response- Provided updated full credit report4.1.2022- Clayton Response- Provided documentation satisfies exception

4.1.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS5269: Minimal use of credit - Clayton Comments:  Low credit usage; 2.48%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Satisfactory payment history on other mortgaged properties. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets 63.82 Months exceed reserves (6) Months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 711 exceeds guidelines 620.

436978862

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Credit

Title

Satisfied

C

A

C

A

CRDTIL875

Title Does Not Agree With Mortgage

No

Title is vested in XXX as to an undivided XXX, as tenants in common. The Mortgage lists XXX, as the XXX. Provide updated title supporting Deed of trust.

4.1.2022- Client Response- Provided updated title4.1.2022- Clayton Response- Provided documentation satisfies exception

4.1.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS5269: Minimal use of credit - Clayton Comments:  Low credit usage; 2.48%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Satisfactory payment history on other mortgaged properties. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets 63.82 Months exceed reserves (6) Months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 711 exceeds guidelines 620.

436331588

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS5269: Minimal use of credit - Clayton Comments:  Low credit usage, 32.59%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Satisfactory payment history on other REO's. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets: $144,767.90  (93.63) Months PITI CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 680

436331589

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  804 credit score is 124 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $46,512.04  or 14.39 months of PITIARequired PITIA Reserves are $1,008.15 x 0 months = $ 0

436978867

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 769; Program min- 660 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 30 months CFCFS5269: Minimal use of credit - Clayton Comments:  B1 has only made use of 13.31% of an available $40,100.00 credit line

436978868

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 75% which is below the required 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $131,580.58, cash to borrower at closing $131,580.58. Required reserves6months X $1,238.09 = $7,428.54. Excess reserves $124,152.04.

436331590

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (73.71%) > 10 points below guideline maximum of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 8 months reserves exceeds 0 months PITIA requirement per guideline CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 703 is > 20 more than guideline requirement

436978871

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

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

CD dated XXX discloses an APR of 6.373% and CD dated XXX sequence 1 discloses an APR of 5.125% which is an APR decrease outside of tolerance; Corrected CD required.

3.28.2022- Client Response- Provided PCCDXXX - Clayton Response - Upon further review Lender provided a PCCD dated XXX that shows APR of 5.122 that is within .125 tolerance. No further documentation needed for this exception.

3.28.2022- Exception satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  The Primary borrower has been in the same profession for 25 years. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have lived at current residence for over 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: (6) Months PITI: $6,976.20*6=$41,857.2Verified Assets: (28.55) Months PITI; $199,142.63

436978871

XXXXXX

XXXXXX

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

CMPTRID3634

TRID - Corrected Closing Disclosure required but not provided

No

CD dated XXX discloses an APR of 6.373% and CD dated XXX sequence 1 discloses an APR of 5.125% which is an APR decrease outside of tolerance; Corrected CD required.

3.28.2022- Client Response- Provided PCCDXXX Clayton Response- Upon further review Lender provided a PCCD dated XXX that shows APR of 5.122 that is within .125 tolerance. No further documentation needed for this exception.

3.28.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  The Primary borrower has been in the same profession for 25 years. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrowers have lived at current residence for over 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: (6) Months PITI: $6,976.20*6=$41,857.2Verified Assets: (28.55) Months PITI; $199,142.63

436978872

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Potential Misrepresentation

Satisfied

C

A

C

A

CRDPMR147

Review indicates possible misrepresentation

No

The input SSN was possibly randomly issued by the SSA. Provide verification of SSN to clear Risk indicator 5 High on FraudPlus

3.30.2022 Received Credit Plus SSA verification.  XXX

3.30.2022 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Fico 741 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash after closing $XXX CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No mortgage late payments in the last 24 months

436978873

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 106.71 PITI required 0 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 15 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 736 FICO exceeds the 680 required

436978874

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $200,439.39 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 681 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 65.15% below guideline requirements 80%.

436978876

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves: $34,802.36. Required Reserves: $0 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 716 exceeds guidelines 600. CFCFS5269: Minimal use of credit - Clayton Comments:  B1 only made use of 7.34% of an available $29,200.00 credit line

436331592

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  0X30, 60, 90 in past 24 month CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30, 60, 90 past 24 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets of $211,370.28, cash from borrower $29,955.77= post closing assets of $181,414.51.

436978881

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL4033

Missing Legal Document(s)

No

Missing 2nd Mortgage XXX payoff with supporting letter to document XXX is closed and frozen from future advances.

4.15.2022- Client Response- Provided XXX payoff confirmation XXX $48,605.054.15.2022- XXX Response- Provided documentation satisfies exception

4.15.2022-Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  711 VS 680 CFCFS1744: DTI below guideline requirement - Clayton Comments:  75% VS 80% CFCFS1736: Significant time at current residence - Clayton Comments:  18 YRS VS 2 YRS

436978883

XXXXXX

XXXXXX

(No Data)

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:  736 VS 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  80% VS 85% CFCFS2860: Good credit history - Clayton Comments:  7 YRS Old credit history 94% of revolving available

436978885

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Missing 1004D for completion of front fence and landscaping. As per appraiser, due to season work to be completed after closing.  Cost to cure $XXX.

3.30.2022 Received  Approved Non-XXX Exception request. Landscaping and fence unable to be completed due to seasonal weather in area; both items are considered cosmetic in nature. Borrower has more than enough in reserves to cover cost to cure

3.30.2022 Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $62,020.05 exceed guide lines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico 686 exceeds minimum score of 620. CFCFS2860: Good credit history - Clayton Comments:  Borrower has no recent late payments or public records on credit report.

436331595

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence 11 YRS CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years

436978886

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 699.  Minimum score is 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 75%.  Max is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 35 months exceed guidelines 6 months.

436978887

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower is 0*30 mortgage history past 25 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico is 740 CFCFS2860: Good credit history - Clayton Comments:  Borrower is 1*30 in past 274 months consumer credit history

436978888

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

C

A

C

A

C

A

C

A

C

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  0x30 60, 90 past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 769 exceeds guideline CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30, 60. 90 past 12 months on Mortgage

436978888

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

C

A

C

A

C

A

C

A

C

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3552

TRID - Loan Estimate not timely

No

Application Date XXX, missing initial LE disclosed to borrower within 3 business days of application date.

4.7.2022- Client Response- Provided LOE and app delivered to client on XXX4.7.2022- Clayton Response- Provided documentation satisfies exception

4.7.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  0x30 60, 90 past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 769 exceeds guideline CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30, 60. 90 past 12 months on Mortgage

436978888

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

C

A

C

A

C

A

C

A

C

A

C

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing Bank Statement for XXX.  Note: 12 month bank statement program XXX in file.

4.2.2022- Client Response- Provided XXX bank statement4.2.2022- Clayton Response- Provided documentation satisfies exception

4.2.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  0x30 60, 90 past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 769 exceeds guideline CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30, 60. 90 past 12 months on Mortgage

436978888

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

C

A

C

A

C

A

C

A

C

A

C

A

Property Valuations

Appraisal

Satisfied

C

A

C

A

PRVAAPPR4463

UCDP -  File is missing evidence that appraisal report was successfully submitted to UCDP

No

Missing UCDP

4.4.2022- Client Provided- UCDP4.4.2022-Clayton Response- Provided UCDP satisfies exception

4.4.2022-Exception Satisfied

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  0x30 60, 90 past 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 769 exceeds guideline CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30, 60. 90 past 12 months on Mortgage

436978891

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

DTI

Active

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

Calc DSCR- 0.73; Minimum DSCR allowed per guideline- 0.75

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS5269: Minimal use of credit - Clayton Comments:  B1 has only made use of 23.51% of an available $154,300.00 credit line CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $10,272.79= $61,636.74Available Reserves: $493,891.40 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 665; Program min- 640 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 62.50%; Program max- 75%

436978893

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Credit

Title

Satisfied

C

A

C

A

CRDTIL875

Title Does Not Agree With Mortgage

No

Updated Title Commitment with the correct vesting, as of XXX, is not in the file.

3.30.2022- Client Response- Provided updated title3.30.2022- Clayton Response- Provided documentation satisfies exception

3.30.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has been at current residence for 11 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Satisfactory payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets: $166,469.39 (85.03) Months PITI

436978893

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR4775

Missing Market Rent Analysis

No

1007 is not in the file.

4.26.2002 Received Market Rent form 1007

4.26.2022 Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has been at current residence for 11 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Satisfactory payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets: $166,469.39 (85.03) Months PITI

436978895

XXXXXX

XXXXXX

(No Data)

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:  Qual score- 765; Program min- 660 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 60+ months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $1,528.68= $9,172.08Available Reserves: $179,174.36

436331597

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 36+ months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 761; Program min- 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0Available Reserves: $237,981.93

436978898

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets after closing 142.79 mos PITI, Cash reserves $293,514.30 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a Fico score of 726 which exceeds the 680 guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 80% guideline require 85%

436978899

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  CPA letter, confirms applicants been XXX for 4 years XXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash back at closing $482,342.62 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No lates

436331598

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 13.61 months ITIA exceeds guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower's credit usage is .064

436978900

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 48 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 730; Program min- 660

436331600

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  63.81% LTV below guideline requirement of 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 725 of the required 600. CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower credit usage ratio is 1.92%.

436331601

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  The LTV is 69.44% and guidelines allow the LTV to be 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The middle credit score is 778 and guidelines allow a credit score of 680 CFCFS5269: Minimal use of credit - Clayton Comments:  The borrower is utilizing 3.28% of the credit available to her.

436331602

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 20+ years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 785 is 105 points  higher than required score of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  assets of $213,493.92 minus cash from borrower at closing of $XXX

436978903

XXXXXX

XXXXXX

(No Data)

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 684 exceeds guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 73% below guideline requirements 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 10.18 months exceed guidelines 6 months.

436978904

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets after closing 38.84 mos. PITI, Cash Reserves $56940.44 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 16 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is below required guidelines of 80%

436331207

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 53.33 is below lender's guide line maximum 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico score 709 exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $36,628.73 exceeds guide lines.

436978905

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower is only using 15.31% of current available credit lines. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 80% is 5% below maximum LTV guideline of 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 709 exceeds the 680 credit score requirement by 29 points.

436331603

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC225

Missing Rider

No

Provide Exhbit B-PUD rider.

3.16.2022- Client Response- Provided Exhibit B PUD Rider3.16.2022- Clayton Response- Provided documentation satisfies exception

3.16.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 48.84% below guideline requirements 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 778 exceeds guidelines 680. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years

436331603

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Provide Master insurance policy binder with sufficient coverage for the subject property. Received H06 with coverage for $XXX

3.24.2022- Client Response- Provided condo declaration page3.24.2022- Clayton Response- Provided documentation satisfies exception

3.24.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 48.84% below guideline requirements 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 778 exceeds guidelines 680. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years

436978907

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 706.  Minimum score is 680. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Mortgage history is 0x30. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are over 900 months.

436978908

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  The guarantors have 0x30 derogatory account history per credit report dated XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO: 752, NONI Matrix Min: 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of$83,687.08, Cash-To-Close; $28,308.58, Net Reserves = $55,378.50 (exceed investor requirement even if 6 months -- $840*6=$5,040 -- were required for transaction type).

436978909

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 52.343 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 717 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history - 0 lates

436978910

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower is only using 1.00% of current available credit lines. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV Below: LTV is 80% is 5% below maximum LTV guideline of 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 747 exceeds the 680 credit score requirement by 67 points.

436978911

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $39,186.18  or 19.05 months of P&I reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  699 mid-score per CBR.

436978912

XXXXXX

XXXXXX

(No Data)

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 709 exceeds guidelines 620. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 80% below guideline requirements 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 23 months exceed guidelines 0 months.

436978913

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing Cash Out Letter

3.30.2022 Received cash out letter reflected on Borrower Certification of Business Purpose.

3.30.2022 Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current primary residence for 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 706 is greater than 680 per gudieline CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30, 60, 90 past 24 months CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 past 24 months

436978914

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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 19.4 months exceed guidelines 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 687 exceeds guidelines 600. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 24% below guideline requirement 43%. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in profession for 8 years and Co-Borrower 12 years.

436978916

XXXXXX

XXXXXX

(No Data)

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:  Qualifying score- 704; Program min- 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 0 months Available Reserves: $40,773.83 CFCFS5269: Minimal use of credit - Clayton Comments:  B1 has only made use of 1.5% of an available $6,500.00 Credit Line

436331606

XXXXXX

XXXXXX

(No Data)

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:  Borrowers qualifying credit of 704 exceed guideline requirement of 700 with  4 points. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years  at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $101,590.92  or 52.14  months of P&I reserves.

436331607

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 41 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 704; Program min- 680 CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower only made use of 8.96% of an available $46,000.00 credit line

436978917

XXXXXX

XXXXXX

(No Data)

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 798 exceeds guidelines 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 74.76 months exceed guidelines 6 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history 30 months exceeds guidelines 12 months.

436978918

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  7 yrs vs 2 yrs CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  788 VS 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% vs 80%

436978919

XXXXXX

XXXXXX

(No Data)

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:  719 VS 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% VS 85% CFCFS1736: Significant time at current residence - Clayton Comments:  11 YRS VS 2 YRS

436978921

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  5 yrs vs 2 yrs CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  675 vs 660 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has owned company for 7 years

436331220

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 779 of the required 620. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is below guideline requirement of 80%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history of 266 months.

436978923

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 30+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 706; Program min- 680 CFCFS5269: Minimal use of credit - Clayton Comments:  B1 has only made use of 0.90% of an available $68,905.00 credit line

436978924

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is below required of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 706 exceeds minimum score required of 680 by 26 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets of $977,830.98 Minus cash from the borrower at closing of  $30,040.58  EMD unable to verify clearing $1000.00  leaves $946,790.40 exceeding the Required Reserves of = $0.00

436978925

XXXXXX

XXXXXX

(No Data)

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 764, minimum guideline score 680 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 14 years at current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 24 years at current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years and 6 months at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets amount are $119,493.16 or 26.83 months of PITIA reserves Required PITIA Reserves are $4,454.20 X 6 months = $26,725.20.

436978928

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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 701.  Minimum score is 680. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years on job. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history is 0x30 for 36 months reviewed.

436978929

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $179,370.39 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 68.613%

436978930

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 79.988 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $177,012.90 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 790

436331226

XXXXXX

XXXXXX

(No Data)

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:  733 VS 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% VS 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves: $227,857.25; Required reserves: $9,999.72

436978931

XXXXXX

XXXXXX

(No Data)

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:  814 VS 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  64% VS 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $ $506,316.87 ; Required reserves: 8,851.56

436978933

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 37 years  at current address CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65 % below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 812 exceed  guideline requirement of 700 with  112 points.

