CSMC 2022-NQM5 Trust ABS-15G

Exhibit 99.18

Client Name:
Client Project Name:	CSMC 2022-NQM5
Start - End Dates:	1/19/2022 - 5/16/2022
Deal Loan Count:	297
Conditions Report 2.0
Loans in Report:	297
Loans with Conditions:	86
0 - Total Active Conditions
135 - Total Satisfied Conditions
		31 - Credit Review Scope
			4 - Category: Application
			5 - Category: Assets
			1 - Category: Credit/Mtg History
			2 - Category: Income/Employment
			6 - Category: Insurance
			1 - Category: Legal Documents
			11 - Category: Terms/Guidelines
			1 - Category: Title
		56 - Property Valuations Review Scope
			56 - Category: Appraisal
		48 - Compliance Review Scope
			3 - Category: Ability to Repay/Qualified Mortgage
			2 - Category: Compliance Manual
			2 - Category: Documentation
			2 - Category: Federal Consumer Protection
			2 - Category: Federal Higher-Priced
			3 - Category: RESPA
			2 - Category: Right of Rescission
			1 - Category: State High Cost
			31 - Category: TILA/RESPA Integrated Disclosure
1 - Total Waived Conditions
		1 - Credit Review Scope
			1 - Category: Credit/Mtg History
©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-NQM5
Start - End Dates:	1/19/2022 - 5/16/2022
Deal Loan Count:	267
Conditions Report 2.0
Loans in Report:	297
Loans with Conditions:	86

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

436720416

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $24,453.94 or 11.05 months of PITA reserves.Required PITIA Reserves are $2,208.04 x 3 = $6,624.12 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 75%, maximum allowed is 80%

436918731

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

04.06.22 Updated value received, appraised value supported.

04.06.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.30% DTI is below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  55% LTV is below guideline maximum of 85%

437452214

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $223,964.20 or 76.66 months of PITIARequired PITIA Reserves are $2,921.63 x 09 months = $26,294.67

437029694

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSETS: $119,814.70 RESERVES: $25,376.94 or 14.76 MONTHS PITI reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700

437029695

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 783 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $15,411.42 or 7.48 months of PITA reserves.Required PITIA Reserves are$2,060.04 x 3 = $6,180.12

437029696

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  795 credit score is 95 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $129,167.45 or 68.04 months of PITIARequired PITIA Reserves are $1,898.39 x 3 months = $5,695.17

436720419

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  753 credit score is 53 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 6 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $12,026.28 or 12.99 months of PITIARequired PITIA Reserves are $925.56 x 3 months = $ 2,776.68

436720420

XXXXXX

GA

(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 $194,718.64 or 122.02 months of PITIAReserve Requirement - $1,595.8 x 3 = $ 4,787.4 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 52.41%

436720421

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 55%, maximum allowed is 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $287,779.73 or 238.41 months PITI Required  PITI Reserves are $1,207.08 x 3 = $ 3,621.24 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 749

436720422

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 55%; max allowed per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  804 qualifying score. Min required per guidelines is 700.

437029698

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $19,070.81 or 15.95 months of  PITI Required  Reserves are $1,195.69  x 3 = $ 3,587.07 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is below guidelines 75%, Max allowed is 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 799, minimum score allowed is 700.

437452215

XXXXXX

GA

(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 6.68 months PITIA exceeds guideline minimum of 3 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 90 points above guideline minimum

436330939

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  772 Credit score exceeds guideline required 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 29.00 months PITI reserves, required is 0 CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has minimal credit usage..

436330953

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  36.99 PITI exceeds the 6 required CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  724 FICO exceeds the 680 required CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  no derogatory payment history

436330966

XXXXXX

FL

(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

Missing supporting documentation lien with The XXX has been paid/released as listed in Title Commitment Schedule B-1 item number 11.  NOTE:  Title reflects 2 Mortgages, HUD does not reflect each mortgage to be paid off on a total Mortgage.

3.30.2022 Received Satisfaction of Mortgage for XXX

3.30.2022 Exception satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower credit score is 757.  Minimum score is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 70%.  Max is 80%. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Mortgage pay on credit report with XXX is 0x30 34 months reviewed.

436978739

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 736  exceed guideline requirement of 600  with 136  points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $24,425.55  or  25.42  months PITI CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75 % below maximum of 85%

436978740

XXXXXX

PA

(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 690 exceed guideline requirement of 680 with 10 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $345,197.60  or  134.99  months  PITI

436331360

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3966

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

No

Final CD XXX -Both or neither of You declined it and/or Your lender does not offer one are selected in the Loan Disclosures section.  Provide LOX and post-consummation CD within 60 days of consummation. 130(b) or (c) cure available thereafter with client consent within 60 days of discovery.

3.18.2022- Client Response- Provided completed PCCD and LOE3.18.2022- Clayton Response- Provided documentation satisfies exception

3.18.2022-  Exception Satisfied

Non-Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $74,094 (16 months PITI) CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 7.67% CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV 58.25%, max 75%

436331364

XXXXXX

NY

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 805 is > 20 more than guideline requirement CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has 6% credit usage ratio CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV (75%) > 10 points below guideline maximum of 85%

436331369

XXXXXX

NY

(No Data)

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:  751 score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  57.85% LTV. CFCFS2860: Good credit history - Clayton Comments:  On time payment history of mortgage since 2014.

436331010

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Waived

B

B

B

B

CRDCRMH3000

# of Tradelines Does Not Meet Guideline Requirements

No

Client Exception Approved - Minimum tradelines requirement was not identified by XXX throughout process of loan. This was identified at time of Due Diligence. Hard NONI due to XXX discharged XXX. The BK XXX was filed due failed partnership on a business named XXX and t save / retain a rental property. Business was dissolved in XXX

Client Exception Approved - Minimum tradelines requirement was not identified by XXX throughout process of loan. This was identified at time of Due Diligence. Hard NONI due to XXX was filed due failed partnership on a business named XXX and t save / retain a rental property. Business was dissolved in XXX

Client Exception Approved - Minimum tradelines requirement was not identified by XXX

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  High Credit Score 688 Guidelines allow 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV/CLTV/HLTV 50 % Guidelines allow 75 % CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 33,085 as 12.45 months PITIA Guidelines Require 6 months reserve.

436978748

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets after closing 23.44 PITI mos. Cash Reserves $122,930.26 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a credit score of 735 which exceeds 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 66% below guideline requirements of 85%

436331387

XXXXXX

CT

(No Data)

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 middle credit score is 792 and guidelines allow a score of 680 CFCFS5269: Minimal use of credit - Clayton Comments:  The borrower is utilizing 11.48% of the credit available to him CFCFS1736: Significant time at current residence - Clayton Comments:  The borrower has been at his current primary residence for 20 years

436331394

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  726 credit score is 46 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  48.08% LTV is 31.92 points below the maximum  allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 10 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $87,701.39 or 107.13 months of PITIARequired PITIA Reserves are $818.66 x 6 months = $4,911.96

436331401

XXXXXX

VA

(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 $87,242.91 Verified cash reserves exceed guideline $5454.54. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 65% below guideline allowed 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 647 exceeds guidelines 640.

436331025

XXXXXX

CT

(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 $1,135.54= $6,813.24Available Reserves: $124,387.54 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 64.95%; Program max- 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 712; Program min- 660

436331041

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Score 780, min requirement 600 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves of 42 months, minimum requirement is 6 months. CFCFS2860: Good credit history - Clayton Comments:  0x30 on all consumer credit.

437029700

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 8.07 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

436331474

XXXXXX

RI

(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 of $ 58,440.30 exceeds guidelines of $0. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 776 of the required 600. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower has positive mortgage payment history of 59 months.

436331479

XXXXXX

NC

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has significant time in current profession for 10 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x79 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 50% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 90%

436331486

XXXXXX

TX

(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 - 81.43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 770 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history - No lates in 24 months

436331487

XXXXXX

TX

(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

436978780

XXXXXX

NY

(No Data)

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:  660 vs 672 CFCFS1736: Significant time at current residence - Clayton Comments:  5 yrs vs 2 yrs CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves: $15,290.39; Required reserves: $10,559.82

436331489

XXXXXX

GA

(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 from TheLender on company letterhead.

3.16.2022- Client Response- Provided loan approval3.16.2022- Clayton Response- Provided loan document satisfies exception

3.16.2022- Exception Satisfied

(No Data)

Not Applicable

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 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines as non required for purchase

436331490

XXXXXX

NJ

(No Data)

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 780 exceeds guidelines 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $39,880.02,or 11 months exceed guidelines 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 75% which is below the required LTV of 80%.

436978784

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calc LTV- 36.14%; Program max- 80% CFCFS5269: Minimal use of credit - Clayton Comments:  B1 has only made use of 14.75% of an available $21,150.00 credit line CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $236,365.55

436331492

XXXXXX

PA

(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 - 85.00 CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history - 0 lates CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 719

436331500

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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:  B1 has owned subject residence for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been XXX at current job for 8 years. CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30, 60, 90 mortgage history for 99 months.

436331509

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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:  The borrower has occupied the subject property for 5 years and 5 months CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has been XXX for 20 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  The LTV is 41.24% and guidelines allow the LTV to be 65% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:  Verified: $195,137.50  required 3 months PITI reserves = $1,975.98

436978794

XXXXXX

MI

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 $1094.27 for increase in Discount Point fee of $1094.27. Provide letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation.