436331232

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 60+ months CFCFS5269: Minimal use of credit - Clayton Comments:  B1 only made use of 16.39% of available $37,800.00 credit line CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 60+ months

436978935

XXXXXX

XXXXXX

(No Data)

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:  799 vs 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  65% vs 80% CFCFS1736: Significant time at current residence - Clayton Comments:  25 yrs vs 2 yrs

436978937

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has reserves of $65,i104.13 required of $0 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at his residents for 29 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 795 exceeds the required 680

436331236

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $2,355,039.49 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 769 CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 12 yrs

436978939

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has 102.73 months PITI reserves to 0 required CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 713 FICO exceeds required 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has no derogatory payment history

436978941

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  20 YRS VS 2 YRS CFCFS1744: DTI below guideline requirement - Clayton Comments:  70% VS 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $100,496.22; Required reserves: $4.904.03

436978942

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $747.33= $4,483.98Available Reserves: $21,841.54 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 70%; Program max- 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 685; Program min- 660

436978943

XXXXXX

XXXXXX

(No Data)

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:  Qual score- 784; Program min- 660 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 48 months CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has only made use of 10.95% of an available $8,000.00 credit line CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $66,969.82

436978944

XXXXXX

XXXXXX

(No Data)

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:  Borrowers qualifying credit of 738  exceed  guideline requirement of 700 with  38 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  :orrower's post close Assets are $264,252.43  or  178.75 months of P&I reserves

436331245

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

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

3.30.2022- Client Response- Provided desk review with value of $XXX3.30.2022-Clayton Response- Provided documentation satisfies exception

3.30.2022= Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  743 FICO exceeds the guideline minimum requirement of 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have occupied the primary residence for more than 17 years. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower's primary residence mtg has been rated for more than 99 months with no derogatory events reported.

436978945

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $129,767.37 CFCFS5269: Minimal use of credit - Clayton Comments:  B1 has only made 23.24% of an available $49,500.00 credit line CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 682; Program min- 660

436978946

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI effective date XXXHUD/NOTE date XXX

4.13.2022- Client Response- ROR date, insurance enforce before funding4.13.2022- Clayton Response- Provided documentation satisfies exception

4.13.2022- Exception Satisfied

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets after closing 22.36 mos PITI, Cash Reserves $131,374.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 717 which exceeds 680 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at her address for 14 years

436978947

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower is 0*30 mortgage history in past 25 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico is 758 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  borrower is 0*30 consumer credit in past 25 months

436978948

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets after closing 117.64 months PITIA Cash reserves of $357,061.77 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  680 is the minimum qualifying FICO borrower has 709. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 80% guidelines require up to 85%

436978949

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 15 years  at current address 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:  Borrowers post close assets are $859,932.37  or 195.48 months PITI

436978955

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $40,744.33 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 48+ months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 48+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 756; Program min- 660

436978956

XXXXXX

XXXXXX

(No Data)

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:  High Credit 756 Guidelines allow 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV/HLTV 80 % Guidelines allow 85 % CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 23,857 as 9.17 months PITIA Guidelines require 0 months

436978957

XXXXXX

XXXXXX

(No Data)

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:  Qualifying credit of 739 exceeds minim score of 680 by 59 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets of $260,191.85 minus cash from borrower at closing of $XXX CFCFS2860: Good credit history - Clayton Comments:  borrower has good credit history with no reported late payments reported

436978958

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $114,300.62 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 706 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history - 0 LATES

436978961

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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:  776 VS 660 CFCFS1744: DTI below guideline requirement - Clayton Comments:  38% VS 50% CFCFS2854: Significant time in profession - Clayton Comments:  10.7 yrs vs 2 yrs

436331252

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:  Verified: $341,791.62 - $166,566.00 = $341,791.62 remaining assets = 98.36 months reserves CFCFS5269: Minimal use of credit - Clayton Comments:  The borrower is utilizing 0.84% of the credit available CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The middle credit score is 790 and guidelines allow a score of 680

436978963

XXXXXX

XXXXXX

(No Data)

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:  Fico 711 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 67.50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash back at closing $30,918.40 or 28.25 PITIA

436978965

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $382,274.72 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 683 CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings - Per comps, uptick in rental market.

436978966

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% VS 80% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Established XXX; 90% of revolving credit available CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 683

436978970

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $54,198.65 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 774; Program min- 660 CFCFS5269: Minimal use of credit - Clayton Comments:  B1 has only made use of 2.19% of an available $46,700.00 credit line

436978971

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at his residence 15 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  680 is the minimum qualifying FICO, borrower has a 770 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets of $150,244.28 cash from borrower at closing. $0.00 reserves is needed

436978982

XXXXXX

XXXXXX

(No Data)

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:  718 vs 680 CFCFS1744: DTI below guideline requirement - Clayton Comments:  75% vs 80% CFCFS1736: Significant time at current residence - Clayton Comments:  15 yrs vs 2 yrs

436978984

XXXXXX

XXXXXX

(No Data)

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 of 691 exceed minimum of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% exceed maximum of 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves of 119.93 exceed required of 6 months..

436978986

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS5269: Minimal use of credit - Clayton Comments:  Low Credit usage; 12.09%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Satisfactory payment history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets:  $66,353.80 (6.94) Months PITI

436978989

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

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:  674 FICO exceeds guideline ,in required 660. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower mortgage history was reviewed for 27 months wit no derogatory events reporting CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at his residents for 5 years

436978991

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  The borrower has no derogatory accounts per credit report dated XXX. CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has over seven years in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO: 717, NON-QHEM Min: 680.

436978993

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $513,044.31  or  138.91 months PITI CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 688 exceed guideline requirement of 600 with 88 points CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 16 years  at current address

436978994

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing Lender Loan approval and/or 1008.

3.30.2022- Client Response- Provided loan approval3.30.2022- Clayton Response- Provided documentation satisfies exception

3.30.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  borrower credit score of 701 exceed the minimum score of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower remaining $48,348.23 reserves exceeds the $0 required CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower was reviewed for 33 moths with no derogatory history

436978996

XXXXXX

XXXXXX

(No Data)

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 of 756 exceeds the Program Guidelines of 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 8 years at the current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has  85 months PITI reserves

436978998

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower 22.51 Months PITI exceeds the required 6 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at residents for 19 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 699 FICO exceeds the 680 required

436979002

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $2,236.62= $13,419.72Available Reserves: $78,662.01 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 771; Program min- 680 CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower only made use of 7.10% of an available $163,551.00 credit line

436979004

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1750: High potential for increased earnings - Clayton Comments:  The borrower has only owned the XXX for three years and makes $58,878.00 monthly, business should continue to thrive based on the documentation provided. CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has seven years in current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO: 685, NON-QHEM Min (Loan amount under/or equal to $XXX);660

436979009

XXXXXX

XXXXXX

(No Data)

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:  Borrowers qualifying credit of 797 exceed guideline requirement of 600 with 197  points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75 % below maximum of 85% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 19 years  at current address

436979014

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $4,072.19= $24,433.14Available Reserves: $559,345.43 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 65%; Program max- 75% (for Cashout > $XXX) CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 711; Program min- 660

436979015

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $391,852.66 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 701 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines - 0 LATES

436979023

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves in file are 24.47. 6 months required CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower is 0*30 mortgage lates for at least 25 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower is 0*30 consumer credit history for 169 months

436979026

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 41.698% below guideline requirements 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 823 exceeds guidelines 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 158.18 months exceed guidelines 6 months,

436979029

XXXXXX

XXXXXX

(No Data)

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:  823 vs 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  39% vs 80% CFCFS1736: Significant time at current residence - Clayton Comments:  8 yrs vs 2 yrs

436979030

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $1,972.25= $11,833.50Available Reserves: $237,702.22 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 32.78%; Program max- 80% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0x30 for 60+ months

436480468

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

Compliance

Documentation

Satisfied

C

A

C

A

CMPDOC101

Unresolved title issue

No

LNJDG2 - POTENTIAL CREDIT RISK Borrower(s) may have had a judgment or lien 25 month(s) prior to the loanapplication date. Participant(s) identified: Borrower 1 Review release date to determine compliance with your internal underwriting guidelines and secondary marketrequirements. Obtain a letter of explanation for lien or judgment filing and proof of satisfaction in accordance with your internalguidelines.FraudGuard  XXX

2.10.2022- Client responded-  XXX Please see attached Final Title Policy and Updated Fraud Report pulled for another loan with XXX which show No liens or judgements for borrower. This should be sufficient to satisfy this exception. 2.10.2022- Upon further review, title and Fraud report does not show any active Liens or Judgements.  Nothing further is needed and exception has been satisfied.

2.10.2022- Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Very low LTV, 36.31% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Excellent fico, 779 CFCFS1745: Significant total monthly debt reduction - Clayton Comments:  Cash back at closing $XXX

436480468

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

Credit

Application

Satisfied

C

A

C

A

CRDAPP2414

Potential identity theft

No

IDENTITY4 - POTENTIAL IDENTITY ISSUE - The borrower(s) name MAY NOT be the name that best matches theSSN. There are other names associated to the submitted Social Security Number with at least three verifyingsources. View trace data on the BORROWER'S INFO tab to identify mismatched names and if the variances can bejustified. Determine if the mismatched names are disclosed on the name affidavit. Verify that the Social Security Number belongs to the borrower(s) through a Social Security AdministrationValidation, select the SSV option, available from the navigation bar on the right hand side of the screen, underOther FraudGUARD Tools.Matched DetailsBorrower Name Verifying Sources Other Names Verifying SourcesXXX

2.10.2022- Client responded-  XXX Please see Social Security Card for borrower to verify her identity. This should be sufficient to satisfy this exception. 2.10.2022- Upon further review, client has provided a copy of borrowers SS card and is suffice to clear this exception

2.10.2022- Exception has been satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Very low LTV, 36.31% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Excellent fico, 779 CFCFS1745: Significant total monthly debt reduction - Clayton Comments:  Cash back at closing $XXX

436480469

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $142,411.69 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 70.00% CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 10 years

436480470

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Title

Satisfied

C

A

C

A

CRDTIL875

Title Does Not Agree With Mortgage

No

Title commitment number XXXTitle to the estate or interest in the land described or referred to in this commitment is fee simple: XXXPlease provide updated title commitment to reflect:XXX

2.2.2022-Clients response Please see the updated closing protection letter .. Please clear the condition 2.2.2022-Upon further review the Closing Protection Letter shows the borrower as XXX Exception satisfied.

2.2.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico 797 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 62.45% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Fumds to borrower at closing $XXX

436480471

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 4 years CFCFS2860: Good credit history - Clayton Comments:  All open accounts are current CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO of 678 is above guideline requirement of 660 for this program

436480472

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 740 CFCFS2860: Good credit history - Clayton Comments:  All open accounts are current

436445194

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 71 max LTV 75 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 13 years at current residence CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA

436445195

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2420

Missing HUD-1 (Final and Estimated)

No

HUD 1 is missing please provide the final, signed HUD1

3.2.2022-Clients response Please see the attached Hud 1 . Please clear the exception.3.2.2022-Upon further review the Final HUD 1 has been reviewed and accepted.  Exception satisfied.

3.2.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has Lived at current residence for 7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV is XXXMax LTV Allowable per Guideline 80%

436480473

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - PCHUD $96,485.37 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement - 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 755

436445197

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Application

Satisfied

C

A

C

A

CRDAPP4625

The orig file does not contain a third party fraud report

No

Missing the third party fraud report.

2.16.2022-Clients response Please see the attached 3rd party fraud report. Please clear the condition.2.16.2022-Upon further review the Fraud Report has been received and reviewed.  Exception satisfied.

2.16.2022-Exception satisfied.

Not Applicable

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 6.2 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 715; guideline minimum is 640. CFCFS2860: Good credit history - Clayton Comments:  Borrower has had 0x30 for more than 24 months on the credit history.

436445199

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Title

Satisfied

D

A

D

A

CRDTIL796

Missing Title

No

Provide Title policy

2.28.2022-Clients response Please see attached Title Policy. This should be sufficient to clear this condition.2.28.2022-Upon further review the Final Title Policy has been reviewed and is sufficient to satisfy the exception.

2.28.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have been at current residence for over 6 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.87% is below guideline requirement of 80%. CFCFS3824: Borrower contributed an additional down payment - Clayton Comments:  Borrower put more than 20% down

436445200

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Application

Satisfied

C

A

C

A

CRDAPP4625

The orig file does not contain a third party fraud report

No

Fraud report required and missing from file

2.16.2022-Clients response lease see the attached 3rd party fraud report. Please clear the condition. 2.16.2022-Upon further the Fraud Report has been received and reviewed.  Exception satisfied.

2.16.2022-Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 56% max LTV 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  727 qualifying credit score CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity

436480482

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Application

Satisfied

C

A

C

A

CRDAPP4625

The orig file does not contain a third party fraud report

No

Fraud report required and missing from file

2.23.2022 Client responded -  Please see attached Full XXX report. There were no findings. This should satisfy this condition.2.23.2022  Upon further review client sent a CLEAR XXX report.  Exception satisfied

2.23.2020  Exception satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 62% max LTV 75% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  no derogatory mortgage history past 24 months CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITI

436720248

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Provide LOE per the Lender approval explaining XXX is a member with XXX  ownership.  XXX signed the Note and Deed of Trust, however the Personal Guarantee was not signed.  Guidelines require a Personal Guarantee with XXX% ownership or submitting an application for the loan. LLC documents in file show her as XXX owner.  Her application is not in file.

3.17.2022 Clients response XXXPlease see the attached Operating Agreement per our guidelines a personal guaranty is required if the co bwr has 25% interest .. she only has 10% so therefore one is not needed. Please clear the exception.3.17.2022-Clayton's response the LLC Operating agreement has been reviewed and accepted; however the underwriter requested a letter of explanation as to why she signed the Note and the Mortgage, this has not been received.  Exception remains.  3.18.2022 Client responded - The loan closed in the business name and even though she is only XXX and therefore she signed the note and dot. please clear the exception. 3.18.2022  Upon further review Lender approval all parties owning at least XXX of the entity must sign a personal guarantee.  XXX only owns XXX of LLC and no application was submitted.  No further action is required.  Exception is satisfied.

3.17.2022-Exception remains.3.18.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 672. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for over 2 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436480486

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 71.40% below guideline requirement of 75% for this program CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 12 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  cash back from refinance exceeds reserves requirement

436720251

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC869

Mortgage not signed

No

Mortgage is not signed. Please provide signed copy.

3.11.2022-Clients response:XXX, 7:06:20 pmAttached is the complete signed Mortgage with riders3.11.2022 Clayton's response:Upon further review of the signed mortgage it is sufficient to clear the exception.  Exception cleared.

3.11.2022-Exception cleared.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  The Borrower has resided at the current residence for 13.3 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves in the amount of $91,885.32. CFCFS1752: No Verified Compensating Factors - Clayton Comments:  No additional Compensating Factors identified.

436720251

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2277

Note Not Executed

No

Note is not signed. Please provide signed copy.

3.11.2022 Clients Response:XXX, 7:16:11 pmAttached is the complete note with riders. Please clear this exception. 3.11.2022-Clayton's response:Upon further review the signed Note has been reviewed and is sufficient to satisfy the exception. Exception satisfied.

3.11.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  The Borrower has resided at the current residence for 13.3 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves in the amount of $91,885.32. CFCFS1752: No Verified Compensating Factors - Clayton Comments:  No additional Compensating Factors identified.

436445205

XXXXXX

XXXXXX

(No Data)

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:  722 qualifying credit score CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No derogatory mortgage past 24 months CFCFS3836: Borrower Net Worth - Clayton Comments:  borrower has over 6 months reserves in PITI

436445206

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 719. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for over 2 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436720252

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $134,931.75 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 771 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history - 0 lates

436480489

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings - Comps yield uptick in earnings for property. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements

436480491

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 7 years CFCFS2860: Good credit history - Clayton Comments:  All open accounts are current CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 785

436480494

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 794. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 5 years. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good Credit history with no Derogatory account.

436480496

XXXXXX

XXXXXX

(No Data)

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:  748 qualifying credit score CFCFS1736: Significant time at current residence - Clayton Comments:  borrower has 21 years at current residence CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  borrower owns another property with over 10% in equity

436480497

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 51.02% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 732/695 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of $272K, 112,03 months of property PITIA

436445214

XXXXXX

XXXXXX

(No Data)

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:  Fico 733 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves after closing $84,410.99, 26.85 months of PITIA CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment on subject property reflects 0 x 30 since ownership

436480500

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines

436445215

XXXXXX

XXXXXX

(No Data)

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:  Borrowers credit score is 767; guideline maximum is 640. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 64.23; guideline maximum is 75%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 4.6 years.

436480503

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines CFCFS2860: Good credit history - Clayton Comments:  Good credit history

436445221

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR2400

Missing Flood Certification Document

No

Missing Flood Certification.

3.2.2022-Clients response Please see the attached Flood Cert please clear the condition. 3.2.2022-Upon further review the Flood Certification has been received and sufficient to clear the exception.  Exception satisfied.

3.2.2022-Excpetion satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX; guideline maximum is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 787; guideline minimum is 660. CFCFS2860: Good credit history - Clayton Comments:  Borrower credit history has had 0x30 for more than 24 months.

436445221

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL1819

Estimated HUD-1 in File, Missing Final HUD-1

No

Missing Final HUD statement; estimated HUD dated XXX in file.

3.2.2022-Clients response Please see the attached Final Hud 1. Please clear the condition.3.2.2022-Upon further review the Final HUD1 has been reviewed and is sufficient to clear the exception.  Exception satisfied.

3.2.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is XXX; guideline maximum is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 787; guideline minimum is 660. CFCFS2860: Good credit history - Clayton Comments:  Borrower credit history has had 0x30 for more than 24 months.

436720255

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 783. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good Credit History with no Derogatory account. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445223

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 2 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 67.98% is below guideline requirement of 75% for this program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 731

436445224

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months in PITI CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  720 qualifying credit score CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  no derogatory mortgage past 24 months CFCFS1736: Significant time at current residence - Clayton Comments:  10 yrs at current residence

436445226

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 710; guideline maximum is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 2 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has had 0x30 for more than 24 months on the credit history.

436445228

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Underwriting approval sheet, docs-out status reflects DSCRHowever, this is also a XXX loan and XXX should be reflected on underwriting approval.  Please provide update approval.

2.16.2022-Clients response Please see the attached approval for XXX we do not verify income, which shows n/a on the approval and bwrs address clearly shows a XXX and this is an investment property as well it was stiped for the correct documentation. Please clear the condition. 2.16.2022-Upon further review the Loan Approval has been received and accepted.  Exception satisfied.

2.16.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  CAsh back at closing $XXX CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower owned property free and clear prior to cash out refinance. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has established LLC for 2 years

436720256

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 40 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% is below guideline requirement of 80% for this program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO score is 680

436445230

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Lender approval (docs-out) document type is DSCRBorrower is XXXPlease provided updated lender approval sheet reflecting XXX/dscr

2.16.2022- Client responded-Please see the attached approval for XXX we do not verify income, which shows n/a on the approval and bwrs address clearly shows a XXX and this is an investment property and was conditioned correctly. Please clear the condition. 2.16.2022- Upon further review client uploaded loan approval worksheet reflecting information needed, this is sufficient and exception can be satisfied.

2.16.2022- Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 15 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been XXX for 30 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has cash reserves in the amount of $154,180.01.

436480514

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $102,157.65 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 726 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 59.11%

436445233

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

N/A

N/A

C

A

C

A

A

A

N/A

N/A

Credit

LTV/CLTV

Satisfied

C

A

C

A

CRDLTV3024

LTV Exceeds Guideline Requirement by less than 5%

No

LTV of 76.50% is greater than 75% allowed per guidelines.  Provide Mortgage Pricing Option with loan exception of LTV or discount points financed.  HUD does not show discount points.

2.25.2022  Client responded - Please see the attached pricing sheet showing points paid. Please clear the condition.2.25.2022  Upon further review client sent Mortgage Pricing Option showing 2% discount points financed.  This allowed per guidelines.  Exception Satisfied.

2.25.2022  Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 23 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 722 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgages on credit has at least 42 months of non-late payments

436445234

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Title

Satisfied

D

A

D

A

CRDTIL865

Title incomplete

No

Tax Amount cant be determined from title.

2.22.22 Client responded - Please see the attached Tax info. Please clear the exception.2.22.22  Upon further review client sent in Property Tax Certificate for subject property totaling $XXX.  No further action is required.  Exception satisfied

2.22.22  Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 722. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has Lived at Current Residence for 23 years. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good Credit History with np Derogatory account.

436480518

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70 max LTV 80 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  732 qualifying credit score CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No derogatory mortgage past 24 months

436480520

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 10+ years

436445238

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Effective date is XXX, closing date is XXX

3.9.2022  Client responded -After reviewing the file, we determined that the effective date of XXX is the same as the closing date XXX and therefore still in compliance. The closing date is NOT XXX. Please clear the exception.  3.9.2022  Upon further review The Borrowers Final Closing Statement is dated Closing Date: XXX.  The Note, Deed of Trust, are signed by borrower dated XXX.  Hazard Insurance Declaration in file has effective date of XXX through XXX,  No further action is required  Exception is satisfied.

3.9.2022  Exception satisfied.

Not Applicable

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for a year and a half CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV  of 62.50% below guideline requirement of 80% for this program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 734

436445238

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Title

Satisfied

D

B

D

B

CRDTIL796

Missing Title

No

Title wasn't uploaded to file

3.8.2022-Cllients response Attached is the preliminary title report for this file. Please clear the exception. 3.8.2022-Upon further review the title commitment has been reviewed and acceptable.  Exception satisfied.3.8.2022-Clients response Can you please raise the rating to reflect the satisfied condition.3.8.2022-The grade has been updated to reflect the title received.3.9.2022 Grade was changed.

3.8.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for a year and a half CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV  of 62.50% below guideline requirement of 80% for this program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 734

436480525

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Insurance was effective XXX  Need insurance declaration page that shows insurance good for 12 months or an explanation for why it is effective for only a month.

2.4.2022-Clients response Please see the attached policy which shows the effective dates from XXX which is highlighted in yellow for the property. Please clear the condition.2.4.2022-Upon further review the insurance effective date is XXX.  Exception satisfied.

2.4.2022-Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  728 qualifying credit score CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No derogatory mortgage past 24 months CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns mortgage free property with over 10% in equity

436445239

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 716. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 5 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436480526

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements

436480531

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings - Comps show up tick in subject's market.

436445245

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $133,535.24 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 56.10 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 783

436445246

XXXXXX

XXXXXX

(No Data)

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:  774 qualifying credit score CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 65% max LTV 75% CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrowers own another property with over 10% in equity

436445257

XXXXXX

XXXXXX

(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

CRDAPP5430

FNMA Application Form is Outdated

No

Please provide the co-borrowers loan application and a credit report for this borrower.

(No Data)

2.16.2022-Clients response There was no secondary borrower on this loan. The other signer on the Personal Guaranty, Note and Mortgage is the other Authorized Signer for the business that is the borrower for the loan. Since there is no secondary borrower, we did not need a credit report. And the authorized signer is not required to have a credit report pulled. Please clear the exception. 2.16.2022-Upon further review the second Loan Guarantor does not need a credit report.  Exception Satisfied.3.29.2022  System Updated.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 718. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 4 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436480539

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 70% CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings - Uptick in market rental value. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - 80k

436480540

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV XXXMAX Allowablt LTV :80 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per Credit Report, Borrower doesn't have any major Mortgage related Occurrence.

436445259

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Property Valuations

Property

Satisfied

C

A

C

A

PRVAPROP179

Condition of Subject Below Average

No

Appraisal reflects the property is in fair condition which is not acceptable under XXX guidelines.  If the condition was improved due to the repairs being completed we need a statement from appraiser to support.

2.25.2022  Client responded - Please see the attached 1004D showing certificate of completion; the repairs being completed 2.25.2022  Upon further review client sent form 1004D showing repairs have been completed. Property is acceptable.  Exception satisfied.

Updated condition on the appraisal report.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 73, max LTV 75 CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has 6 months reserves in PITI CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No derogatory mortgage history past 24 years

436480542

XXXXXX

XXXXXX

(No Data)

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:  792 qualifying credit score CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITI CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns mortgage free properties with over 10% in equity

436480544

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $386,921.38 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 68.62% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 808

436445262

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

D

A

N/A

N/A

D

A

D

A

D

A

N/A

N/A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL1819

Estimated HUD-1 in File, Missing Final HUD-1

No

Missing Final HUD-1. Please provide a copy of the Final HUD-1 along with an LOX and verification Final HUD-1 was sent to borrower.

2.17.2022-Clients response Please see the attached Final Hud 1 along w/ the Fed X label showing the Hud 1 was sent to the borrower. Please clear the condition. 2.17.2022-Upon further review the final HUD1 has been reviewed with the overnight label to the borrowers. Exception satisfied.

2.17.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 790. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 8 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445262

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

D

A

N/A

N/A

D

A

D

A

D

A

N/A

N/A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR101

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

No

Appraisal pages are incomplete , it wasn't fully uploaded.

2.17.2022-Clients response Please see the attached appraisal showing map and layout. Please clear the condition.2.17.2022-Upon further review the appraisal with all of the pages has been received and reviewed. Exception satisfied.

2.17.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 790. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 8 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436480548

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

N/A

N/A

C

A

C

A

A

A

N/A

N/A

Credit

Title

Satisfied

C

A

C

A

CRDTIL875

Title Does Not Agree With Mortgage

No

Title commitment NO: XXX is seller or propertyPlease provided updated title commitment with XXX s he vested interested party

2.2.2022-Clients response Please see the attached updated title commitment . Please clear the condition. 2.2.2022-Upon further response the title commitment has been received and accepted.  Exception satisfied.

2.2.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median fico  797 CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No mortgage occurrences in the past 2 years CFCFS2860: Good credit history - Clayton Comments:  Excellent credit history with a median fico of 797

436445263

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 15 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV :XXXMax LTV Allowable per Guideline:80%

436445264

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Address for 15 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV: 60%MAX LTV Allowable :75%

436445265

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are in the amount of $262,375.81; Subject PITI is $1982.89; 132.31 months reserves. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 15.5 years. CFCFS1752: No Verified Compensating Factors - Clayton Comments:  No additional Verifiable comp factors found.

436480554

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 3 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV: 70%MAX LTV Allowable per Guideline: 80%

436480557

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 785. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 14 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment History.

436480558

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines CFCFS3824: Borrower contributed an additional down payment - Clayton Comments:  Borrower contributed an additional down payment of $86,586.08

436480561

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 761. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good Credit History. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436480565

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 709. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit History.

436445270

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 722. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 29 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good Credit History.

436445271

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 726. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good credit history.

436480569

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR101

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

No

The Appraisal dated XXX; the top of all pages have been cut off.  Provide Legible Appraisal.

2.22.22 Client responded Please see the attached full appraisal. Please clear the condition.2.22.22 Exception remains did not receive updated Appraisal.2.22.22  Upon further review client sent in full appraisal.  No further action required. Exception satisfied.

2.22.22  Exception remains2.22.22 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 692; guideline minimum is 640. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves in the amount of $127,764.94. CFCFS2860: Good credit history - Clayton Comments:  The Borrower has had 0x30 for more than 24 months.

436480569

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Property

Satisfied

C

A

C

A

PRVAPROP871

Property Location unacceptable under guidelines

No

Zoning legal-nonconforming A one-to-four (1-4) unit property that represents a legal, but non-conforming use of the land must include the appraisers analysis regarding any adverse effect(s) that the non-conforming use has on the propertys value and marketability and comment on the highest and best use. A 100% rebuild letter from the local municipality is required. For a unit located in a condominium or attached PUD project the rebuild letter must indicate that the project may be rebuilt to its current use and density with no restrictions.Properties with interim use or a highest and best other than residential are not acceptable. A 100% rebuild letter from the local municipality is required

2.22.22  Client responded - Please see the attached appraisal page 1 where it clearly states on page 1 The subject pre-existed current zoning and is legally non-conforming. If destroyed, it can be rebuilt to its non existing non-conformality. Please clear the condition. 2.22.22  Upon further review page 1 of appraisal state the "SUBJECT pre-existed current zoning and is legally non-conforming.  If destroyed, it can be rebuilt to its existing non-conformity."  No further action is required.  Exception satisfied.

2.22.22  Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 692; guideline minimum is 640. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves in the amount of $127,764.94. CFCFS2860: Good credit history - Clayton Comments:  The Borrower has had 0x30 for more than 24 months.

436445275

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 786. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good Credit history with no derogatory account. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445276

XXXXXX

XXXXXX

(No Data)

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:  786 qualifying credit score CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% equity CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA

436445277

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 786. CFCFS2860: Good credit history - Clayton Comments:  Per Credit , Borrower has a good Credit History with no derogatory account. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment History.

436445281

XXXXXX

XXXXXX

(No Data)

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:  Borrowers credit score is 779; guideline minimum is 640. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 42.11%; guideline maximum is 75%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided at the previous home for 4 years.

436480585

XXXXXX

XXXXXX

(No Data)

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:  776 qualifying credit score CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months of reserves in PITI

436445284

XXXXXX

XXXXXX

(No Data)

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:  704 qualifying credit score CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  no derogatory mortgage history past 24 months CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITI

436445285

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR848

Missing Hazard Insurance

No

Provide Hazard Insurance Declaration page.

2.3.2022 Clients response Attached is the Hazard Insurance.  Please clear exception.2.3.2022-Upon further review the Hazard Insurance has been reviewed and is sufficient to clear the exception.  Exception satisfied.

3.2.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $124,986.03 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 74.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 763

436445285

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL1819

Estimated HUD-1 in File, Missing Final HUD-1

No

Missing the Final HUD-1. Please provide a copy of the Final HUD-1 along with an LOX and verification HUD-1 was sent to borrower.