4/22/2022 - Upon further review Lender provided the PCCD and COC that explained to validity of the 0% tolerance fees. No further documentation needed for this exception.

4/22/2022 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Cash Reserves $ 74,494.60 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI below guideline requirements CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score meets guidelines

436331080

XXXXXX

MD

(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 50.20 % below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 715 exceed guideline requirement of 700 with 15 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close assets are $115,143.42 or 79.74 months PITI

436978796

XXXXXX

MD

(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 $71,028.64 or 67.13 months PITIA; per guidelines reserves of $6,348.84  or 6 months is required for PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 727 exceeds the 680 credit score requirement by 47 points. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 70% is 10% below maximum LTV guideline of 80%.

436331095

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: 6 months x $1,589.07= $9,534.42Available Reserves: $128,342.08 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 786; Program min- 680 CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has used only 3.94% of an available $205,500.00 credit line

436331532

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  LTV (36.56%) > 10 points below guideline maximum of 55% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 699 is > 20 more than guideline requirement CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has 4.83% credit usage

436331532

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  LTV (36.56%) > 10 points below guideline maximum of 55% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score 699 is > 20 more than guideline requirement CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has 4.83% credit usage

436331104

XXXXXX

MS

(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: $5,217.64 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 768; Program min- 640 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV- 75%; Program max- 85%

436331107

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 781 exceed guideline minimum of 680 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for 12 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit established since XXX of revolving available

436331108

XXXXXX

FL

(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 guarantor has ten years in current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO: 773, NONI Matix Min: 680. CFCFS2860: Good credit history - Clayton Comments:  Per credit report dated XXX, the guarantor has 0x30 derogatory account history.

436331111

XXXXXX

WA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower credit score is 724.  Minimum score is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 75%.  Max LTV is 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage history is 0x30.

436331544

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  46% LTV below guideline requirement of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score is 801 of the required 680. CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with a trade line of XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  $ 109,278.03 Verified cash reserves exceed guidelines of $ 4,693.92.

436978816

XXXXXX

PA

(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 24 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets $102,327.85 or 117.37 months PITI CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 709 exceeds guideline 620 CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 past 24 months

436331113

XXXXXX

NY

(No Data)

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 - 792 CFCFS5269: Minimal use of credit - Clayton Comments:  Minimal use of credit - ACTIVELY USING 1 OPEN TRADELINE CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence - 10 YEARS

436331119

XXXXXX

CO

(No Data)

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:  70% vs 75% CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% vs 75% CFCFS1736: Significant time at current residence - Clayton Comments:  15 yrs vs 2 yrs

436331565

XXXXXX

GA

(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 15.5 months reserves exceeds 6 months PITIA requirement per guideline CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Credit report shows Mortgage debt as 0x12x31 CFCFS1739: Postive mortgage payment history - Clayton Comments:  0 x 30, 60, 90 past 31 months.

436978831

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines - $142,587.93 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 701 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 75.00

436331133

XXXXXX

NJ

(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- 27.03%; Program max- 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 809; Program min- 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0.00Available Reserves: $106,102.65 CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  0x30 for 60+ months

436331144

XXXXXX

NY

(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 have excess of $78,262.58 reserves of required $0 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at his residents for 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 724 exceeds the required 680

436331148

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 718 exceed  guideline requirement of 600  with  118 points. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years  at current address CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 63.29% below maximum of 85%

436331152

XXXXXX

PA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70 % below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 773 exceed guideline requirement of 600 with 173  points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $107,113.43  or 115.09 months PITI

436978847

XXXXXX

OK

(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:  5.41 months piti reserves in file 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 687

436331154

XXXXXX

NV

(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:  5YRS VS 2YRS CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  724 vs 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  65% vs 85%

436331155

XXXXXX

SC

(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%; Program max- 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qual score- 740; Program min- 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Required Reserves: $0Available Reserves: $291,249.23

436331161

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65% below maximum of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $300,134.57  or  63.91 months PITI CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 729 exceed guideline requirement of 600  with  129 points.

436331163

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  815 vs 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  66% vs 80% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments:  0 x 30 in history

436331585

XXXXXX

MD

(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 - $112,387.88 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score exceeds guidelines - 690 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV below guideline requirements - 75.00

436978856

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  PITI of 36.49 exceeds the 6 required CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  borrower has no derogatory payment history CFCFS2860: Good credit history - Clayton Comments:  borrower has minimum derogatory credit history

436331181

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  The LTV is 64.23% and guidelines allow the LTV to be 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  :  Verified: $XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The middle credit score is 724 and guidelines allow a credit score of 680

436978902

XXXXXX

NJ

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO 712 exceeds the 680 required CFCFS1736: Significant time at current residence - Clayton Comments:  borrower has been at residents for 5 yrs CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  no derogatory payment history

436331204

XXXXXX

NY

(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 37.59 months PITI of 6 months PITI required CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower 711 credit score exceeds the minimum 680 required CFCFS1739: Postive mortgage payment history - Clayton Comments:  borrower has no derogatory mortgage payment history

436331217

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70 % below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 744 exceed guideline requirement of 600 with 144 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $179,670.91 or 125.15 months PITI

436331609

XXXXXX

NJ

(No Data)

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 $92,367.11  or  48.21 months of P&I reserves.

436331242

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR2300

Missing Second Appraisal required per guidelines

No

Loan amount $XXX. Per guideline require 2 appraisal >XXX. Provide 2nd appraisal.

4.21.2022-Client Response- Provided second appraisal 4.21.2022-XXX Response-Provided documentation satisfies exception

4.21.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower at current residence for 16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 39.95 months exceed guidelines 6 months PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 741 exceeds guidelines 680.

436331242

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation. XXX score 2.6.

4.21.2022- Client Response- Provided second appraisal within 10% tolerance4.21.2022- XXX Response- Provided documentation satisfies exception

4.21.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower at current residence for 16 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 39.95 months exceed guidelines 6 months PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 741 exceeds guidelines 680.

436978952

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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 assets after closing Cash Reserves $ 24,501.40 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in his profession for 25 Years CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at his current residence for 3 years 5 months

436978954

XXXXXX

MS

(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 716 exceed  guideline requirement of 600  with 116 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $62,063.15  or 41.02 months PITI

436978962

XXXXXX

PA

(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 residents for 14 years CFCFS2860: Good credit history - Clayton Comments:  Borrower has no derogatory credit history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has 53.54 months PITI to required 0

436978969

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  33.52 PITI exceeds the 0 required CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  701 FICO exceeds the 680 required CFCFS2860: Good credit history - Clayton Comments:  no derogatory history

436978972

XXXXXX

MD

(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 10 years  at current address CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 680 exceed  guideline requirement of 686 with  6 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $40,314.00  or 29.28 months PITI

436978983

XXXXXX

NC

(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

4.14.2022- Client Response- Provided 10044.14.2022- Clayton Response- Exception Satisfied

4.14.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  703 VS 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% VS 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $193,100.11; Required reserves: 0.00

436978985

XXXXXX

MD

(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 for 5 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower score of 711 exceeds guidelines of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets after closing 26.34 mos. PITI Cash Reserves $36,213.98

436331271

XXXXXX

MD

(No Data)

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 813 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55% CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower is using 4% of credit

436331272

XXXXXX

NC

(No Data)

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:  795 FICO exceeds the 680 required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  PITI of 131.17 exceeds the 6 required CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  no derogatory history

436331273

XXXXXX

NC

(No Data)

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 795 exceeds guideline minimum 620 CFCFS2860: Good credit history - Clayton Comments:  0x30, 60, 90 in past 24 months CFCFS1739: Postive mortgage payment history - Clayton Comments:  0x30, 60, 90 past 96 months

436331274

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $149,055.35 exceed guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 795 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75% is below guideline requirements

436331277

XXXXXX

NC

(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

Note & Mtg. in file reflect zip code XXXHUD-1 & Appraisal in file reflect zip code XXXProvide clarification for these discrepancies.

5.5.2022- Client provided Note and Mortgage that reflects correct zip code to match final HUD and appraisal- exception to be satisfied

5.5.2022- Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  795 FICO exceeds the 680 required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  11.86 PiTI exceeds the 6 required CFCFS2860: Good credit history - Clayton Comments:  no derogatory credit history

436331279

XXXXXX

NC

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Verified Loan Proceeds used for reserves of $XXX

5.2.2022- Client Provided hud-1 from reo non-subject property5.2.2022-Clayton Response- Provided documentation satisfies exception

5.2.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 795 exceed  guideline requirement of 600  with 195 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $15,989.94  or  5.35 months PITI

436331279

XXXXXX

NC

(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

CRDTER2548

Missing AUS or AUS errors present

No

Missing Committee approval.  Borrower refinancing 9 properties.