3.2.2022-Clients response Please see the attached Final Hud 1 Please clear the exception.3.2.2022-Upon further review the final HUD 1 has been received and is sufficient to clear the exception.  Exception satisfied.

3.2.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $124,986.03 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 74.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 763

436445286

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guidelines requirements CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash out assets exceeds 6 months required

436445287

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $147,913.67 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 703 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 75.00

436445290

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 790. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment History. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 8 years.

436445292

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 38%, max LTV 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  702 qualifying credit score CFCFS1736: Significant time at current residence - Clayton Comments:  19years at current residence

436480591

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 769. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good Credit History with no derogatory account.

436480595

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 73.94% below guideline requirement of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 746 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 5 years

436480597

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL4033

Missing Legal Document(s)

No

1022 (L) Borrower 1 SSN issued AT LEAST 18 years ormore after borrower's date of birthfrom Credit Header history.Verify the identity of the borrower.If naturalized citizen or residentcompare date of entry to US toissue date shown on

2.16.2022-Clients response Please see attached copy of borrower's Social Security Card. This should be sufficient to satisfy this exception.2.16.2022-Upon further review the borrower Social Security Card has been received and reviewed.  Exception satisfied.

2.16.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median fico 774 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $294,601. 205 months PITI CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower owns 7 properties, 1 is primary and free and clear. No lates on mortgages financed.

436445297

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $247,426.99 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 75.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 774

436480599

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements

436445298

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

State Prepayment Penalty

Active

B

B

B

B

CMPSTPP302

PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed

No

Prepayment Addendum To Note is in file with guidelines

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns 2 mortgage free properties CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No derogatory mortgage history past 24 months

436445299

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Title

Satisfied

C

A

C

A

CRDTIL875

Title Does Not Agree With Mortgage

No

Provide updated title showing proposed borrower as XXX, A XXX.  Preliminary title in file is showing XXX as the proposed borrower. Loan closed in the name of XXX.

2.17.2022-Client response Please see the attached document for a copy of the corrected Preliminary Title that should be sufficient evidence to satisfy the exception. 2.17.2022-Upon further review the title commitment has received and accepted.  Exception satisfied.

2.17.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 780. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for over 5 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in line of work for over 10 years.

436445300

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 741. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 7 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage history.

436445302

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR3278

Hazard Insurance documentation in file is incomplete

No

The homeowners insurance declaration page is not legible; please provide a new declaration page.

2.18.2022-Clients response Please see the attached document for a copy of the Final HOI that should be sufficient evidence to satisfy the exception. 2.18.2022-Upon further review the Homeowners Declaration page has been reviewed and is sufficient.  Exception satisfied.

2.18.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 16 years CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers have been in profession for over 35 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 745

436720262

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 6.3 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 45.24% guideline maximum is 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 712; guideline minimum is 640.

436445305

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings - Rental earnings exceeds PITIA

436720263

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

N/A

N/A

C

A

C

A

A

A

N/A

N/A

Credit

LTV/CLTV

Satisfied

C

A

C

A

CRDLTV3028

LTV Exceeds Guideline Requirement by 10% or more

No

Max LTV for refinance is 70% with DSCR of .6030% less than .75% and FICO greater than/equal to 700.  Guarantor FICO is 716.  Loan approved at 80%. Provide loan exception request (not in file) and no points financed per mortgage pricing option.

3.18.2022 Client responded - The max LTV we can go up to per our guidelines is 80% for rate and term with a fico score of 700. No exception is needed. Please clear the condition. 3.18.2022  Upon further review per the guidelines dated 10.2021 in the InvestorX loan program with credit score greater than 700 (716) using DSCR Rental income DSCR of 1.0 is required for LTV greater than 70% on refinance transaction.  DSCR for this property is 0.6030.  80% is allowed for 2-4 family.  The appraisal was done as a SFR. and noted that the 2 additional rooms and ADU's in rear yard are not permitted so no credit was given.  Exception remains for 70% LTV.3.21.2022 Client responded - Please see the attached Loan exception for LTV of 80%. Please clear the exception3.21.2022  Upon further review client sent in Loan Exception Request for 80% LTV with Management Approval.  No further action is required.  Exception Satisfied.

3.18.2022  Exception remains3.21.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  716 qualifying credit score CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity

436480607

XXXXXX

XXXXXX

(No Data)

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:  711 qualifying credit score CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  10.43% credit utilization ratio

436445307

XXXXXX

XXXXXX

(No Data)

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:  747 qualifying credit score CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No derogatory mortgage history past 24 months CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has 6 months reserves in PITI

436480609

XXXXXX

XXXXXX

(No Data)

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:  811 qualifying credit score CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns mortgage free properties with over 10% in equity CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITI

436445309

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 3 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 31.91% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 721

436480610

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 792. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 3 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good Credit History With no derogatory account.

436480611

XXXXXX

XXXXXX

(No Data)

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:  Borrowers credit score is 792; guideline minimum is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in the current home for 3. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves in the amount of $1,469,838.65.

436445314

XXXXXX

XXXXXX

(No Data)

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:  792 qualifying credit score CFCFS3836: Borrower Net Worth - Clayton Comments:  borrower has over 6 months reserves in PITI CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  borrower owns another property with over 10% in equity

436445315

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  760 qualifying credit score CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITI CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 45.99% max LTV 75

436480614

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Title

Satisfied

C

A

C

A

CRDTIL100

Potential title issue

No

The proposed insured as XXX dated XXX.  The loan did not close in the trust; please provide the updated title policy removing it from the trust.

2.25.2022-Clients response Please see the attached Title Policy showing vested owners. Please clear the condition. 2.25.2022-Upon further review the title commitment shows the correct vesting and taken out of the trust.  Exception satisfied.

2.25.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75.60%; guideline maximum is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit score is 789; guide line minimum is 640. CFCFS2860: Good credit history - Clayton Comments:  Borrowers credit history has been 0x30 for more than 24 months.

436445316

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 707; guideline maximum is 640. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 71.05%; guideline maximum is 75%. CFCFS2860: Good credit history - Clayton Comments:  Borrower has had 0x30 on the credit history for more than 24 months.

436445318

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Fico 778 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  471 months PITI verified CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive payment history verified on credit report

436720265

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 723. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 26 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a Positive Mortgage payment History.

436445319

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Title

Satisfied

D

A

D

A

CRDTIL865

Title incomplete

No

Provide Final Title with the indebtedness satisfied to XXX recorded XXX.  The subject property is said to be free and clear.

2.16.2022-Clients response Please see the attached document for a copy of the Final Title Policy that should be sufficient evidence to satisfy the exception.2.16.2022-Upon further review the Title Policy has been received and reviewed.  Exception satisfied.

2.16.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 815; guideline maximum is 640. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 32.65%; guideline maximum is 75%.

436445321

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 6.6 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 717; guideline minimum is 640. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified $40,016.56 in cash reserves.

436480617

XXXXXX

XXXXXX

(No Data)

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:  805 qualifying credit score CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 50.5%, max LTV 75% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  no derogatory mortgage history past 24 months

436480618

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers cash back exceeds reserve requirement CFCFS2860: Good credit history - Clayton Comments:  All open accounts are current CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO of 688 below guideline requirement of 680 for this program

436445322

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 759. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for over 4 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445323

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements

436720267

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $187,158.93 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 746 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 68.92

436445325

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Title

Satisfied

D

A

D

A

CRDTIL865

Title incomplete

No

Provide updated title showing XXX as the proposed insured.  File contains preliminary title with XXX.

2.25.2022 Client responded - Please see the attached XXX showing XXX as the lender. Please clear the condition.2.25.2022  Upon further review client sent in a copy of the HUD showing XXX as the lender.  Still missing the Title Policy.Exception remains.2.25.2022 Client responded -The XXX statement was provided to show XXX will be listed as the lender on the final title policy . Title cannot make the changes to the prelim after the loan has funded and the Final Title takes a few days to complete2.25.20222  Exception remains.  Please send Final Title Policy once received.2.25.2022-Upon further review the title commitment has been updated to reflect XXX as the insured.  Exception satisfied.2.28.2022-Please raise the rating to reflect the satisfied exception .. has this cleared? 2.28.2022-The updated grade is reflected now as an A.

2.25.2022  Exception remains2.25.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has had 0x30 on the current Mortgage History. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 790; guideline minimum is 680. CFCFS1736: Significant time at current residence - Clayton Comments:  The Borrower has resided at the current residence for 3 years.

436445326

XXXXXX

XXXXXX

(No Data)

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:  Fico 709 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LV 71.19% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower has XXX financed properties, all paid with no late pay history

436480622

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Insurance effective date is XXX, disbursement date XXX.

2.18.2022-Clients response Please see attached Hazard Insurance coverage XXX thru XXX. Both policies were in the file. Please satisfy this condition.2.18.2022-Upon further review the Homeowners Declaration pages with effective date XXX-XXX has been reviewed and sufficient to satisfied exception.

2.18.2022-Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $186,332.64 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 53.09% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 667

436480624

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR3278

Hazard Insurance documentation in file is incomplete

No

The Homeowners insurance has the wrong property address on it; its XXX instead of XXX.  Please provide evidence of insurance with the correct property address.

2.18.2022-Clients response Please see attached Amended Hazard Insurance Declarations. This should be sufficient to satisfy this condition.2.18.2022-Upon further review the Homeowners Declaration page has been corrected to reflect the correct street address.  Exception satisfied.

2.18.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 778 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 6 years CFCFS2860: Good credit history - Clayton Comments:  All open accounts are current

436720268

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guidelines requirements CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines

436480626

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is  778. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 6 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit History, Borrower has a positive mortgage payment history.

436445328

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 2 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65% is below guideline requirement of 75% for this program CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 788

436445333

XXXXXX

XXXXXX

(No Data)

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:  Fico 775 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  No late or 1x30 on primary residence or investment properties CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $173,820.93 or 54.87 months PITI

436480631

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $212,064.12 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 71.40% CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings - Uptick in comps to yield higher rent.

436445337

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR2400

Missing Flood Certification Document

No

Provide missing Cert in borrower file

2.16.2022- Client responded-PLEASE SEE THE ATTACHED FLOOD CERT. PLEASE CLEAR THE CONDITION2.16.2022- upon further review, Flood Cert provided and sufficient, exception satisfied

2.16.2022- Exception has been satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $212,389.96 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 71.40% CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings - Uptick in comps for rental income.

436445343

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR3028

Flood Certificate has incorrect or incomplete data

No

Flood certification indicates the property is in a flood zone.  File does not contain flood insurance.  Please provide the flood insurance.

3.9.2022 Client responded - Please see the attached updated Flood Cert not in a flood zone. Please clear the condition.3.9.2022  Upon further review client sent in Flood certificate showing the existing property is not in a Flood zone.  No further action is required.  Exception is satisfied.

3.9.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  820 qualifying credit score CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 43% max LTV 75% CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity

436480637

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - 135k CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 58.14% CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 20 years

436445346

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 17 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified $158,391.78 in cash reserves. CFCFS2860: Good credit history - Clayton Comments:  The Borrower has had good credit history 0x30 for more than 24 months.

436445348

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL1817

Final HUD-1 is incomplete or illegible

No

Provide Final HUD Settlement statement that is executed and marked True and Certified.  File contains Final HUD that is not signed or marked True and Certified.

3.15.2022  Client responded - Attached is the certified copy of the HUD. Please clear the exception.3.15.2022  Upon further review client sent in Final HUD Settlement statement certified. No further action is required. Exception satisfied.

3.15.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 792. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers have lived at current residence for 8 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436720271

XXXXXX

XXXXXX

(No Data)

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:  730 qualifying credit score CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity

436445350

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 4 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 76.50% is below guideline requirement of 80% for this program CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 731

436445352

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $112,068.18 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 754 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 75.00%

436445355

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  741 qualifying credit score

436445356

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Effective date of XXX, disbursement date of XXX

3.2.2022-Clients response attached is the updated insurance effective XXX - XXX. This policy was received prior to closing to reflect an accurate effective date that correlates with the disbursement date. Please clear the exception.3.2.2022-Upon further review the effective date of the homeowners insurance is correct; however borrower 1's last name is misspelled it is XXX and not XXX. Please provide the correct declaration page.  Exception remains.3.3.2022-Upon further review the name has been corrected on the homeowners declaration page and the exception is satisfied.

3.2.2022-Exception remains.3.3.2022-Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $160,172.06 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 775 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 76.50

436720274

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70, Max LTV 75 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  760 qualifying credit score CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No derogatory mortgage history past 24 months

436445359

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Hazard policy does not cover loan amount XXX.

2.22.2022-Clients response The attached hazard policy also includes the additional 25 percent coverage over the existing limit in case of total loss. please clear the exception. 2.22.2022-Upon further review the insurance declaration page has been reviewed and is acceptable coverage with the Home Protector Coverage of additional 25%.  Exception satisfied.

2.22.2022-Exception satisfied,

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 79.80 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 790 CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings - XXX on rental income per comps

436445360

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $177,740.90 CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 22 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 788

436445361

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 778. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good Credit History with no derogatory account. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436480640

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

C

A

C

A

CRDAPP4625

The orig file does not contain a third party fraud report

No

File contains XXX for 5 of the 6 guarantors. Additional drive report for the remaining guarantor is needed as all parties affiliated, associated or connected to the application are to be ran through a XXX / XXX service.

2.21.2022 Client responded - The loan was approved with only 5 of the borrowers w/ taking the 6th borrower off the loan which was XXX and a credit report for this borrower is not required/needed and was conditioned showing on the Final Approval # XXX the 5 borrowers. The 6th borrower did sign the personal guaranty which states the LLC is responsible for the loan being paid. Please clear the condition. 2.21.2022 Upon further review - There are only 5 borrowers on the loan and not 6. Report is not required for the 6th person as they signed the Personal Guaranty Only. No further action is required.2.21.2022 Exception satisfied.

2.21.2022  Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 qualifying credit score CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  6.29% credit utilization ratio CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  no derogatory mortgage history past 24months

436480640

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Loan closed as an LLC. Please provided updated Lender Conditional Approval reflecting LLC as borrower(s)

2.21.2022 Client responded - We do not not do credit approvals on the LLC. We do approve based on the borrower signing a Personal Guaranty stating that the business is responsible in making sure the loan gets paid. The Loan approval was also conditioned appropriately. Please clear the condition. 2.21.2022 Upon further review the Lender Conditional Approval is located in the file with conditions cleared for closing on the LLC. No further action is required.  Exception satisfied.

2.21.2022  Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  774 qualifying credit score CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  6.29% credit utilization ratio CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  no derogatory mortgage history past 24months

436480641

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 774. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report,  Borrower has a positive mortgage payment history. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good credit history with no derogatory account.

436480642

XXXXXX

XXXXXX

(No Data)

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:  Borrowers credit score is 761; guideline minimum is 640. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets in the amount of  $57,533.72. CFCFS2860: Good credit history - Clayton Comments:  The Borrower over has had good credit history for the past 24 months with 1x30 that the Borrower has disputed.

436445368

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 762. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for over 2 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445369

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 7 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV : XXXMax LTV Allowable for XXX 7%

436445370

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 753 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 4 years. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a Good Credit history with 1 derogatory account.

436445372

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $214,894.89 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 646 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 71.40

436480644

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 776. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for more than 2 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436720282

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 75.00 CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 9 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 680

436445378

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 752. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for more than 3 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445382

XXXXXX

XXXXXX

(No Data)

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:  The Borrower credit score is 782; guideline minimum is 700. CFCFS2860: Good credit history - Clayton Comments:  Borrower has had good credit history for the last 24 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves in the amount of $139,338.90.

436445384

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Lender submitted @ value of XXX. No valuation submitted to support that value. Appraisal provided dated XXX is XXX.Lender value used Purchase price of $XXX closed XXX less than 6 months.  UCDP value of 1 to 2.

2.28.2022-Lenders response The underwriter followed the guidelines and used the purchase price for the property value since it was purchased less than 6 months earlier, please clear the exception.2.28.2022-Upon further review the UCDP score of 1 supports the appraised value; due to being purchase 6 months ago lender used the previous sales price for the value.  Exception satisfied.

2.23.2022 Exception cancelled cited in error.2.28.2022-Exception satisfied,

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $271,857.67 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 70.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 665

436445386

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 800. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has Lived at Current Residence for 20 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445387

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL1819

Estimated HUD-1 in File, Missing Final HUD-1

No

Missing the HUD-1 (Final). Please provide a copy of the HUD-1 (Final) along with an LOX and verification HUD-1 (Final) was sent to borrower.

3.2.2022-Clients response Please see attached Certified Final HUD-1. Please note: An LOX and verification HUD was sent to borrower is not required per XXX Guidelines. This should satisfy this condition.3.2.2022-Upon further review the HUD 1 has been reviewed and is acceptable. Exception satisfied.

3.2.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 800; guideline minimum is 660. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 65%; guideline maximum is 75%. CFCFS1736: Significant time at current residence - Clayton Comments:  The Borrower has resided at the current residence for 20 years.

436445388

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

436445389

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 10 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 59.59% is below guideline requirement of 75% for this program CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 778

436445391

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 778. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 10 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445392

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 50%; guideline maximum is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The Borrowers credit score is 778; guideline minimum is 680. CFCFS1736: Significant time at current residence - Clayton Comments:  The Borrower has resided at the current residence for 10 years.

436445394

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $452,196.75 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 70.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 701

436445395

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 10 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% is below guideline requirement of 80% for this program CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 770

436445396

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 783. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good Credit Report with no Derogatory account .

436445397

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 783. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good Credit history with no Derogatory Account. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has  a positive mortgage payment history.

436445398

XXXXXX

XXXXXX

(No Data)

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:  783 qualifying credit score CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 67% max LTV 75% CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA

436445400

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 744. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for 5 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445402

XXXXXX

XXXXXX

(No Data)

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:  753 qualifying credit score CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No derogatory mortgage history past 24 months CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity

436445403

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $94,551.17 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 76.31 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 767

436445407

XXXXXX

XXXXXX

(No Data)

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 691 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Applicant has 6 mortgages on credit and all with  0x 30' or lates since start of loans CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves of 15.58 pitia $35,037.89 after closing

436445408

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrow has resided at the current residence for 16.7 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit is 752; guideline minimum is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Cash reserves in the amount of $290,869.37.

436720291

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 787. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report , Borrower has a positive mortgage payment history. CFCFS2860: Good credit history - Clayton Comments:  Per credit Report, Borrower has a good credit history with no derogatory account.

436480648

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  790 qualifying credit score CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% down CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has almost 6 months reserves in PITI

436445415

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $620,525.66 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 792 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 42.17

436445416

XXXXXX

XXXXXX

(No Data)

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:  761 qualifying credit score CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity

436445417

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 737. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good Credit History.

436445419

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801 qualifying credit score CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns mortgage free property with over 10% in equity CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA

436720294

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 17 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for over 18 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 769

436445422

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL1819

Estimated HUD-1 in File, Missing Final HUD-1

No

No final HUD-1 in file

3.2.2022-Clients response attached is a copy of the Final HUD-1. Please Clear the exception. 3.2.2022-Upon further review the HUD1 has not be uploaded into conditions please upload the document for review; exception remains.3.2.2022-Clients response attached is the re-uploaded copy of the final HUD-1. Please clear the exception3.2.2022-Upon further review the Final HUD1 has been received and is sufficient to clear the exception.

3.2.2022-Exception remains.3.2.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  736 qualifying credit score CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  no derogatory mortgage history past 24 months CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA

436720295

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Title

Satisfied

C

A

C

A

CRDTIL875

Title Does Not Agree With Mortgage

No

Provide updated title or title supplement showing XXX Corp as proposed insured.  Missing from file

3.212022  Client responded - Please see the attached Final Title Policy showing XXX as the insured. Please clear the condition. 3.21.2022  Upon further review client sent in copy of Final Title showing XXX as the insured.  No further action is required.  Exception Satisfied.

3.21.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 769. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 17 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in line of work for 18 years.

436445425

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Title

Satisfied

C

A

C

A

CRDTIL875

Title Does Not Agree With Mortgage

No

Please provide either the updated title commitment or the final Title Policy showing XXX as the Proposed Insured; currently it shows XXX.

3.8.2022-Clients response Please see attached updated title commitment which should satisfy this condition. 3.8.2022-Upon further review the title report has been reviewed and accepted.  Exception satisfied.

3.8.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 729. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a very good credit history. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 63 months in cash reserves.

436720296

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS2860: Good credit history - Clayton Comments:  Good credit history

436720297

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 787. CFCFS2860: Good credit history - Clayton Comments:  Per Credit Report, Borrower has a good Credit History with no derogatory account. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445430

XXXXXX

XXXXXX

(No Data)

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:  730 qualifying credit score CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA

436445431

XXXXXX

XXXXXX

(No Data)

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:  Borrowers credit score is 793; guideline minimum is 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  The Borrower has had 0x30 on the mortgage for more than 24 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves in the amount of $33,477.93.

436480649

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 761. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has Lived at Current Residence for 10 years. CFCFS2860: Good credit history - Clayton Comments:  Per B1's Credit Report, Borrower has a good Credit history with no derogatory account.

436480650

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

Compliance

Documentation

Satisfied

C

A

C

A

CMPDOC101

Unresolved title issue

No

Title Commitment number XXXPlease provide updated (corrected) title commitment to reflect the following:#4 title to the fee simple estate is in the sellers name at the time of commitment. Provide corrected title reflecting borrower, XXX

Please see the attached document for a copy of the Final Title policy that should be sufficient to satisfy the exception.

Please see the attached document for a copy of the Final Title policy that should be sufficient to satisfy the exception.XXX response: Title commitment, policy # XXX provided and verifies title is vested as XXX.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 711 CFCFS2860: Good credit history - Clayton Comments:  All open account are current CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Longest trade line is 119 months

436480650

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Lender Exception form missing.XXX loan does not allow for first-time homebuyers. Borrower does not have ownership history, rental history reflect living rent free with parents. Borrower is not eligible for program without lender exception specific to the first time homebuyer requirement.

2.22.2022-Clients response Please see the two attached documents to see a copy of the XXX Report and a copy of the XXX Transaction History to see that the borrower is not a 1st time homebuyer. Since the borrower is not a 1st time homebuyer, there is no need for an exception. This should be sufficient evidence to satisfy the exception. 2.22.2022-Upon further review of the XXX report and the XXX printouts the borrowers have owned property before and the exception is satisfied.

2.22.2022-Exception satisfied.2.23.2022 Grade was changed

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 711 CFCFS2860: Good credit history - Clayton Comments:  All open account are current CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Longest trade line is 119 months

436480651

XXXXXX

XXXXXX

(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

CRDAST206

Asset Amounts Are Unsupported by Documentation in File

No

Provided documentation to support $XXX. from XXX.

2.24.2022 Client responded - Please see attached Documentation to support $XXX from XXX. This should satisfy this condition. 2.24.2022 Upon further review client sent in Ledger from Title company of receipt of $XXX incoming from XXX, borrower, along with a copy of the check from XXX for $XXX.  No further action is required.  Exception satisfied

2.24.2022 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit Score is 706; guideline minimum is 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrowers Mortgage History has been 0x30 for more than 24 months. CFCFS2860: Good credit history - Clayton Comments:  Borrower has had 0x30 for more than 24 months on the Credit History.

436720298

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 31.24% max LTV 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  769 qualifying credit score CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  borrower has another property with over  10% in equity

436720300

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL100

Legal document incorrect or incomplete

No

Personal Guaranty forms need to be signed by both borrowers.

3.21.2022  Client responded - Please see the attached signed personal guaranty's by both borrowers. Please clear the exception. 3.21.2022  Upon further review the client sent in Personal Guaranty's signed by both Guarantors.  No further action required. Exception satisfied.

3.21.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below guideline requirement of 80% for this program. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are above guidelines CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 9 years.

436720301

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $165,250.24 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 816 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 59.50

436720303

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines

436720306

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  763 qualifying credit score CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75%, max LTV 80%

436720307

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $138,069.09 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 75.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 802

436720309

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

C

A

C

A

CRDCRMH1805

Debts/obligations not disclosed/accounted for at origination

No

Please provide a letter of explanation regarding possible undisclosed debt/REO associated with the following property:  XXX.  This was an underwriting condition.

3.15.2022 Client responded - The Broker provided documentation that confirmed that our Borrower was in fact the owner of the property, which the information we were seeking when we requested the LOX. Rather than an LOX, they provided the information the form of a property report. Please see the attached and clear the condition. . 3.15.2022  Upon further review client sent in documentation showing our borrower as owner of property located XXX. matching the information on the 1003.  No further action is required.  Exception satisfied

3.15.2022  Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 816. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for over 5 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445441

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Title

Satisfied

D

A

D

A

CRDTIL865

Title incomplete

No

Please provide the complete title commitment or the final title policy.  The file has only a supplemental report and the insured is not correct.  Please provide the title showing the correct borrowers and lender.

3.25.2022: Clients response:XXX, 10:24:13 amPlease see the attached Final Title Policy. Please clear the exception.3.25.2022: Clayton's response:Upon further review the Title policy has been received and is sufficient to clear the exception.  Exception satisfied.

3.25.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines

436445443

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $52,840.52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 733 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 76.50

436720313

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 742. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 3 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436445447

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Title

Satisfied

C

A

C

A

CRDTIL875

Title Does Not Agree With Mortgage

No

Title commitment has the Proposed Insured as XXX and XXX and XXX., as the Lender.  Please provide either the updated commitment with XXX on the XXX and XXX on the XXX as the lender.  *XXX was taken off of the Purchase Contract and did not sign the mortgage.

2.24.2022  Client responded - Please see attached amended Title. This should satisfy this condition. 2.24.2022  Upon further review client sent title policy with XXX only  borrower and XXX as the Lender.  No further action required.  Exception satisfied

Updated commitment or final Title Policy.2.24.2022  Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 750 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 63%, which is below guideline requirement of 75% for this program.

436720316

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

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

No

Please provide evidence that the property located at XXX is free and clear.  This can be done with an insurance declaration page that does not have a Mortgagee Clause and or Release of Mortgage.

3.15.2022  Client responded - Attached is the satisfaction for the mortgage, Please clear the exception. 3.15.2022  Upon further review client sent in copy of Satisfaction of Mortgage verifying XXX is free and clear.  Exception satisfied.

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representing Credit Score is 788. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 5 years. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in line of work for 3 years.

436720317

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 729. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for over 2 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436720322

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 708. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence or 20 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment History.

436720323

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  The Borrower has resided at the current residence for 30years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers Credit score is 708; guideline minimum is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves in the amount of  $140,941 after 6 months reserves requirement has been meet in the amount of $13,758.66.

436720325

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 783. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in line of work since XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Total Asset : $229,206.95Funds to Close : $162,418.33Reserves Required: $2,798.46 X 6= $16,790.76

436720327

XXXXXX

XXXXXX

(No Data)

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:  798 qualifying credit score CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITI CFCFS1734: Borrower has significant time at current job - Clayton Comments:  15 years at current job

436720328

XXXXXX

XXXXXX

(No Data)

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:  753 qualifying credit score CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity CFCFS3836: Borrower Net Worth - Clayton Comments:  borrower has over 6 months reserves in PITIA

436720329

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL4033

Missing Legal Document(s)

No

Please provide the Personal Guaranty for all parties that own 25% or more of the LLC.

3.15.2022 Client responded - Please see the attached Operating Agreement .. there is no need for a personal Guaranty as the other party is only 1% . Please clear the exception. XXX Upon further review Personal Guaranty executed in file by 100% owner, XXX sole owner of XXX LLC. per Operating Agreement in file.  No further action is required.  Exception satisfied.

3.15.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  823 qualifying credit score CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITI CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns mortgage free property with over 10 % in equity

436720333

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit score is 795. CFCFS2860: Good credit history - Clayton Comments:  Per Credit report, Borrower has a good Credit History with no derogatory account. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current address for over 2 years.

436720341

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS2854: Significant time in profession - Clayton Comments:  The Borrower has been XXX for 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 70.20%; guideline maximum is 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has cash reserves in the amount of $104,417.17.

436720342

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

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

No

Lender requests a payoff for the lien on the property; XXX needs to complete a VOM and a payoff.

3.22.2022  Client responded - Please see the attached payoff and statement from XXX. Please clear the exception3.22.2022  Upon further review the client sent in the payoff for XXX however only sent in 1 statement for XXX due date.  Need 12 month mortgage history per guideline requirements.  It is not showing on the Credit Report and the loan opened and was recorded XXX.   Exception remains.3.24.2022-Clients response:XXXPlease see the attached 12 month VOM. Please clear the exception.3.24.2022-Clayton's response:The Verification of mortgage has been reviewed and is sufficient to clear the exception.  Exception satisfied.

2.23.2022  Exception remains.2.24.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines

436720343

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

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

No

Underwriting requested a payoff for the current mortgage being refinanced.  Please provide the pay-off for XXX.

3.22.2022 Clients response:XXXattached is a payoff from XXX3.22.2022 Clayton's Response:Upon further review the payoff from XXX has been received and is sufficient to clear the exception.  Exception satisfied.

3.22.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Co-borrower has been at his current residence for over 5 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-borrower #1 has been at his job for over 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 746.

436720346

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $98,608.84 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 718 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines - 0 lates

436720347

XXXXXX

XXXXXX

(No Data)

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:  Borrowers credit score is 781; guideline minimum is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified $129,528.63 in cash reserves; Borrower is also receiving cashout from the transaction in the amount of $232,035.31. CFCFS2860: Good credit history - Clayton Comments:  The Borrower has had 0x30 for more than 24 months on the credit history.