5.2.2022- Client Response- Provided committee approval dated XXX 5.2.2022-Clayton Response- Provided documentation satisfies exception

5.2.2022-  Exception satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 75% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 795 exceed  guideline requirement of 600  with 195 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $15,989.94  or  5.35 months PITI

436978987

XXXXXX

NY

(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 verified cash reserves $65,465.97 exceed guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score 768 exceed guiudelines CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 2 years

436331280

XXXXXX

NY

(No Data)

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 745 exceeds 680 required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has reserves of $13,393.97 of $0 required CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 65% is below the 85% max allowed

436978990

XXXXXX

NY

(No Data)

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:  768 FICO exceeds the 680 required CFCFS2860: Good credit history - Clayton Comments:  no derogatory history CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  no derogatory payment history

436331287

XXXXXX

NY

(No Data)

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 716.  Minimum score is 680. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is 59.6.  Max LTV is 75% CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower at current residence for 7 years.

436979001

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico is 718 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:  27.31 months piti reserves

436331294

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  788 vs 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified reserves $ $230,574.00; Required reserves: $15,057.72 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 70% below guideline requirements 80%.

436979024

XXXXXX

CT

(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 Reserves $5585.45 exceed guidelines $0. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at residence for 11 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower credit score of 669 exceeds guideline of 600.

436979025

XXXXXX

CO

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

Federal Consumer Protection

Satisfied

B

A

B

A

CMPFDCP849

TILA - Required ARM Loan Program Disclosure missing

No

Missing ARM Loan Program Disclosure.

4.12.2022- Client Response-Provided disclosure4.12.2022-Clayton Response- Provided documentation satisfies exception

4.12.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 747 which exceeds the guidelines of 720 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in his profession for 34 years

436979025

XXXXXX

CO

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

Federal Consumer Protection

Satisfied

C

A

C

A

CMPFDCP2109

ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period

No

Missing Closing Disclosure.

4.12.2022- Client Response-Provided closing disclosure4.12.2022-Clayton Response- Provided documentation satisfies exception

4.12.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 747 which exceeds the guidelines of 720 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in his profession for 34 years

436979025

XXXXXX

CO

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

Satisfied

B

A

B

A

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

Missing List of homeowners counseling organizations.

4.12.2022- Client Response- Provided counseling list4.12.2022-Clayton Response- Provided documentation satisfies exception

4.12.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 747 which exceeds the guidelines of 720 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in his profession for 34 years

436979025

XXXXXX

CO

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Right of Rescission

Satisfied

B

B

B

B

CMPROR1909

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

No

Exception satisfied; XXX issue. H8 used for not same lender.

4.12.2022- Client Response- Provided Form H84.12.2022-Clayton Response- Provided documentation satisfies exception

4.12.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 747 which exceeds the guidelines of 720 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in his profession for 34 years

436979025

XXXXXX

CO

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR1911

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

No

Exception satisfied; XXX issue. H8 used for not same lender.

4.12.2022- Client Response- Provided Form H8- corrected4.12.2022-Clayton Response- Provided documentation satisfies exception

4.12.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 747 which exceeds the guidelines of 720 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in his profession for 34 years

436979025

XXXXXX

CO

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

Missing Closing Disclosure.

4.12.2022- Client Response- Provided CD4.12.2022-Clayton Response- Provided documentation satisfies exception

4.12.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a qualifying score of 747 which exceeds the guidelines of 720 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in his profession for 34 years

436979028

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at residence for 5 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Cash Reserves $34,680.91 exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 74% Which is below guideline requirements of 85%

436979032

XXXXXX

IL

(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:  644 vs 640 CFCFS1737: LTV below guideline requirements - Clayton Comments:  65% vs 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified Reserves: $44,822.14; Required reserves: $9,541.38

436979034

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Missing Final Closing Disclosure. The POST CD XXX reflects a closing date of XXX.

4/15/2021 - Upon further review Lender provided the Executed Final CD. No further documentation needed for this exception.

4/15/2021 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:   Total assets verified $434,457.22.  Required reserves $8978.67 X 6 = $53,872.02 CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement

436979034

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

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

No

The Final CD is missing from the file; however, Seller fees listed on Seller 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

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:   Total assets verified $434,457.22.  Required reserves $8978.67 X 6 = $53,872.02 CFCFS2860: Good credit history - Clayton Comments:  Good credit history CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI below guideline requirement

436979037

XXXXXX

FL

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

A

B

A

CMPTRID5293

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has 61.18 months PITI to 3 months required CFCFS2860: Good credit history - Clayton Comments:  borrower has no derogatory payment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  borrower 670 FICO exceeds the 660 required

436979037

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID5215

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

No

Missing Seller CD.

4.13.2022- Client Response- Provided Seller CD4.13.2022- Clayton Response- Provided documentation satisfies exception.  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.

4.13.2022- Exception Satisfied

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has 61.18 months PITI to 3 months required CFCFS2860: Good credit history - Clayton Comments:  borrower has no derogatory payment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  borrower 670 FICO exceeds the 660 required

436979037

XXXXXX

FL

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

Missing all CD's and/or Post Closing CD's issued to borrower.

4.12.2022- Client Response- Provided CD (prelim) and final4.12.2022- Clayton Response- Provided documentation satisfies exception

4.12.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has 61.18 months PITI to 3 months required CFCFS2860: Good credit history - Clayton Comments:  borrower has no derogatory payment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  borrower 670 FICO exceeds the 660 required

436979037

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

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

No

Missing Seller CD.

4.13.2022- Client Response- Provided Seller CD4.13.2022- Clayton Response- Provided documentation satisfies exception

4.13.2022- Exception Satisfied

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrower has 61.18 months PITI to 3 months required CFCFS2860: Good credit history - Clayton Comments:  borrower has no derogatory payment history CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  borrower 670 FICO exceeds the 660 required

436979038

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Primary borrower has lived in current residence over 55 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of  809 exceeds the 720 credit score requirement by 89 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers have verified effective assets of $319,777.08; required to close of $62,243.30; reserves of $257,533.78 or 191.78 months PITIA remains.

436979042

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 12 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $36,225.35 or 18.08 months PITIRequired reserves are 3 months PITI at $2,003.97x3= $6,011.91 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 35.01%

436979043

XXXXXX

GA

(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:  46.57 months PITI reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 61.68% CFCFS5269: Minimal use of credit - Clayton Comments:  Borrower has 0% utilization in file of credit

437220055

XXXXXX

NJ

(No Data)

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:  767 credit score is 67 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  50.79% LTV is 24.21 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $303,311.36 or 97.98 months of PITIARequired PITIA Reserves are $3,095.80 x 3 months = $9,287.40

437452217

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 5.29 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO 98 points above guideline minimum

437452218

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  792 credit score is 92 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $96,277.82 or 26.52 months of PITIARequired PITIA Reserves are $3,630.66 x 3 months = $10,891.98

437452222

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

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

No

Realtor 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

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 25 years in profession CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% exceeds guidelines.

437452222

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

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

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 25 years in profession CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% exceeds guidelines.

437452222

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

01.21.22 Updated value received, appraised value supported.

01.21.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 25 years in profession CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70% exceeds guidelines.

436720424

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

D

A

C

A

D

A

C

A

D

A

C

A

Compliance

Federal Higher-Priced

Satisfied

C

A

C

A

CMPFDHP2061

Federal higher-priced mortgage loan; no evidence escrow account was established at closing.

No

Federal higher-priced mortgage loan; no evidence escrow account was established at closing.

3/22/22 - Updated date in system that the rate was set.

3/22/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 23.12% which is below the required DTI of 49%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 35.41% which is below the required LTV of 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x34

436720424

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

D

A

C

A

D

A

C

A

D

A

C

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI Effective Date: XXXPCCD Disbursement Date: XXX

3/22/22 - Lender provided the proceeding policy showing HOI in effect XXX, and the new policy takes over on XXX, so coverage is complete.

3/22/22 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 23.12% which is below the required DTI of 49%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 35.41% which is below the required LTV of 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x34

436720424

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

D

A

C

A

D

A

C

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 23.12% which is below the required DTI of 49%. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 35.41% which is below the required LTV of 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x34

437452223

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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 804, minimum guideline score 660 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years and 5 months at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $76,735.59 or 15.66 months of P&I reserves Required P&I Reserves are $4,900.00 X 12 months = $58,800.00.

437220057

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  715 credit score is 15 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $1,234,377.67  or 257.47 months of PITIARequired PITIA Reserves are $4,794.23 x 3 months = $14,382.69

437220058

XXXXXX

OK

(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 755, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $16,508.14 or 7.43 months of PITIA reserves Required PITIA Reserves are $2,222.05 X 3 months = $6,666.15.

436918740

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.30.22 Updated value received, appraised value supported.

03.30.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 63.87%, maximum allowed 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 726, minimum guideline score 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0X30X99 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 36.10%, maximum allowed 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $10,885.37 or 4.38 months of PITIA reserves Required PITIA Reserves are $2,483.62 X 3 months = $7,450.86.

436918741

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.30.22 Updated value received, appraised value supported.

03.30.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of  48.61% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of  36.11% below maximum of 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 731 exceed guideline requirement of 700 with 31 points.

437220059

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  731 Credit score exceeds guidelines minimum of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $18,524.96 or 16.82 months of PITIA reserves.Required PITIA Reserves are $1,101.05 x 3 = $3,303.15.

436918743

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 711, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $42,282.33 or 27.30 months of PITIA reserves Required PITIA Reserves are $1,548.53 X 3 months = $4,645.59.

436918745

XXXXXX

FL

(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

Missing sufficient insurance coverage.

3/14/22 - Upon further review, there is sufficient coverage under the replacement costs section of the coverage checklist.