436720348

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 6 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% is below guideline requirement of 80% for this program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 698

436720350

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves in the amount of $462,190.47. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 68.59%; LTV maximum is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 776; guideline minimum is 680.

436720355

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Guarantor mid score 776 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 68.25 less than 75% allowed. CFCFS2860: Good credit history - Clayton Comments:  Guarantor has good credit history for the last 24 months

436720356

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 10 years CFCFS2860: Good credit history - Clayton Comments:  All open accounts are current. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO of 666 below guideline requirement of 660 for this program

436720361

XXXXXX

XXXXXX

(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

CRDAST205

Insufficient Funds to Close

No

Calculated Assets $153,035.26;  Effective Amount (Assets Used) $147,948.20; Liquid Assets $102,164.68; Total Cash Required from Borrower $121,116.01; Cash Reserves $26,832.19; Short Funds to Close ($18,951.33).

3.15.2022  Client responded - Please see the attached funds to close. Please clear the exception. 3.15.2022 Upon further review lender sent in documentation showing borrower having $147,948.20, enough funds to close with cash reserves covered.  No further action is required. Exception satisfied.

3.15.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 70.19%; guideline maximum is 80%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 11 years. CFCFS2860: Good credit history - Clayton Comments:  The Borrower has good credit history 0x30 for the past 24 months.

436720361

XXXXXX

XXXXXX

(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

Provide an additional statement for XXX account ending in XXX Provide the pages for the January XXX statement.

3.15.2022 Client responded - Please see the attached XXX statement for the month of XXX. Please clear the condition. it clearly shows for the month of Jan. 3.15.2022 Upon further review client sent in XXX statement dated XXX.  No further action is required. Exception satisfied.

3.15.2022  Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 70.19%; guideline maximum is 80%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 11 years. CFCFS2860: Good credit history - Clayton Comments:  The Borrower has good credit history 0x30 for the past 24 months.

436720363

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No derogatory mortgage history past 24 months CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  12.17% credit utilization ratio

436720364

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS2860: Good credit history - Clayton Comments:  Good credit history

436720366

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR3278

Hazard Insurance documentation in file is incomplete

No

Please provide the declaration page for the borrowers homeowners insurance.

XXX, 5:09:16 pmPlease see the attached Ins. Dec page. Please clear the condition.3.11.2022-Clayton's response upon further review the Homeowners Declaration page has been reviewed and is sufficient to satisfy the exception.

3.11.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  767 qualifying credit score CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% max LTV 80% CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA

436720367

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Coverage does not cover loan amount. No replacement cost listed.

3.17.2022  Client responded - Please see attached document which on the last page (Page XXX) details the addressed missing replacement costs. This should satisfy the exception. Please clear the exception. 3.17.2022  Upon further review client sent letter stating the estimated replacement cost which is sufficient.  No further action is required.  Exception satisfied.

3.17.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $437,301.33 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 75.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 808

436720370

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Title

Satisfied

C

A

C

A

CRDTIL875

Title Does Not Agree With Mortgage

No

Provide updated title or title supplement showing Proposed insured as XXX

3.17.2022-Clients response Attached is the prelim with supplement showing XXX as the proposed insured. Please clear this exception.3.17.2022 Clayton's response the title report has been received and reviewed; sufficient to clear the exception.

3.17.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 48%, max LTV 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  708 qualifying credit score

436720371

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 791. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current Residence for over 7 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report , Borrower has a positive mortgage payment history.

436720373

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 6 months reserves in PITIA CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower owns another property with over 10% in equity CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75%, max LTV 80%

436720374

XXXXXX

XXXXXX

(No Data)

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:  Borrowers credit score is 774 and the program requires a fico of 640. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Loan program requires 6 months PITIA-borrower has significantly more than 6 months in reserves.

436720375

XXXXXX

XXXXXX

(No Data)

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:  725 qualifying credit score CFCFS3836: Borrower Net Worth - Clayton Comments:  Borrower has over 10% in equity on another property CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  no derogatory mortgage history past 24 months

436720377

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 702. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in line of work for 4 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good Credit history with just 1 derogatory account.

436445455

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Coverage does not cover loan amount.

3.2.2022-Clients response Please see attached RCE. This should satisfy this condition. 3.2.2022-Upon further review the Reconstruction Cost declaration has been reviewed and is sufficient to clear the exception.

3.2.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1750: High potential for increased earnings - Clayton Comments:  High potential for increased earnings - XXX in comps showing increase in market. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 71.40 CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 6y4mth

436720378

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 63.59%; guideline maximum is 65%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Calculated Assets $74,004.45; Subject PITIA is $8,404.24; 6 months reserves required; $50,425.44; $23,579.01 remaining in reserves. CFCFS2860: Good credit history - Clayton Comments:  Borrower has had good credt history 030 for more than 24 months.

436720381

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

Settlement date XXX. Policy Effective XXX

3.18.2022 Client responded - Attached is evidence of property insurance that expires on XXX, which is after the funding date of XXX. Therefore still in compliance. Please clear the exception. 3.18.2022  Upon further review client sent Declaration showing an expiration date of XXX Insurance was in effect at time of closing with Declaration in file with effective date of XXX through XXX.  No further action required. Exception satisfied.

3.18.2022  Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $93,421.63 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 731 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 75.00

436720385

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Please provide the Operating Income Statement for XXX.

3.15.2022  Client responded - Attached is the operating income statement for the file, please clear this exception. 3.15.2022  Upon further review client sent the Operating income statement for the property.  DSCR loan $XXX / PITI $1154.41 = 1.905%.  All LLC documents provided.  Guarantor is XXX.  No further action is required.  Exception satisfied.

3.15.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's credit score is 790; program requires 640. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  After closing borrower has in addition to the 6 months required another 31 months. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 3 years.

436720386

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  The Borrower has resided at the current residence for 16.10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 758; guideline maximum is 680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has had good credit history 0x30 for more than 24 months.

436445456

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Title

Satisfied

D

A

D

A

CRDTIL865

Title incomplete

No

Provide updated Title with proposed policy amount of $XXX covering the loan amount.  Preliminary in file is showing proposed amount of $XXX.

3.9.2022 Client responded - Please see the attached supplement to show the coverage amount of the loan. Please clear the condition.3.9.2022  Upon further review client sent in Supplemental Title policy showing $XXX which will cover the loan amount of $XXX. No further action is required.  Exception satisfied

3.9.2022  Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  The Borrower has resided in the current residence for 16.10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 758; guideline minimum is 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves in the amount of $176,252.45.

436720387

XXXXXX

XXXXXX

(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

CRDAST205

Insufficient Funds to Close

No

Calculated Assets $108,944.35; Effective Amount (Assets Used) $98,776.75; Liquid Assets $75,052.34; Total Cash Required from Borrower $91,365.63; Short Funds to Close ($16,313.29)

3.11.2022-Client responded: XXX, 5:25:47 pmPlease see attached XXX Response. This should satisfy this exception. 3.11.2022-Clayton's response Upon further review of the XXX bank print-out and bank statements the assets are sufficient to clear the exception.  Exception satisfied.

3.11.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 758; guideline minimum is 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 16.10 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has had good credit history 0x30 for more than 24 months.

436720387

XXXXXX

XXXXXX

(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

CRDAST2354

Asset Verification In File is Incomplete Per Requirements

No

Provide an explanation for the statement from XXX Funds that has the address as XXX dated XXX; the Borrowers purchased the Property XXX.

XXX, 5:25:47 pmPlease see attached XXX Response. This should satisfy this exception. 3.11.2022-Clayton's response Upon further review of the XXX print-out and bank statements the assets are sufficient to clear the exception.  Exception satisfied.

3.11.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 758; guideline minimum is 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 16.10 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has had good credit history 0x30 for more than 24 months.

436720387

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Title

Satisfied

D

A

D

A

CRDTIL865

Title incomplete

No

Missing Title; Supplement 2 has been located in the file.

XXX, 4:58:51 pm Clients response:Please see attached Preliminary Title insurance. This should satisfy this condition. 3.11.2022 Clayton's response: Upon further review the Title Policy was reviewed and is sufficient to clear the exception.  Exception satisfied.

3.11.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score is 758; guideline minimum is 680. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided at the current residence for 16.10 years. CFCFS2860: Good credit history - Clayton Comments:  Borrower has had good credit history 0x30 for more than 24 months.

436720402

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 2 years. CFCFS2860: Good credit history - Clayton Comments:  All open accounts are current CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 707.

436720405

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Notary for DOT is dated XXX, assumption is that it was suppose to be XXXPlease provide a corrected Notary date for the DOT.

3/22/2022 - Attached is the deed of trust with corrected notary date, please clear exception. 3/23/2022 - Upon further review Lender provided the a Revised Mortgage with updated Notary date. No further documentation needed for this exception.

3/23/2022 - Exception satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for over 3 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO is 788. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 76.50% is below guideline requirement of 80% for this program.

436720408

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines

436720409

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 650. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 8 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436720410

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL4033

Missing Legal Document(s)

No

Missing proof of XXX to be able to consider XXX provided.

Clients response:XXXPlease see attached proof of business license. This should be sufficient to satisfy this condition3.21.2022-Clayton's response the Contractors State License has been reviewed and if sufficient to satisfy the exception.

3.21.2022-Exception satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer credit history exceeds guidelines

436720411

XXXXXX

XXXXXX

(No Data)

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:  Representing Credit Score is 709. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 5 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per Credit Report, Borrower has a positive mortgage payment history.

436720412

XXXXXX

XXXXXX

(No Data)

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 - 707 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 70.00 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines - 0 lates

436720413

XXXXXX

XXXXXX

(No Data)

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:  718 qualifying credit score CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  no derogatory mortgage history past 24months CFCFS3830: Addtional collateral with a value equal to at least 10% down payment - Clayton Comments:  Borrower has another property with over 10% in equity

436918737

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 33.66%, maximum allowed 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 686, minimum guideline score 660 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $45,635.32 or 10.53 months of PITIA reserves Required PITIA Reserves are $4,332.19 X 3 months = $12,996.57.

436918739

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $5,223.01 or 3.75 months of PITIA reserves.Required PITIA Reserves are $1,394.47 x 3 = $4,183.41.

436918751

XXXXXX

XXXXXX

(No Data)

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:  692 credit score is 32 points above the minimum required per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  56.39% LTV is 18.61 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $571,603.05 or 153.79 months of PITIARequired PITIA Reserves are $3,716.75 x 3 months = $11,150.25

436918756

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 130.59 months PITIA exceeds guideline minimum of  3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 70 points above guideline minimum

436918759

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  4 years at current primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 40.62% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  721 credit score exceeds guidelines >700

436918761

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 46.38% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 715

436720446

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $95,068.76  or 36.91 months of  PITI Required  Reserves are $2,575.37  x 3 = $ 7,726.11 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is below guidelines 55%, requirements is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 739, minimum score allowed is 700.

436720447

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $196,035.94  or 78.03 months of  PITI Required PITI  Reserves are $2,512.12 x 3= $7,536.36 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 739, minimum score allowed is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is below guidelines 62.86%, requirements is 75%.

436720448

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 46.15%; max allowed per guidelines is 75%.

436720449

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  28 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  70 LTV below guideline requirements of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  790 credit score exceeds guidelines >700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $298,648.74 or 109.50 months of PITI Required PITI Reserves are $2,727.49 x 3 months = $ 8,182.47

436331744

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Missing Business Loan Purpose Certificate and disclosures

2.23.22 - Lender provided business docs

2.23.22 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > 50 months above guideline linimum of

436331744

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2304

Unverified Assets

No

Unable to verify asset required for reserves.

2.7.2022 - Lender provided.

2.7.2022 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > 50 months above guideline linimum of

436331744

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Credit/Mtg History

Active

C

B

C

B

CRDCRMH148

Credit report stale dated at closing

No

Credit report date XXX, note date XXX. Credit documents cannot be older than 90 days from the Note date.

2.23.22 - Lender responded reverted to XXX 120 days, mtg history shows 0x30x12 along with cancelled checks.

2.23.22 - Non-Material B

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > 50 months above guideline linimum of

436331744

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH149

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

No

Missing VOM for subject and other  properties on application, REO schedule.

2/10/22 - Lender provided copies of 12 months canceled checks and bank statements reflecting the rent checks.

2/10/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > 50 months above guideline linimum of

436331744

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2420

Missing HUD-1 (Final and Estimated)

No

Missing Initial and Final hand signed CDs.

2.7.2022 - Lender provided.

2.7.2022 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets > 50 months above guideline linimum of

436979054

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has $14,166.37 reserves of the required amount of $0 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score is 691 of the required 680 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  22 months of payment history reviewed with 0 derogatory payments

436979055

XXXXXX

XXXXXX

(No Data)

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 792, exceeds 680. CFCFS2860: Good credit history - Clayton Comments:  Per credit report dated XXX, the guarantor has 0x30 (XXX) derogatory account history. CFCFS5269: Minimal use of credit - Clayton Comments:  Verified debt via credit report confirms credit usage of 8.78%.

436331611

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP4625

The orig file does not contain a third party fraud report

No

Provide fraud report.

3.11.2022- Client Response- Provided faudplus documentation3.11.2022-Clayton Response- Provided documentation satisfies exception

3.11.2022- Exception Satisfied

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 65% below guideline requirements 75%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  No late reported on mortgages CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Significant reserves after closing totaling $52000

436331614

XXXXXX

XXXXXX

(No Data)

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 has a 715 credit score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $60,314.71 in verified cash reserves.

436331616

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  No delinquencies reported on credit report CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers credit score of 735 exceeds guideline of 720 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $273,052.58 exceed guidelines $9831.54

436331618

XXXXXX

XXXXXX

(No Data)

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:  High Credit Score 715 Guidelines allow 680 CFCFS2860: Good credit history - Clayton Comments:  Borrower Has Good credit history with 0 Late Payments < 24 Months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 22 months exceed guidelines 6 months.

436331620

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 205 months PITIA exceeds guideline minimum of 6 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 70 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70% below guideline requirements 80%.

436331622

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2862

Copy of Note in file is incomplete

No

Provide all executed pages of the Note, page XXX is missing.

03.07.2022 Client responded- provided a copy of fully executed note.03.07.2022 Clayton response- fully executed note provided, sufficient to satisfy exception.

3.7.2022  Exception satisfied.

(No Data)

Not Applicable

CFCFS5269: Minimal use of credit - Clayton Comments:  Borrowers have only used 18.14% of allowable limit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 780 Credit score exceeds guidelines of 680 by 100 points. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 3 mortgages on credit file with at least 0 X 30 for 17 months.

436331622

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL2864

Copy of Mortgage/Deed in file is incomplete

No

Provide all executed pages of the Deed of Trust, page XXX is missing.

3.7.2022 Client response- provided fully executed deed of trust with page XXX (min#).3.7.2022 Clayton response- fully executed deed of trust provided, sufficient to satisfy exception

3.7.2022 Exception satisifed

(No Data)

Not Applicable

CFCFS5269: Minimal use of credit - Clayton Comments:  Borrowers have only used 18.14% of allowable limit. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 780 Credit score exceeds guidelines of 680 by 100 points. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has 3 mortgages on credit file with at least 0 X 30 for 17 months.

436979057

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Missing Borrowing Entity's Articles of Organization, Certificate of good standing and SS-4 form listing tax ID number. These documents are required per guideline. Please provide missing documents. May be subject to additional conditions upon review

4.1.2022- Client Response- Provided SOS good standing4.1.2022- Clayton Response- Provided documentation satisfies exception

4.1.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Required Reserves: $77,168.34 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 700; Program min- 660 CFCFS5269: Minimal use of credit - Clayton Comments:  Borrowers have only made use of 14.40% of an available $70,700.00 credit line

436979058

XXXXXX

XXXXXX

(No Data)

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 705 FICO exceeds the 680 required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 159.23 months PITI of the required 6 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has no derogatory payment history

436331624

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 746 exceed guideline requirement of 700 with  46 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $92,025.70  or  105.27 months of P&I reserves.No Required P&I reserves CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years and 7  at current address

436331625

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $173,769.66 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 805 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 75.00

436331626

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

C

A

C

A

CRDTER3122

Loan documents do not meet guideline requirements

No

Missing Cash Out letter.

3.22.2022- Client Response- Provided LOE for purpose of cash-out3.22.2022- Clayton Response- Provided documentation satisfies exception

3.22.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 805; Program min- 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 60+ months CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower only made use of 3.55% of available $88,400.00 credit line

436331627

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 805, minimum guideline score 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets" Borrower's Post Close Assets Cash Out amount are $160,453.16 or 107.88 months of PITIA reserves Required PITIA Reserves are $1,487.37 X 3 months = $4,462.11.

436331630

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 788 Credit score exceeds guidelines of 680 by 118 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower 65% is 15 points below 80% Ltv allowed by guidelines. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrowers are 0 X 30 on the mortgage in their credit report.

436979059

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower is 0*30 mortgage history in past 25 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower is 0*30 consumer credit history in past 25 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico is 768

436979062

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  ox30 60 90 in past 12 months CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has 6.59% credit usage ratio CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 9.54 months reserves exceeds 6 months PITIA requirement per guideline

436979063

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has minimal use of credit.. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower has 0x30 late payments on consumer debts.. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower 0x30 late on mortgages based on the VOM's in file..

436331633

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 54.29%, maximum allowed 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0X30X99 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets" Borrower's Post Close Assets Cash Out amount are $158,627.27 or 57.87 months of PITIA reserves Required PITIA Reserves are $2,740.93 X 3 months = $8,222.79.

436331634

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL195

Missing Note

No

Provide copy of executed Note provided to the borrower(s).Provide copy of executed Guaranty, if applicable.

3.18.2022- Client Response- Provided executed note3.18.2022- Clayton Response- Provided document satisfies exception

3.18.2022-Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 794 exceed required 680 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  The Guarantor is satisfactory payment history. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline maximum of 75%.

436979064

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL4033

Missing Legal Document(s)

No

Provide operating agreement for "The XXX as XXX. Document to support vesting on title.

3.22.2022-Client Response- Provided Articles of Organization for XX3.22.2022-Clayton Response- Provided documentation satisfies exception

3.22.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 715 exceeds guidelines 600. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 55 months exceed guidelines 6 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history 84 months exceeds guidelines 12 months.

436331635

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Satisfactory payment history on other REO of 58 months exceeds guidelines 12 month requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $124,014.91 or 153.35 Months exceed guideline $4,833.6. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 702 exceeds guidelines 680.

436331636

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

No

Appraisal is made subject to installation of Carbon Monoxide detectors and there is no Appraisal update in file indicating the Carbon Monoxide detectors were installed.

3.22.2022-Client Response- Provided XXX Appraisal showing as-is3.22.2022-Clayton Response- Provided documentation satisfies exception

3.22.2022- Exception satisfied

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory in the last 24 months, longest trade line is 169 months and he has 5 open trade lines. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrowers have 2 mortgaged properties being reported on the credit report with no late payments. The longest one is reviewed for 97 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV is 63.31% which is below the maximum allowable of 70%.

436331639

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 6.06 months PITIA exceeds guideline minimum of 0 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 690 exceeds guidelines 620. CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has 3 open tradeline and minimal use of credit.

436979065

XXXXXX

XXXXXX

(No Data)

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 702 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 65% is below guideline requirements

436331641

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Borrower ha no derogatory history in the last 24 months, he has 3 open trade lines and a credit line usage ratio is 11.24%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 687 and the minimum required is 600 for the program. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are $96,503.66 and guideline requires $11,839.08.

436331642

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6+ Years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  assets of $43872.41 minus cash from borrower at closing $3083.68 leaves $40,788.73 exceeding the Required Reserves of = $0.00 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 753 exceeds the credit sore required of 680 by 73 points

436331643

XXXXXX

XXXXXX

(No Data)

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 753 exceeds guidelines CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  B1 has mortgage history 0 x 30 since XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 85% below guideline requirements

436331645

XXXXXX

XXXXXX

(No Data)

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 705 exceeds guidelines 620. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower 7 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $174,242.27 in verified cash reserves post closing.

436979066

XXXXXX

XXXXXX

(No Data)

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 705 of the required 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  60 months of 0x30 mortgage payment history. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV below guideline requirement of 80%.

436331648

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL988

Loan File is Missing or Contains Insufficient Documentation for Basic Review

No

Missing 12 months mortgage history for XXX,

4.8.2022- Client Response- Provided VOM4.8.2022- XXX Response- Provided documentation satisfies exception

4.8.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 705 of the required 600. CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV below guideline requirement of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $184,435.87 Verified cash reserves exceed guidelines of $ 6,521.04.

436331650

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has no late payments in mortgages. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 719 exceeds guidelines 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $87701.60 exceed guidelines $13,444.62

436331651

XXXXXX

XXXXXX

(No Data)

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:  Fico 782 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 64.97% which is below the required 80% LTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $218,446.84, cash to borrower at closing $218,446.84. Required reserves6months X $1,422.78 = $8,536.68. Excess reserves $209,910.16.

436979067

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 108.07 exceed guidelines 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 692 exceeds guidelines 620. CFCFS5269: Minimal use of credit - Clayton Comments:  Credit report support minimal use of credit.

436331653

XXXXXX

XXXXXX

(No Data)

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:  Borrowers qualifying credit of 702 exceed guideline requirement of 700 with  2 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $97,636.85  or  52.14 months of P&I reserves.

436331654

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  No mortgage delinquencies reported on all mortgages CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  A  credit score of 720 is required and the borrowers credit score is 804 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Excess reserves total 119476.44 after closing

436331656

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC806

Notary Status is missing

No

Mortgage is missing the dated Notary seal.Provide copy of Notary.

3.22.2022-Client Response- Provided notarized DOT3.22.2022-XXX Response- Provided documentation satisfies exception

3.22.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 753 is > 20 more than guideline requirement CFCFS5269: Minimal use of credit - Clayton Comments:  B2 has credit usage ratio of 27.93% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 23.73 months reserves exceeds 0 months PITIA requirement per guideline

436331657

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Calculated DTI is 42.01% which is below the maximum allowable of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years 1 month at current job supported by VVOE in file dated XXX. CFCFS2860: Good credit history - Clayton Comments:  Borrower has 12 open trade lines, longest trade line is 219 months and the credit line usage ratio is 3.20%.

436979068

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75 % below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 742 exceed guideline requirement of 700 with 42 points. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 9 years  at current address

436331660

XXXXXX

XXXXXX

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

Active

B

B

B

B

CMPTRID5215

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

No

Provide Proof of Seller & Borrower realtors paid by party, other than borrower at closing.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 664 exceeds the 600 credit score requirement by 64 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 80% is 5% below maximum LTV guideline of 85%.

436331663

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Asset: Borrower's post close Assets are $5,000.00  or  4.64  months of P&I reserves.

436331664

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Satisfactory payment history on Subject property. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying score exceeds guideline requirements. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Satisfactory payment history.

436331665

XXXXXX

XXXXXX

(No Data)

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:  High Credit Score 768 Guidelines allow 680 CFCFS2860: Good credit history - Clayton Comments:  Borrower Has Good credit history with 0 Late Payments < 24 Months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 25,979 as 16.26 months PITIA Guidelines require 3 months or ($ 1,597 X 3 = $ 4,791)+ 2 Months for Additional REO or ($ 2,440 X 2 = $ 4,880)

436331669

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA871

Adjusted Origination Charge does not equal Origination charge +/- credit/charge

No

Missing GFE.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  717 credit score is 37 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $96,560.50 or  27.99 of PITIARequired PITIA Reserves are $3,450.07 x 6 months = $20,700.42 CFCFS1739: Postive mortgage payment history - Clayton Comments:  0X30, 60, 90 in past 93 months

436331671

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrowers in current residence 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower qualifying 810 Credit score exceeds guidelines of 680 by 130 points. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower in current profession 20 years.

436979069

XXXXXX

XXXXXX

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

Provide Seller Closing Disclosure or Settlement Statement.

3.22.2022-Client Response- Provided Seller CD3.22.2022-Clayton Response- Provided documentation satisfies exception

3.22.2022-Exception Satisfied

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 701 exceed required of 660 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 80% exceed required of 90% CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has minimal use of credit..

436979070

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH118

Mortgage/rental lates exceed guidelines

No

Missing Exception for 1x30 on Mortgage within the past 12 months.  Mortgage for XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current primary residence for 31 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 693 exceeds 580 minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves of $56,729.62 exceed guideline requirement of $19,526.04

436979075

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA2704

RESPA - List of homeowners counseling organizations not compliant

No

Provide List of homeowners counseling organizations.

4.12.2022-Client Response- Provided list of homeowner counseling organizations4.12.2022- Clayton Response- Provided documentation satisfies exception

4.12.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $163,125.48 or 57.90 months PITIA; per guidelines reserves of $8,451.84 or 8 months is required for PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 80% is 10% below maximum LTV guideline of 90%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer has 8+ years credit history which exceeds guidelines.

436979075

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Compliance

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: XXX, Loan Calculation, Section Total of Payments, CD States $829,904.38, Calculation $830,366.88 - Under Disclosed amount of -$462.50.

4/14/2022 - Upon further review and review from Compliance Support, XXX testing for TOP is based on the Last CD at or prior to closing (Last). If a finance charge fee increases, or a new finance charge fee is added, to a PCCD, those amounts will be added the Last CD totals being tested. However, the condition can be cancelled, using the Settlement Statement in file, we are able to confirm the borrower did not pay the $250 for the 2nd appraisal and the per diem was in good faith, so adjusting is permissible. No further documentation needed for this exception.

4/14/2022 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $163,125.48 or 57.90 months PITIA; per guidelines reserves of $8,451.84 or 8 months is required for PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 80% is 10% below maximum LTV guideline of 90%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer has 8+ years credit history which exceeds guidelines.

436979075

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Credit

Application

Satisfied

D

A

D

A

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Missing Permanent Resident Card

4.18.2022-Client Response- Provided Employment Authorization card4.18.2022-Clayton Response- Employment authorization code C33 not approved by lender. DACA is not a permanent resident or asylum's granted individual. Expired in less than months. Does not meet program requirements. Exception remains.4.27.2022-Client Response- Provided exception for EAD in lieu of Visa4.27.2022- Clayton Response- Provided documentation does not satisfy or cure the exception; provided documentation answers the independent review but does no override the written guidelines.5.6.2022-CLAYTON REPONSE: Unfortunately, per guidelines page 32, you do in fact require documentation with explicitly stated time. If an EAD expires within 12 months of the note date, evidence of prior renewal and approval renewal application must be obtained. 9.3.2 Non Permanent Resident Alien 9.3.1 Permanent Resident Alien- A permanent resident alien is a non-US citizen authorized to live and work in the US on a permanent basis. Acceptable evidence of lawful permanent residency must be documented and meet the following criteria: ? I-551 Permanent Resident Card (AKA Green Card) issued by the Dept. of Homeland Security (DHS) U.S. Citizenship & Immigration Services. ? Applicant must present either unexpired I-551 card or unexpired temporary I-551 stamp on an unexpired foreign passport reading Processed for I-551 Temporary Evidence of Lawful Admission for Permanent Residence. Valid until MM-DD-YY. Employment Authorized. **Documentation in file** 1003 states Permanent Resident Alien Permanent Resident Alien card not provided in file 4.18.2022- Client provided Employment Authorization Card, Valid from XXX Exp XXX XXX-Client provided lender exception for C33 EAD, Expires XXX XXX-Client Provided lender NONQM Exception Request Form- stating C33 EAD expiration XXX, in lieu of Visa approved with no hit to the price Please know that none of the above satisfy the guidelines and written policy. Please provide documentation per sections 9.3.1 and 9.3.2 as stated above5.11.2022- Client Response- Provided verified ssn and ead card5.11.2022-Clatyon Response- Provided SS verification in addition to credit report with history greater than 2 years, satisfies exception

4.18.2022-Exception Remains5.11.2022-Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $163,125.48 or 57.90 months PITIA; per guidelines reserves of $8,451.84 or 8 months is required for PITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 80% is 10% below maximum LTV guideline of 90%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Consumer has 8+ years credit history which exceeds guidelines.

436979076

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Texas Home Equity

Satisfied

C

B

C

B

CMPTXHE119

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

No

The Affidavit of Fair Market Value in file was not signed by the lender.

3.30.2022 Received Fair Market Value executed by Lender and borrower.

3.30.2022 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  763 vs 660 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6.5 yrs vs 2 yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash available $ 44,302.70 cash required for reserves $ 8,237.46

436979076

XXXXXX

XXXXXX

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

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

The Will Not Have an Escrow Account in the Final CD loan disclosure section does not have an identifier selected as to why escrow was not included.

(No Data)

Escrow Waiver in file XXX indicates borrower declined escrow. Exception satisfied.

Non-Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  763 vs 660 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6.5 yrs vs 2 yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash available $ 44,302.70 cash required for reserves $ 8,237.46

436331680

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1750: High potential for increased earnings - Clayton Comments:  DSCR 1.3346, continuance of increased rental income CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 16 years  at current address CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $67,661.54  or  60.20  months of P&I reserves

436331681

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $101,182.96 or 103.26  months of P&I reserves. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 16 years at current address

436331325

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves:  $120,808.38 (21.06) Months  exceed guideline 6 months. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive 24mortgage payment history exceed guideline 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 764 exceeds guidelines 600.

436979077

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Application

Satisfied

C

A

C

A

CRDAPP131

Occupancy status not supported by file documentation

No

Loan transaction presented as investment property refinance, appraisal occupancy listed as owner occupied.  Provide a corrected appraisal occupancy status.