3/14/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 10% is below max guideline requirements CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50+ CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $1,658,290.74 or 273.71 months of PITIA CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has lived at current residence for the past: 25 years

436720427

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x52 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $155,245.52 or 138.32 months PITIRequired reserves are 3 months PITI at $1,122.37x3= $3,367.11

437452225

XXXXXX

NV

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700

437029704

XXXXXX

NV

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  769 credit score is 69 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $158,663.93 or 61.70 months of PITIARequired PITIA Reserves are $2,571.69 x 3 months = $7,715.07

436918748

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $499,102.34  or 149.13months of  PITI Required  Reserves are $3,346.58  x 3 = $ 10,039.74 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is below guidelines 63.04%, requirements is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 792, minimum score allowed is 700. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has owned and resided in primary residence for 14 years.

436720429

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years and 1 month at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  6 years at current residence.

436720432

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $189,702.73  or 443.45 months of P&I reserves.Required  Reserves are $4,365.97 x 12 = $52,391.64 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 20.46%  below guidelines maximum of 49%.

436918752

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 62.20% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history exceeds guidelines of 24 month

436720433

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  790 qualifying score. Min required per guidelines is 700.

437452226

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

5.6.22 - Lender provided desk review.

5.6.22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  715 credit score is 15 points above the minimum required per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.42% DTI is 16.58 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $66,378.43 or 35.82 months of PITIA Required PITIA Reserves are $1,853.14 x 3 months = $5,559.42

437029705

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $312,505.07 or 57.02 months of  PITI Required PITI Reserves are $5,480.17 x 3 = $ 16,440.51 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700 CFCFS1736: Significant time at current residence - Clayton Comments:  12 years

437220060

XXXXXX

IN

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Dwelling Insurance is XXX

4/15/22 - Lender provided an updated HOI with coverage of $XXX, sufficient coverage.

4/15/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  65% LTV is below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $195,269.56 or 115.85 months of PITIA reserves.Required PITIA Reserves are $1,685.60 x 3 = $5,056.80.

436720443

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing desk review to support value of $XXX.

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 80% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years at the current job. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 5 years in their profession. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets :Borrower's Post Close Assets are $289,857.72 or 57.05 months of P&I reserves.Required P&I Reserves are $5080.23 x 6 = $30.481.38

436918760

XXXXXX

UT

(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 7 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 742, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $26,002.49 or 13.35 months of PITIA reserves Required PITIA Reserves are $1,948.30 X 3 months = $5,844.90.

436720445

XXXXXX

SC

(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% LTV below guideline requirements 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  779 credit score exceeds guidelines >700 CFCFS1736: Significant time at current residence - Clayton Comments:  4 years at current primary residence

436918764

XXXXXX

FL

(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:  790 credit score exceeds guidelines >700 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 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $12,179.62  or 8.41 months of PITI Required PITI Reserves are $1,449.02 x 3 months = $ 4,347.06

436720450

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 29.71% which is below the required DTI of 49%. CFCFS1736: Significant time at current residence - Clayton Comments:  8 years at current residence.

436720451

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 59.77%, maximum allowed 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 732, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $244,886.29 or 118.47 months of PITIA reserves Required PITIA Reserves are $2,067.04 X 3 months = $6,201.12.

437452227

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  794 credit score is 94 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  54.55% LTV is 25.45 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $48,628.51 or 19.20 months of PITIARequired  PITIA Reserves are $2,532.67 x 3 months = $7,598.01

436720454

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  813 credit score is 93 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  41.50% LTV is 43.50 points below the maximum allowed per guideline CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 12 years and 6 months on current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 7 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  35.40% DTI is 13.60 points below the maximum allowed per guideline

436720457

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 770, minimum guideline score 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0X30X82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $177,149.66 or 93.89 months of PITIA reserves Required PITIA Reserves are $1,886.77 X 3 months = $5,660.31.

436918772

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSET Comment:Post Close Assets are $1,834,528.95 or 963.53 months of  PITI Required  Reserves are $1,903.96 x 3 = $5,711.88 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 773, minimum score allowed is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is below guidelines 70.51%, requirements is 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x60

437220061

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 61.18%, maximum allowed 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $12,616.65 or 5.87 months of PITIA reserves Required PITIA Reserves are $2,150.44 X 3 months = $6,451.32.

436720462

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Missing 2 months of XXX

3/29/22 - Lender provided a Bank VOD with opening date and balance.

3/29/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$58,014.35 or 24.89  months of P&IP&I Reserve Requirement $2,330.75 X 12 = 27,969.00 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.34% below guideline requirement 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 760 exceeds guidelines 700

436720462

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $$58,014.35 or 24.89  months of P&IP&I Reserve Requirement $2,330.75 X 12 = 27,969.00 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 34.34% below guideline requirement 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 760 exceeds guidelines 700

436918775

XXXXXX

SC

Non-QM: Lender documented all ATR UW factors

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 66%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 795, minimum guideline score 720 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower LTV 11.68%, maximum allowed 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $25,705.73 or 13.11 months of P&I reserves Required P&I Reserves are $1,960.34 X 3 months = $5,881.02.

436918776

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.06.22 Updated value received, appraised value supported.

04.06.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 7 years and 2 months at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $103,852.17 or 25.32 months of P&IRequired P&I Reserves are $4,101.60 x 12  months = $49,219.20

436720463

XXXXXX

IN

(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: $147,810.38 or 50.60 Months PITIA, 3 months reserve required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  797 qualifying score. Min required per guidelines is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75.00%; max allowed per guidelines is 80.00%.

436720464

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.29.22 Updated value received, appraised value supported.

03.29.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $104,202.23 or 12.52 months of P&I Required P&I Reserves are $8,287.58 x 12= $ 99,450.96 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 780, minimum score allowed is 700.

436720465

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  54% LTV below guideline requirements 65% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves/assets exceed guideline requirements. Post Close Assets are $254,059.84 or 122.32 months of PITIRequired PITI Reserves are $2,076.87 x 3 months = $ 6,230.61

436918780

XXXXXX

AZ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  65% LTV is below guideline maximum of 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $51,050.81 or 22.61 months of PITIA reserves.Required PITIA Reserves are $2,257.72 x 3 = $6,773.16. CFCFS1736: Significant time at current residence - Clayton Comments:  6 years at current residence.

436720467

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 33.84%; max allowed per guidelines is 70.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower resided in their primary for the past 10 years

436918782

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

04.06.22 Updated value received, appraised value supported.

04.06.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  5 years and 3 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  7 years and 6 months at current residence.

437029707

XXXXXX

SC

(No Data)

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 720 exceeds the Program Guidelines of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower has  45 months PITI reserves CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 70%

436918783

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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:  49.84% LTV is below guideline maximum of 65%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $137,685.27 or 17,56 months of P&I reserves.Required P&I Reserves are $7,838.78 x 12 = $94,065.36.

436720469

XXXXXX

NV

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years and 2 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 34.94% which is below the required DTI of 49%.

436720471

XXXXXX

TN

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 62.16%, maximum guideline score 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 769, minimum guideline score 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0X30X77 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $107,765.96 or 121.54 months of PITIA reserves Required PITIA Reserves are $886.67 X 3 months = $2,660.01.

437029708

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has 7 years and 1 month at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% LTV is 10 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $76,513.24 or 69.29 months of PITIARequired PITIA Reserves are $1,104.22 x 3 months = $3,312.66

437220063

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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:  12 years and 2 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  8 years at current residence.

437029709

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is below guidelines 55%, requirements is 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $86,672.78  or 84.01 months of  PITI Required  Reserves are $1,031.59  x 3 = $ 3,094.77

436918786

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 775 is above required guideline 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves $56,316.09 exceeds PITIA Reserve Requirement

436720475

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 70.00%; max allowed per guidelines is 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  740 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $51,296.51 or 16.22 months PITIA, guidelines required 3 months PITIA.

437220064

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  47.31% LTV is 17.69 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $62,153.66 or 14.81 months of PITIARequired PITIA Reserves are $4,195.38 x 9 months = $37,758.42

436720478

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  758 qualifying score. Min required per guidelines is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75.00%; max allowed per guidelines is 80.00%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $98,771.52 or 57.76 months PITIA, guidelines required 3 months PITIA.

436720479

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original Appraised value

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  4 years and 10 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Max DTI 49. File DTI 42.50. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $58,994.57 or 17.36 months of P&I.Required P&I Reserves are 3,397.60 x 12 = $40,771.20

436720480

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x51 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of  43.86% below maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of  44.79% below maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 752 exceed guideline requirement of 720 with  32 points.

437029710

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.07.22 Updated value received, appraised value supported.

04.07.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers Post Close Assets are $99,328.62 or 30.41 months of PITIA reserves.Required PITIA Reserves are $3,266.30 x 3 = $9,798.90 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 781, minimum score allowed is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 29.52%  below guidelines, requirement is 49%.

436918789

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Compliance

State High Cost

Satisfied

C

A

C

A

CMPSTHC877

CA High-Cost Loan by exceeding point and fee threshold

No

System information updated

(No Data)

Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $14,367.90  or 7.99 months of PITIA reserves Required PITIA Reserves are $1,797.73 X 3 months = $5,393.19. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 749, minimum guideline score 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 39.84%, maximum allowed 43%

436918789

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.30.22 Updated value received, appraised value supported.

03.30.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $14,367.90  or 7.99 months of PITIA reserves Required PITIA Reserves are $1,797.73 X 3 months = $5,393.19. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 749, minimum guideline score 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 39.84%, maximum allowed 43%

437220065

XXXXXX

FL

(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 6 years and 1 month at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $658,294.71 or 128.91 months of PITIARequired PITIA Reserves are $5,106.63 x 9 months = $45,959.67

436720481

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  762 qualifying score. Min required per guidelines is 700. CFCFS2854: Significant time in profession - Clayton Comments:  5 years in current profession. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Max LTV 85% File LTV 64.76%.

437029711

XXXXXX

MD

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

04.11.22 Updated value received, appraised value supported.

04.11.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  41.47% DTI is below guideline maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $36,617.25 or 17.66 months of PITIA reserves.Required PITIA Reserves are $2,073.66 x 3 = $6,220.98.

436720486

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 42.22% which is below the required DTI of 49%. CFCFS1736: Significant time at current residence - Clayton Comments:  25 years at current residence.

436720486

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI is 42.22% which is below the required DTI of 49%. CFCFS1736: Significant time at current residence - Clayton Comments:  25 years at current residence.

437220066

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV 65%; guidelines allow a maximum LTV 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's verified reserves 45.08 months; guidelines only require (3) months.

436918792

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 80%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 766, minimum guideline score 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 41.76%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $75,481.28 or 15.10 months P&I reserves Required P&I Reserves are $4,996.54 X 12 months = $59,958.48.

436918792

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.06.22 Updated value received, appraised value supported.

04.06.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 80%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 766, minimum guideline score 720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 41.76%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $75,481.28 or 15.10 months P&I reserves Required P&I Reserves are $4,996.54 X 12 months = $59,958.48.

436918793

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.06.22 Updated value received, appraised value supported.

04.06.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 85% CFCFS1736: Significant time at current residence - Clayton Comments:  20 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  727 Credit score exceeds guidelines >720 CFCFS1744: DTI below guideline requirement - Clayton Comments:  33.67 DTI below guideline requirements<49%

437029716

XXXXXX

IN

(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:  18 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $56,467.62 or 10.31 months of PITIA reserves.Required PITIA Reserves are $5,475.33 x 3 = $16,425.99.

436918794

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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:  23 years and 2 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  8 years at current residence.

437220067

XXXXXX

MO

(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 $17,027.82  or11.36 months of  PITI Required  Reserves are $1,497.67  x 3 = $ 4,493.01 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 746, minimum score allowed is 700.

437029717

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

04.15.22 Updated value received, appraised value supported.

04.15.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for over 10 years.

436720489

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 16.6 months P&I exceeds guideline minimum of 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 30 points below guideline maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

436918796

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Post Close Assets are $20,376.70 or 10.24 months of P&I Required P&I Reserves are $1,989.83 x 12 months = $23,877.96

4/5/22 - Lender provided a Post Close XXX Statement with a balance of $25,,026.20, exceeding the $23,,877.96 reserve requirements

4/5/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 credit score is 63 points above the minimum required per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.66% DTI is 12.34 points below the maximum allowed per guideline

436918796

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.06.22 Updated value received, appraised value supported.

04.06.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 credit score is 63 points above the minimum required per guideline CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.66% DTI is 12.34 points below the maximum allowed per guideline

437029718

XXXXXX

MD

(No Data)

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 707, minimum guideline score 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0X30X95 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $84,919.51 or 20.32 months of PITIA reserves Required PITIA Reserves are $4,179.57 X 3 months = $12,538.71.

437452228

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP3822

Missing or incomplete documentation related to citizenship/residency

No

Missing EAD.

5/12/22 - Lender provided clarification on guide lines used.  Borrower does meet the guidelines

5/12/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  13 Years and 10 Months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  18 Years at current residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $412,905.13 or 109.22 months of P&I reserves.Required P&I Reserves are $3,393.65 x 12 = $20,361.90. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 70%

437452228

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

05.17.22 Updated value received from client, appraised value supported.

05.17.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  13 Years and 10 Months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  18 Years at current residence. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x82 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $412,905.13 or 109.22 months of P&I reserves.Required P&I Reserves are $3,393.65 x 12 = $20,361.90. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49% CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 10 points below guideline maximum of 70%

436918797

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Property Valuations

Appraisal

Satisfied

A

A

A

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.30.22 Updated value received, appraised value supported.

03.30.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  3 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  736 qualifying score. Min required per guidelines is 720.

436720491

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 46.66 months PITIA exceeds guideline minimum of 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 30 points above guideline minimum

436918798

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 32 years and 1 month on current job CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 15 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  759 credit score is 79 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $461,602.58  or 26.43 months of P&I Required P&I Reserves are $17,463.42 x 12  months = $209,561.04 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x98

436918800

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

04.06.22 Updated value received, appraised value supported.

04.06.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  23 years and 7 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  34.66% DTI is below guideline maximum of 49% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 30 years.

436918801

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

04.06.22 Updated value received, appraised value supported.

04.06.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 743    is above guideline requirement 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 39.58% below guideline requirement 49%

436918802

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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:  787 Credit Score exceeds guideline minimum of 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $49,543.28 or 19.44 months of P&I reserves.Required P&I Reserves are $2,548.09 x 12 = $30,577.08

436918803

XXXXXX

NV

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 14.46 months PITIA exceeds guideline minimum of 9 months

437029723

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.11.22 Updated value received, appraised value supported.

04.11.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 12 years at current job CFCFS1736: Significant time at current residence - Clayton Comments:  B1 has 13 years at current  primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 57.06%, maximum allowed 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 13.68%, maximum allowed 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $84,066.57 or 42.25 months of P&I reserves Required P&I Reserves are $1,989.82 X 3 months = $5,969.46.

437029724

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 776 exceed required guideline required 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% is below required guideline 85%

437029725

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $21,858.64 or 8.46 months of PITIA reserves.Required PITIA Reserves are $2,584.23 x 3 = $7,752.69

437029728

XXXXXX

GA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 58.47%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $23,378.50 or 15.62 PITIA, guidelines required 3 months PITIA.

436720492

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for over 18 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

436720492

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

03.25.22 Updated value received, appraised value supported.

03.25.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at current job for over 18 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

437029729

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $18,659.55 or 12.78 months PITIA, guidelines required 3 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700

436918806

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 128.64 months PITIA exceeds guideline minimum of 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 5 points below guideline maximum of 55%

437220069

XXXXXX

PA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.20.22 Updated value received, appraised value supported.

04.20.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  759 qualifying score. Min required per guidelines is 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is for 31 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $30,202.16, or 31.38 months PI, guidelines required 12 months PI. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 34.34%, max per guidelines is 49%.

436918808

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score 723 above guideline requirement 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 65 is below guideline requirements 70

436918810

XXXXXX

WA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 70%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 718, minimum guideline score 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 28.78%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $52,306.84 or 21.36 months of P&I reserves Required P&I Reserves are $2,448.65 X 12 months = $29,383.80.

436918811

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.30.22 Updated value received, appraised value supported.

03.30.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 736, minimum guideline score 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 4 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower DTI 42.30%, maximum allowed 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $40,146.99 or 15.71 months of P&I reserves Required P&I Reserves are $2,556.09 X 12 months = $30,673.08.

437452232

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

05.17.22 Updated value received from client, appraised value supported.

05.17.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  44.15% DTI is below guideline maximum of 49% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $35,347.56 or 13.60 months of P&I reserves.Required P&I Reserves are $2,598.63 x 12 = $31,183.56.

437029733

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 29.27 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO >90 points above guideline minimum

437220071

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 46 months PITIA exceeds guideline minimum of 9 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

437029735

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  725 Credit score exceed required guideline 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% exceeds required guideline 80%

437220072

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 10 years and 9 months on current job CFCFS1744: DTI below guideline requirement - Clayton Comments:  38.66% DTI is 10.34 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $45,474.25 or 20.86 months of P&I.Required P&I Reserves are $2,179.64 x 6  months = $13,077.84

437029736

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 784 exceed required by guideline 720 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 75% below guideline requirement 85%

437029737

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

437220076

XXXXXX

VA

(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 107.25 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 40 points above guideline minimum

437452235

XXXXXX

FL

(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 18 years at current residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $25,098.64 or 9.28 months of PITIARequired PITIA Reserves are $2,705.75 x 3 months = $8,117.25

437220077

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Compliance

Federal Higher-Priced

Satisfied

C

A

C

A

CMPFDHP2958

Federal Higher-priced mortgage loan - No evidence that copy of appraisal provided at least 3 days prior to closing.

No

Federal Higher-priced mortgage loan

4/18/22 - Lender provided document tracking as evidence the appraisal was received more than 3 days prior to closing.

4/18/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 723, minimum score allowed is 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is below guidelines 75%, requirements is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 42.68, max allowed is 49%

437220077

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.20.22 Updated value received, appraised value supported.

04.20.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower representative score is 723, minimum score allowed is 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV is below guidelines 75%, requirements is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Borrower's DTI is 42.68, max allowed is 49%

437220078

XXXXXX

NC

(No Data)

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 score. Min required per guidelines is 700.