4.8.2022-Client Response- Provided updated 1007 to tenant occupied4.8.2022- Client Response- Provided documentation satisfies exception

4.8.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 730 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 62.40% is below guideline requirements 75% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 25 years..

436979077

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Missing verification of insurance premium amount for REO's on XXX

3.30.2022 Received Hazard binder with premium for XXX

3.30.2022 Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 730 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 62.40% is below guideline requirements 75% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 25 years..

436979077

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Credit

Legal Documents

Satisfied

D

A

D

A

CRDLGL100

Legal document incorrect or incomplete

No

Provide executed Guaranty document.

4.8.2022- Client Response- Provided executed guaranty4.8.2022- Clayton Response- Provided documentation satisfies exception

4.8.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 730 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 62.40% is below guideline requirements 75% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 25 years..

436331682

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Borrower does not have any major mortgage related occurrences during the past two years CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS5269: Minimal use of credit - Clayton Comments:  Minimal use of credit

436979080

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Compliance

Federal Consumer Protection

Active

B

B

B

B

CMPFDCP847

TILA - ARM Loan Program Disclosure after 3 days from application

No

ARM loan program disclosure is dated XXX, not within 3 business days of application date of XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

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

436979080

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing Homeowner's Counseling List.  HOC acknowledgement in file dated XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

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

436979080

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3823

TRID - CD: One or more of the payments in the CD Projected Payments section (Minimum Payment) does not equal its component parts

No

Final CD XXX  Projected payment section for band 2 and 3 show a min payment of XXX.

3/30/2022 - Upon further review, The projected minimum payment of $XXX

30/30/2022 - Exception satisfied

Numeric

Not Applicable

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

436979080

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3824

TRID - CD: One or more of the payments in the CD Projected Payments section (Maximum Payment) does not equal its component parts

No

Final CD XXX Projected payment section for band 3 and 4 show a total payment max of $7294.00 and Clayton calculated amount is $6478.00.

3/30/2022 - Upon further review, The projected maximum payment of $7,294.00 includes the estimated monthly escrow payment amount of $814.00. The amount of $6478.00 is only the principal and interest. No further documentation needed for this exception.

3/30/2022 - Exception satisfied

Numeric

Not Applicable

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

436979080

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5043

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

No

Fired in Error; values match

3/30/2022 - Upon further review, The projected minimum payment of $5224.00 includes the estimated monthly escrow payment amount of $814.00. The amount of $4408.00 is only the principal and interest. No further documentation needed for this exception.

3/30/2022 - Exception satisfied

Numeric

Not Applicable

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

436979080

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC3204

Income Documentation Missing

No

Client guidelines require the applicant to provide a narrative on the nature of their business and how it was impacted by COVID.  This documentation is missing from the file.

3.28.2022-Client Response- Provided business narrative 3.28.2022-Clayton Response- Provided documentation satisfies exception

3.28.2022- Exception Satisfied

(No Data)

Not Applicable

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

436979082

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 35.41 moths PITI required is 6 months CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has no derogatory payments per review CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% LTV is less than maximum required of 80% per guidelines

436979084

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Please provide HOI insurance to reflect coverage D, rent loss at 6 months PITIA minimum

3.31.2022- Client Response- Provided HOI with rent loss coverage3.31.2022- Clayton Response- Provided documentation satisfies exception

3.31.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  verified reserves 38.88 require reserve is 0 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  credit score of 731 exceeds required of 680 CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has minimal use of credit

436979087

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

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

3.28.2022- Client Response- Provided PCCD 3.28.2022- Clayton Response- Provided documentation satisfies exception

3.28.2022- Exception Satisfied

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been XXX at current job for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 752 exceeds guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 37.04 months PITI required is 3 months PITI

436979087

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Zero percent tolerance fee of $1295.00 for increase in Processing Fee of $1295. Provide Letter of explanation (COC), corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation.

3.28.2022- Client Response - Provided PCCD3.28.2022- Clayton Response- Upon further review Lender provided a PCCD, LOX, and refund to the borrower in amount of $1295 for tolerance cure for broker processing fees that were not properly disclosed. No further documentation needed for this exception.

3.28.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been XXX at current job for 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 752 exceeds guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 37.04 months PITI required is 3 months PITI

436979088

XXXXXX

XXXXXX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 past 12 months CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been lived at residents for 6 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower been on his job for 6 years

436979089

XXXXXX

XXXXXX

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

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.

4.7.2022- Client Response- Provided all TRID LE and CD's for compliance4.7.2022- Clayton Response- Provided documentation satisfies exception

4.7.2022- Exception Satisfied

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has five years in current profession. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per credit report dated XXX, borrower does not have any major mortgage related occurrences during the past two years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO: 687, FICO Min for Loan Amount of $XXX per Non-QHEM Matrix; 660 (90% ltv - purchase)

436979089

XXXXXX

XXXXXX

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

CMPTRID3494

TRID - Loan Estimate Missing

No

Loan Estimate missing.

4.7.2022- Client Response- Provided all TRID LE and CD's for compliance4.7.2022- Clayton Response- Provided documentation satisfies exception

4.7.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has five years in current profession. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per credit report dated XXX, borrower does not have any major mortgage related occurrences during the past two years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO: 687, FICO Min for Loan Amount of $XXX per Non-QHEM Matrix; 660 (90% ltv - purchase)

436979089

XXXXXX

XXXXXX

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

CMPTRID3496

TRID - Closing Disclosure Missing

No

Closing Disclosure missing.

4.7.2022- Client Response- Provided all TRID LE and CD's for compliance4.7.2022- Clayton Response- Provided documentation satisfies exception

4.7.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has five years in current profession. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  Per credit report dated XXX, borrower does not have any major mortgage related occurrences during the past two years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO: 687, FICO Min for Loan Amount of $XXX per Non-QHEM Matrix; 660 (90% ltv - purchase)

436979091

XXXXXX

XXXXXX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  75% vs 80% CFCFS1736: Significant time at current residence - Clayton Comments:  7yrs vs 2 yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Assets $16,814.10 ; Required reserves: $6,710.52

Client Name:
Client Project Name:	CSMC 2022-NQM4
Start - End Dates:	1/20/2022 - 4/26/2022
Deal Loan Count:	650
Conditions Report 2.0
Loans in Report:	650
Loans with Conditions:	151

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

436331337

Yes

XXXXXX

XXXXXX

C

A

A

A

C

A

A

A

C

B

A

A

C

B

A

A

No

436331338

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436331340

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331341

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331342

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436978718

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331343

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331345

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Yes

436978722

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436978723

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978724

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331347

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331348

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331350

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978725

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331351

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978730

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331352

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

No

436331353

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331354

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436978734

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436330959

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331357

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978735

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331358

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

No

436978736

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978737

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978738

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Yes

436331359

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331361

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436978746

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331363

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331365

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436330996

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331366

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331367

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331370

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436331371

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331372

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436331373

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331374

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331375

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331376

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978747

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331377

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331379

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331380

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331381

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978749

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

No

436331386

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331389

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331390

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331391

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331392

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331395

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331396

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436331397

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331398

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Yes

436331399

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331400

Yes

XXXXXX

XXXXXX

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

No

436978756

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978757

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978758

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978759

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978761

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978762

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331406

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

No

436978763

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331409

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331411

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331413

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331415

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331416

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436331034

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436331417

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331418

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Yes

436331419

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331420

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978764

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978765

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

436978766

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978767

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978768

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331422

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Yes

436331423

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331426

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331427

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436331428

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331429

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331430

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331432

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331435

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436331437

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331438

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978770

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331440

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436331442

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

No

436331443

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978771

Yes

XXXXXX

XXXXXX

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

No

436331447

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331448

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331451

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331452

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331453

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978772

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978773

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

No

436331457

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331460

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436331462

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331465

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331466

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331469

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331470

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Yes

436978775

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331471

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978776

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978777

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331477

Yes

XXXXXX

XXXXXX

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

No

436331480

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331481

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331482

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978778

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331484

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331485

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978781

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

436331491

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436978782

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331495

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331496

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331497

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331499

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978786

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331501

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

436331502

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331503

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436331504

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331505

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331506

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331507

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331508

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

No

436978788

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331510

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978789

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978790

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436978791

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978792

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978793

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

No

436331511

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331513

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

436331515

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331516

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331517

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978795

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978797

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978798

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331519

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

436331520

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

N/A

N/A

D

A

A

A

D

A

N/A

N/A

No

436978801

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978802

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

No

436978803

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978805

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331522

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978806

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331525

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331526

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436331527

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331528

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331096

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978807

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978808

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331531

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436978809

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978810

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331533

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331534

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978811

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331535

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331100

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331536

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978813

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331105

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331538

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978814

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331539

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331540

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331541

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331543

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331545

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Yes

436978817

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331546

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978818

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978819

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978820

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331549

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331550

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331552

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331553

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978821

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331557

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331559

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331560

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331561

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978823

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Yes

436331120

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436978824

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

No

436978825

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978826

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331563

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331564

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978827

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978828

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978830

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978832

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978833

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978834

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978835

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978836

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331140

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978837

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436331570

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978838

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331571

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978839

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978840

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978841

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978842

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978843

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331151

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331577

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

436331578

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978848

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436978849

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978850

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331581

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331583

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331584

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436978851

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978853

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978855

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331586

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978857

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978858

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978859

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

436978862

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

No

436331588

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331589

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436978867

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978868

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331590

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978871

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

436978872

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436978873

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978874

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978876

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331592

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978881

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436978883

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978885

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436331595

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978886

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978887

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978888

Yes

XXXXXX

XXXXXX

C

A

C

A

C

A

C

A

C

A

C

A

C

A

C

A

No

436978891

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

No

436978893

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

No

436978895

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331597

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978898

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978899

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331598

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978900

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331600

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331601

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331602

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978903

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978904

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331207

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978905

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331603

Yes

XXXXXX

XXXXXX

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

No

436978907

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978908

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978909

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978910

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978911

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978912

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978913

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436978914

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978916

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331606

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331607

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978917

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978918

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978919

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978921

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331220

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978923

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978924

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978925

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978928

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978929

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978930

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331226

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978931

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978933

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331232

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978935

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978937

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331236

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978939

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978941

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978942

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978943

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978944

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331245

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436978945

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978946

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436978947

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978948

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978949

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978955

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978956

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978957

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978958

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978961

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331252

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978963

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978965

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978966

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978970

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978971

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978982

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978984

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978986

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978989

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978991

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978993

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978994

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436978996

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978998

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979002

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979004

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Yes

436979009

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979014

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979015

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979023

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979026

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979029

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979030

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480468

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

Not Applicable

436480469

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436480470

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436480471

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480472

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445194

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436445195

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436480473

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445197

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436445199

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

No

436445200

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436480482

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436720248

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436480486

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720251

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

No

436445205

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445206

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720252

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480489

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480491

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480494

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480496

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480497

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445214

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436480500

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445215

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436480503

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445221

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436720255

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445223

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436445224

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436445226

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445228

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Not Applicable

436720256

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445230

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436480514

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445233

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

N/A

N/A

C

A

C

A

A

A

N/A

N/A

Not Applicable

436445234

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Not Applicable

436480518

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480520

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445238

Yes

XXXXXX

XXXXXX

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Not Applicable

436480525

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436445239

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480526

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480531

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445245

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445246

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445257

Yes

XXXXXX

XXXXXX

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Not Applicable

436480539

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436480540

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436445259

Yes

XXXXXX

XXXXXX

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Not Applicable

436480542

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480544

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445262

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

N/A

N/A

D

A

D

A

D

A

N/A

N/A

Not Applicable

436480548

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

N/A

N/A

C

A

C

A

A

A

N/A

N/A

Not Applicable

436445263

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445264

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436445265

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436480554

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436480557

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480558

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436480561

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480565

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445270

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445271

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480569

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436445275

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445276

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445277

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436445281

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436480585

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445284

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445285

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436445286

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436445287

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445290

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445292

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480591

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436480595

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480597

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436445297

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480599

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445298

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Not Applicable

436445299

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436445300

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445302

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436720262

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445305

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720263

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

N/A

N/A

C

A

C

A

A

A

N/A

N/A

No

436480607

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445307

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480609

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445309

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480610

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Yes

436480611

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Yes

436445314

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445315

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480614

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436445316

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445318

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720265

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445319

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436445321

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436480617

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480618

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445322

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445323

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720267

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445325

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436445326

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436480622

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436480624

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436720268

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480626

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445328

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445333

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436480631

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436445337

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436445343

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436480637

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445346

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445348

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436720271

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445350

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445352

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445355

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445356

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436720274

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445359

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436445360

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445361

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480640

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436480641

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436480642

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445368

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445369

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436445370

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445372

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480644

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720282

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445378

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445382

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445384

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436445386

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445387

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Yes

436445388

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445389

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445391

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445392

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445394

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445395

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445396

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445397

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445398

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445400

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445402

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445403

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445407

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445408

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720291

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436480648

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436445415

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445416

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445417

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445419

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720294

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445422

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436720295

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436445425

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436720296

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720297

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445430

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445431

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436480649

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480650

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

Yes

436480651

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436720298

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720300

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436720301

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720303

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436720306

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436720307

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720309

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436445441

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436445443

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720313

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445447

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436720316

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Not Applicable

436720317

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720322

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720323

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720325

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720327

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720328

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720329

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436720333

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720341

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436720342

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Not Applicable

436720343

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436720346

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720347

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720348

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720350

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720355

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Not Applicable

436720356

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720361

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436720363

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720364

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720366

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436720367

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436720370

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436720371

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720373

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720374

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720375

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720377

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436445455

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436720378

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720381

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436720385

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436720386

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436445456

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436720387

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436720402

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720405

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

436720408

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720409

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720410

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436720411

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720412

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720413

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918737

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918739

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918751

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918756

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918759

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918761

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720446

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720447

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720448

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720449

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331744

Yes

XXXXXX

XXXXXX

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Not Applicable

436979054

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979055

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331611

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331614

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331616

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331618

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331620

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331622

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

No

436979057

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436979058

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331624

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

Yes

436331625

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331626

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436331627

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331630

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436979059

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979062

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979063

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331633

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331634

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

No

436979064

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331635

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331636

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436331639

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979065

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331641

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331642

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331643

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331645

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979066

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331648

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331650

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331651

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979067

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331653

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331654

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331656

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

436331657

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979068

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331660

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

No

436331663

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331664

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331665

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331669

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

No

436331671

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979069

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

436979070

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Not Applicable

436979075

Yes

XXXXXX

XXXXXX

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

No

436979076

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

No

436331680

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331681

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331325

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979077

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

N/A

N/A

D

A

D

A

A

A

N/A

N/A

Not Applicable

436331682

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979080

Yes

XXXXXX

XXXXXX

D

B

D

A

A

A

C

B

D

B

D

A

A

A

C

B

Not Applicable

436979082

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979084

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

No

436979087

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

No

436979088

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979089

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Not Applicable

436979091

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No