437220081

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 16.99 months PITIA exceeds guideline minimum of 3 months

437029746

XXXXXX

OH

(No Data)

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:  764 qualifying score. Min required per guidelines is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 74.00%; max allowed per guidelines is 80.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current residence for the past 5 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $13,068.44 or 8.43 months of PITIRequired PITI Reserves are $1,549.8 x 3 months = $4,649.4

437220082

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 804, minimum guideline score 700 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 4.67%, maximum allowed 80% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $139,647.09 or 24.31 months of PITIA reserves Required PITIA Reserves are $5,745.39 X 3 months = $17,236.17.

437220083

XXXXXX

HI

(No Data)

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:  778 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSET Comment:Post Close Assets are $212,300.64 or 94.24 months of P&I Required P&I Reserves are $2,252.70*3= $6,758.10 .

437220084

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 65%, maximum allowed 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 784, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $167,309.97 or 60.19 months of PITIA reserves Required PITIA Reserves are $2,779.50 X 3 months = $8,338.50.

437220085

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.20.22 Updated value received, appraised value supported.

04.20.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  22 years and 3 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  24 years and 5 months at current residence.

437220086

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

C

A

C

A

CMPATRQM2900

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.

No

Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination.

4/15/22 - Additional data input satisfied the exception.

4/15/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit Score 760; guidelines require a minimum Credit Score 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSET:Post Close Assets are $86,757.92  or 30.98 months of P&I.Required P&I Reserves are $2087.73 x 12 = $25,052.76.

437220086

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

C

A

C

A

CMPATRQM2906

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors

No

Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors

4/15/22 - Additional data input satisfied the exception.

4/15/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit Score 760; guidelines require a minimum Credit Score 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSET:Post Close Assets are $86,757.92  or 30.98 months of P&I.Required P&I Reserves are $2087.73 x 12 = $25,052.76.

437220086

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

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

No

Missing Seller CD. Note, Seller CD is in file; page 384.

4/20/22 - Lender provided a copy of the missing Seller CD.

4/20/22 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit Score 760; guidelines require a minimum Credit Score 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSET:Post Close Assets are $86,757.92  or 30.98 months of P&I.Required P&I Reserves are $2087.73 x 12 = $25,052.76.

437220086

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.20.22 Updated value received, appraised value supported.

04.20.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit Score 760; guidelines require a minimum Credit Score 720. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSET:Post Close Assets are $86,757.92  or 30.98 months of P&I.Required P&I Reserves are $2087.73 x 12 = $25,052.76.

437029747

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

04.07.22 Updated value received, appraised value supported.

04.07.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  12 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $145,583.30 or 35.90 months of P&I reserves.Required P&I Reserves are $4,054.77 x 12 = $48,657.24.

437029748

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 6 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 50 points above guideline minimum

437220088

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 50%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  ASSET Comment:Post Close Assets are $91,301.42 or 13.54 months of PITIRequired PITI Reserves are $6744.51*3= $20,233.53

437220089

XXXXXX

WA

(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 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 811, minimum guideline score 700 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0X30X86 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $35,456.42 or 12.50 months of PITIA reserves Required PITIA Reserves are $2,836.66 X 9 months = $25,529.94.

437452238

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  725 credit score is 25 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 19 years at current residence

437220090

XXXXXX

MD

(No Data)

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:  795 credit score is 95 points above the minimum required per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  5 years at current residency

437220091

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

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

No

Missing  Seller CD.

4/19/22 - Received a copy of the missing seller CD.

4/19/22 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5 years and 9 months at current job CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 80%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 791, minimum guideline score 720

437220092

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $237,842.17 or 41.98 months of P&I reserves.Required P&I Reserves are $5,665.13 x 12 = $67,981.56.

437220092

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

04.20.22 Updated value received, appraised value supported.

04.20.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  10 years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $237,842.17 or 41.98 months of P&I reserves.Required P&I Reserves are $5,665.13 x 12 = $67,981.56.

437220093

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history is 0x30x24 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 22 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 52.05%, maximum allowed 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 781, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $101,217.84 or 16.33 months of PITIA reserves Required PITIA Reserves are $6,196.59 X 3 months = $18,589.77.

437220094

XXXXXX

GA

(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 $25,790.97 or 21.48 months of PITIRequired PITI Reserves are $1,200.00 x 3 = $3,600. CFCFS1736: Significant time at current residence - Clayton Comments:  Significant time at current residence of 6.6 years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Mortgage payment history of 73 months exceeds guidelines of 12 months.

437220095

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  The LTV is 80% and guidelines allow the LTV be 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $46,405.93 or 15.83 months of PITIA.PITIA Reserves are $2,931.39 x 12 = $35,176.68. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The middle credit score is 744 and guidelines allow the credit score to be 720

437452239

XXXXXX

FL

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  >50 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 41.51 points below guideline (Max DTI 43%)

437220096

XXXXXX

NV

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

437029751

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.07.22 Updated value received, appraised value supported.

04.07.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets are $212,735.82 or 195.35 months P&IRequired reserves are 6 months P&I at $1088.97x6= $6533.82 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 779 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 45.45%, max allowed is 85%

437220098

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 65.00%; max allowed per guidelines is 75.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  761 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $188,471.00 or 47.44 months of PITIRequired PITI Reserves are $3,973.06 x 3 months = 11,919.18

437220099

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 59.12%; max allowed per guidelines is 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  753 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $102,157.97 or 34.29 PITIA, guidelines required 3 months PITIA.

437452241

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  752 credit score exceeds 700 mid score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves post close $14,991.09Required 3 months @ 3805.35=$11,416.05

437220101

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:  Post Close Assets are $29,592.39 or 12.36 months of PITIRequired PITI Reserves are $2,393.89 x 3 = $7,181.67 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 73% below guideline requirements of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700

437220102

XXXXXX

OK

(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 75.00%; max allowed per guidelines is 80.00%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  724 qualifying score. Min required per guidelines is 700.

437452243

XXXXXX

CA

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

5/11/22 - Lender provided a copy of the missing valuation report supporting the value.

5/11/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  65% LTV is below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $255,373.83 or 287.38 months of PITIA reserves.Required PITIA Reserves are $888.63 x 9 = $7,997.67.

437220104

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.20.22 Updated value received, appraised value supported.

04.20.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:  Post Close Assets are $120,013.65 for 23.77 months of PITI.Required PITI Reserves are $5,048.77 x 12 = $60,585.24 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 5 years CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV at 75% below guideline requirements of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 720

437452244

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $116,683.33 or 27.99 months of P&I Required P&I Reserves are $4,168.70 x 12  months = $50,024.40 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been in this line of work in the past:21 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10 points below guideline maximum of 49%

437220105

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

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

(No Data)

Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years and 2 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  6 years and 6 months at current residence.

437220105

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support original appraised value.

04.20.22 Updated value received, appraised value supported.

04.20.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years and 2 months at current job. CFCFS1736: Significant time at current residence - Clayton Comments:  6 years and 6 months at current residence.

437220106

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 15.98 months PITIA exceeds guideline minimum of 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 150 points above guideline minimum

437220107

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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:  814 qualifying score. Min required per guidelines is 720. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 80.00%; max allowed per guidelines is 85.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 26.89%, max per guidelines is 50.00%. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in current owner occupied residence for 5 years.

437452248

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 7.49 months PITIA exceeds guideline minimum of 3 months.

437220112

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

Seller fees listed on Seller CD but not Borrower final CD. Satisfied with sourced document.

(No Data)

This exception is informational. Exception satisfied. Final Grade A

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

437220112

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

04.20.22 Updated value received, appraised value supported.

04.20.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

437220113

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 29.63 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 30 points above guideline minimum

437220114

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

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

No

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

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX with current business since XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 10% below the guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10% below guideline maximum of 49%.

437220114

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

04.20.22 Updated value received, appraised value supported.

04.20.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been XXX with current business since XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 10% below the guideline maximum. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 10% below guideline maximum of 49%.

437452249

XXXXXX

OK

(No Data)

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:  734 credit score is 34 points above the minimum required per guideline

437452250

XXXXXX

CA

(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 certificate

5/12/22 - Lender provided a copy of the missing Flood Certification.

5/12/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 65% , max allowed is 80% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in this line of work in the past:10 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 27% maximum allowed is 49

437452251

XXXXXX

LA

(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 05% is below max guideline requirements CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO exceed guideline minimum  700

437452252

XXXXXX

MD

(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 0x30x34 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 16 months PITIA exceeds guideline minimum of 9 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum

437452254

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  715 is 15 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  70% is 10 points below the maximum allowed per guideline CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years at current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  36.89% DTI is 12.11 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $241,472.86 or 40.71 months of P&IRequired P&I Reserves are $5,932.07 x 12 months = $71,184.84

437452255

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $21,461.38  or 8.49 months of P&I Required PITI Reserves are $2,528.20 x 3 = $7,584.60

437452256

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 785 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years and 3 months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  28.68% DTI is below guideline maximum of 49%

437220116

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR2400

Missing Flood Certification Document

No

Missing Flood Certification Document

4/20/22 - Lender provided a copy of the missing Flood Certificate.

4/20/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close assets are $62,089.59 or 15.93 months P&IRequired P&I reserves are  6 x $3,897.08 = $23,382.48 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 15 points below guideline maximum of 85% CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49%

437452257

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  56.96% LTV is 13.04 points below the maximum allowed per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $36,565.19 or 15.44 months of PITIARequired PITIA Reserves are $2,368.01 x 3 months = $7,104.03

437452259

XXXXXX

CA

(No Data)

ATR/QM: Exempt

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC150

Income docs do not meet guidelines

No

DSCR is 0.5118%; minimum allowed is 75%

5.17.22 - Lender provided corrected lock agreement showing correct program as XXX.

5.17.22 - Exception satisfied

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  minimal credit usage -one revolving with balance. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit report shows 0x30x70

437452262

XXXXXX

NV

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  737 credit score is 37 points above the minimum required per guideline CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.52% LTV is 20.48 points below the maximum allowed per guideline

437452263

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO > 100 points above guideline minimum CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 11.86 months PITIA exceeds guideline minimum of 9 months.

437452264

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

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:  80% LTV is below guideline maximum of 85% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets:Borrower's Post Close Assets are $92,245.06 or 21.01 months of P&I reserves.Required P&I Reserves are $4,391.00 x 12 = $52,692.00.

437452266

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 credit score is 83 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $21,477.39 or 13.52 months of PITIARequired PITIA Reserves are $1,588.62 x 3 months = $4,765.86

437452269

XXXXXX

NV

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

(No Data)

437452270

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 55% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $326,192.39 or 91.66 months of PITIA reserves.Required PITIA Reserves are $3,558.66 x 3 = $10,675.98

437452271

XXXXXX

NJ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $15,296.19 or 5.86 months of PITIA reserves Required PITIA Reserves are $2,612.49 X 3 months = $7,837.47.

437452273

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST3078

Insufficient # of months cash reserves for PITI per guideline requirements

No

Borrower's Post Close Assets are $46,778.68 or 5.63 months of P&I reserves Required P&I Reserves are $8,302.06 X 12 months = $99,642.72

5/20/22 - Upon further review of the guidelines, only 6 months reserves are required, between savings and cash back at closing borrower has sufficient funds.

5/20/22 - Exception satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 13 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 80%, maximum allowed 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 757, minimum guideline score 720 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments:  Borrower Mortgage payment 0X30X99

437317096

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's loan approval/underwriting form, Transmittal Summary form 1008

4/6/22 - Lender provided copies of the missing 1008 and conditional loan approval forms.

4/6/22 - Exception satisfied.

(No Data)

Not Applicable

(No Data)

436720494

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3618

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

No

Provide Initial CD

3/7/22 - Lender provided a copy of the missing CD

3/7/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 47.20 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 739

436720494

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Initial CD not in file.

3/7/22 - Lender provided a copy of the missing CD

3/7/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 47.20 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 739

436720494

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.11.22 Updated value received, appraised value supported.

03.11.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 47.20 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 739

436544209

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Missing Lender's Lock Confirmation.

2/22/22 - Lender provided a copy of the Rate Lock Confirmation.

2/22/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 16.82 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

436544209

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2670

Asset documentation is insufficient per guideline requirements

No

Guideline states account has to be opened more than 60 days, VOD in file missing open date.

3/2/22 - Lender proved VOD from XXX

3/2/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 16.82 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

436544209

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing Transmittal Summary Form (1008)

2/22/22 - Lender provided a copy of the missing 1008 approval.

2/22/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 16.82 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

436544209

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR167

Appraisal not Signed

No

Appraisal not Signed.

3/2/22 - Lender provided copy of the appraisal signed by the appraiser.

3/2/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 16.82 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

436318934

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 184.86 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

436918813

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 18.98 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 90 points above guideline minimum

436544210

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR275

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

No

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

3.3.22 - Lender provided completion cert

3.3.22 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 32.93 months PITIA exceeds guideline minimum of 3 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 70 points above guideline minimum

436614257

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Transmittal Summary form 1008

3/9/22 - Lender provided copies of the 1008 and Conditional Loan Approval

3/9/2 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score >80 points above guideline minimum CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 68.83% Maximum allowed 80%

436614258

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 17.70 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score is > 10 points above guideline maximum of 700

436331746

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Missing Business Purpose Loan Certification

2/24/22 - Lender provided a copy of the missing Business Purposes Loan Certification.

2/24/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 128.12 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum.

436331746

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing Transmittal Summary Form (1008)

2/24/22 - Lender provided a copy of the missing 1008 and Conditional Loan approval.

2/24/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 128.12 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum.

437049754

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median FICO >90 points above guideline minimum

436544211

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

File missing form 1008

3/7/22 - Lender provided a copy of the missing 1008 and the conditional loan approval.

3/7/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 40.20%, maximum allowed 70% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower Credit score 791, minimum guideline score 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $14,376.13 or 10.05 months of PITIA reserves Required PITIA Reserves are $1,430.40 X 9 months = $12,873.60.

436918815

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has 5 years and 6 months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $217,489.22  or 117.89 months of PITIARequired PITIA Reserves are $1,844.90 x 3 months = $5,534.70 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  744 credit score is 44 points above the minimum required per guideline

436918818

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Missing Lender's Lock Confirmation.

2/24/22 - Lender provided a copy of the missing Rate Lock Confirmation.

2/24/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 195.50 months P&I exceeds guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

436918818

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC2488

Verbal verification of employment missing

No

Missing Verbal VOE within 10 business days prior to note date for B2.

2/24/22 - Lender provided a copy of the VVOE verifying the borrower's employment within 10 days of closing.

02/24/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 195.50 months P&I exceeds guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

436918818

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing Transmittal Summary form (1008)

2/24/22 - Lender provided a copy of the missing 1008 and Conditional Loan Approval.

2/24/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 195.50 months P&I exceeds guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

436918818

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

03.01.22 Updated value received, appraised value supported.

03.01.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV > 20 points below guideline maximum of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 195.50 months P&I exceeds guideline minimum of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 100 points above guideline minimum

436480466

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA863

RESPA: Required Affiliate Business Disclosure missing

No

Need FACTS or ABA

3.4.22 - Lender provided ABA

3.4.22 - Exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 32.08 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum

436480466

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

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

3.4.22 - lender provided 1008

3.4.22 - exception satisfied

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 32.08 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum

436480466

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

03.11.22 Updated value received, appraised value supported.

03.11.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 32.08 months P&I exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 80 points above guideline minimum

436720497

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing 1008

3/15/22 - Lender provided a copy of the missing 1008 and Conditional Loan Approval.

3/15/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 760 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's Post Close Assets are $15,581.47 or 9.84 months of PITIA reserves.Required PITIA Reserves are $1,582.03 x 3 = $4,746.09

436614259

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

D

B

D

B

A

A

D

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

Please provide Seller CD.

3/9/22 - Lender provided a copy of the missing seller CD.

3/9/22 - Exception satisfied.

Numeric

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.39 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum

436614259

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

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

No

Please provide Seller CD.

3/9/22 - Lender provided a copy of the missing Seller CD.

3/9/22 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.39 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum

436614259

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

03.15.22 Updated value received, appraised value supported.

03.15.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 24.39 months P&I exceeds guideline minimum of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI > 20 points below guideline maximum of 49% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum

436614260

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has resided in their primary for the past 8yrs 6mos. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 70%, maximum allowed is 80%

436480467

XXXXXX

TX

(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

DEED and Associated Riders needed

3/3/22 - Lender provided a copy of eh missing mortgage and all appropriate riders.

3/3/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 13.56 months PITIA exceeds guideline minimum of 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum

436918820

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower's representative score is 808 CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower's LTV is 75%, maximum allowed is 80%

436614261

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA2720

RESPA - List of homeowners counseling organizations; insufficient information to confirm timely delivery.

No

Missing Date homeowners counseling list was delivered.

3/8/22 - Lender provided a copy of the Authorization for Counseling

3/8/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 15.24 months PITIA exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum

436614261

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3662

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

No

The initial CD: XXX, APR stated as 5.194%. Final CD: XXX, APR Stated as 5.327%, difference of 0.13%. Need COC to support change in APR within 3 business days of closing.

3/8/22 - Lender provided a COC for the XXX CD

3/8/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 15.24 months PITIA exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum

436614261

XXXXXX

TX

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation.

03.11.22 Updated value received, appraised value supported.

03.11.22 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 15.24 months PITIA exceeds guideline minimum of 12 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Median score > 50 points above guideline minimum

436918821

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $52,540.88 or 19.89 months of PITIARequired PITIA Reserves are $2,641.42 x 3 months = $7,924.26 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  810 credit score is 110 points above the minimum required per guideline

437220117

XXXXXX

TX

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Missing lender's 1008

4/11/22 - Lender provided a copy of the missing 1008 and conditional loan approval.

4/11/22 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of 11.98 months PITIA exceeds guideline minimum of 3 months

437452278

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $53,701.87 or 15.30 months of PITIARequired PITIA  Reserves are $3,443.59 x 9 = $30,992.31

437452279

XXXXXX

TX

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $47,167.11 or 16.58 months of PITIARequired PITIA Reserves are $2,845.58 x 3 months = $8,536.74

436331612

XXXXXX

AR

(No Data)

ATR/QM: Exempt

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5351

Insurance Effective date is greater than the transaction date

No

HOI Effective Date:XXXHUD-1 Disbursement Date: XXX

3.22.2022- Client Response- Provided dec page with effective date of policy XXXX3.22.2022-Clayton Response- Provided documentation satisfies exception

3.22.2022- Exception Satisfied

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 80% which is less than the required LTV of 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $18,713.83, cash to borrower at closing $0. Required reserves6months X $1,573.20 = $9,439.20. Excess reserves $9,274.63.

436331612

XXXXXX

AR

(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 Rent Schedule (Lease Agreement) and Comparable Rent Schedule.

3.19.2022- Client Response- Provided AIR NDA Market analysis3.19.2022- Clayton response- Provided documentation satisfies exceptions

3.19.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV is 80% which is less than the required LTV of 85%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Assets: Verified assets of $18,713.83, cash to borrower at closing $0. Required reserves6months X $1,573.20 = $9,439.20. Excess reserves $9,274.63.

436331621

XXXXXX

TN

(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

CMPDOC195

Missing Note

No

Missing exectued Note

3.18.2022- Client Response- Provided executed note3.18.2022- Clayton Response- Provided documentation satisfies exception

3.18.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  780 credit score is 100 points above the minimum required per guideline CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post Close Assets are $20,406.25  or 3.30 months of PITIARequired PITIA Reserves are $6,182.05 x 0 months = $ 0 CFCFS1739: Postive mortgage payment history - Clayton Comments:  0 x 30, 60, 60 past 43 months

436331298

XXXXXX

TN

(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 history past 25 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  49.29 months piti reserves

436331631

XXXXXX

FL

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score of 769 exceeds minimum sore needed of 680 by 89 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets of $292,746.12 exceed the Required Reserves of 6 months PITIA  $6191.19 x 6= $37,147.14 by $255,598.98

436979060

XXXXXX

TN

(No Data)

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 704 exceeds guidelines 600. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $55075.09, exceed guideline reserves $19535.34 required. CFCFS1739: Postive mortgage payment history - Clayton Comments:  Per CR report positive mortgage payment history with no late in past 13 months.

436979061

XXXXXX

NC

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Reserves of $79,479.16 or 11.24 months ITIA; per guidelines reserves of $ 0.00 or 0 months is required for ITIA. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV is 75% is 10% below maximum LTV guideline of 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 768 exceeds the 680 credit score requirement by 88 points.

436331309

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 43% Which is below guidelines of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrower has a Fico score of 768 which exceeds guideline of 680 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified assets after closing 37.99 mos PITI, Cash Reserves $110,093.46

436331652

XXXXXX

MI

Non-QM: Lender documented all ATR UW factors

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:  The borrower has occupied the subject property for 7 years CFCFS1734: Borrower has significant time at current job - Clayton Comments:  The borrower has been XXX for 21 years 11 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  The middle credit score is 648 and guidelines allow a credit score of 620

436331658

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Missing complete credit report in order to render an accurate ATR/QM status.

3.19.2022- Client Response- Provided credit report 3.19.2022- XXX Response- Provide documentation satisfies exception

3.19.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with 12 years at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $39,993.80 exceed guide lines. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been living at current residence for 25 years.

436331658

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID5291

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

No

POST CD XXX has corrected estimated escrow projected payments section, Exception is satisfied.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with 12 years at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $39,993.80 exceed guide lines. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been living at current residence for 25 years.

436331658

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

D

B

D

B

D

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 tolerance in amount of $89.08 due to increased fee on percentage of loan points in section A on CD: XXX with no valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD" reflecting lender's cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.

3.19.2022- Client Response- Provided COC dated XXX3.19.2022- XXX Response- Provided documentation satisfies exception

3.19.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with 12 years at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $39,993.80 exceed guide lines. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been living at current residence for 25 years.

436331658

XXXXXX

CA

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

Credit

Credit/Mtg History

Satisfied

D

A

D

A

CRDCRMH183

Credit report incomplete

No

Missing complete credit report.

3.18.2022- Client Response- Provided CR dated XXX (order date XXX)3.18.2022- XXX Response- Provided CR satisfies exception

3.18.2022- Exception Satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with 12 years at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $39,993.80 exceed guide lines. CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been living at current residence for 25 years.

436331673

XXXXXX

CA

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 687 exceeds guidelines 620. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV 36.32 below guideline requirements 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves 19 months exceed guidelines 6 months.

436331319

XXXXXX

NY

(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 65% below maximum of 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Borrowers qualifying credit of 786 exceed guideline requirement of 600 with 186  points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower's post close Assets are $146,040.85  or  92.62 months PITI

436331678

XXXXXX

MS

(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 credit, longest trade line is 88 months and a credit line usage ratio of 0%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying credit score is 780 which is above the minimum guideline requirement of 600. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Calculated LTV is 80% which is below the maximum allowable of 90%.

436331330

XXXXXX

SC

(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 53.24% CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Borrower is 0*30 consumer credit for 230 months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  118.61 months piti reserves in file

436331333

XXXXXX

AZ

(No Data)

ATR/QM: Exempt

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 753 exceed minimum of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 69.68 is less than the Maximum required of 75%

436331334

XXXXXX

FL

(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 last 25 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Qualifying fico is 785

436979092

XXXXXX

MA

(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 Reserves $117,455.61 exceed guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments:  Borrower LTV 75% is below guideline requirements CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower has been at current residence for 3 years

436979093

XXXXXX

FL

(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 RESIDENCE FOR 5 YEARS CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  53.4 PITI exceeds the 0 required CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  801 Fico exceeds the 680 required

Client Name:
Client Project Name:	CSMC 2022-NQM5
Start - End Dates:	1/19/2022 - 5/16/2022
Deal Loan Count:	297
Conditions Report 2.0
Loans in Report:	297
Loans with Conditions:	86

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

436720416

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918731

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437452214

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029694

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029695

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029696

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720419

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720420

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720421

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720422

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029698

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437452215

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436330939

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436330953

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436330966

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436978739

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978740

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331360

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

No

436331364

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331369

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331010

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Yes

436978748

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331387

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331394

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331401

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331025

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331041

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437029700

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331474

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331479

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331486

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436331487

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978780

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331489

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436331490

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978784

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331492

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331500

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331509

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978794

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Not Applicable

436331080

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978796

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331095

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Yes

436331532

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331104

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331107

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331108

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331111

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331544

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978816

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331113

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331119

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331565

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978831

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331133

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331144

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331148

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331152

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978847

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331154

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331155

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331161

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331163

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331585

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

436978856

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331181

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978902

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331204

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331217

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331609

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331242

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436978952

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978954

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978962

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436978969

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978972

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436978983

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436978985

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331271

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331272

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331273

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331274

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331277

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

436331279

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436978987

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331280

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436978990

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331287

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Yes

436979001

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331294

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979024

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979025

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

No

436979028

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979032

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

N/A

N/A

A

A

A

A

A

A

N/A

N/A

No

436979034

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

436979037

Yes

XXXXXX

XXXXXX

D

B

A

A

A

A

D

B

D

B

A

A

A

A

D

B

No

436979038

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979042

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979043

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220055

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452217

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452218

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452222

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436720424

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

C

A

D

A

C

A

D

A

C

A

Not Applicable

437452223

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220057

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220058

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918740

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436918741

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437220059

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918743

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918745

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436720427

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452225

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029704

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436918748

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436720429

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720432

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436918752

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720433

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437452226

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

437029705

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220060

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

436720443

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436918760

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720445

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918764

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720450

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436720451

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452227

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720454

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436720457

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918772

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437220061

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720462

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable

436918775

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918776

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436720463

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720464

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436720465

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918780

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720467

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918782

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437029707

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918783

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720469

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436720471

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029708

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220063

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029709

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918786

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720475

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220064

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720478

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720479

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436720480

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437029710

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436918789

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Not Applicable

437220065

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720481

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437029711

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436720486

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437220066

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918792

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436918793

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437029716

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918794

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220067

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437029717

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436720489

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918796

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Not Applicable

437029718

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452228

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable

436918797

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720491

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918798

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436918800

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436918801

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436918802

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918803

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029723

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437029724

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029725

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029728

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436720492

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437029729

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436918806

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220069

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

No

436918808

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918810

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918811

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437452232

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437029733

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220071

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029735

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220072

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029736

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029737

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220076

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452235

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437220077

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

No

437220078

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220081

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029746

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220082

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220083

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437220084

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220085

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437220086

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Not Applicable

437029747

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437029748

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220088

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437220089

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452238

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437220090

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220091

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

437220092

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437220093

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220094

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220095

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452239

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220096

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437029751

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437220098

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220099

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452241

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220101

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220102

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452243

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437220104

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437452244

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220105

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437220106

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220107

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452248

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220112

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437220113

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220114

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

437452249

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437452250

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

437452251

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452252

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452254

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437452255

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452256

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437220116

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

437452257

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452259

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

437452262

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437452263

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452264

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452266

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437452269

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452270

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452271

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452273

Yes

XXXXXX

XXXXXX

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Not Applicable

437317096

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436720494

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Not Applicable

436544209

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable

436318934

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918813

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436544210

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Not Applicable

436614257

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436614258

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331746

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

437049754

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436544211

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436918815

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436918818

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Not Applicable

436480466

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

B

A

D

A

D

A

D

A

B

A

Not Applicable

436720497

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

436614259

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Not Applicable

436614260

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436480467

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Not Applicable

436918820

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436614261

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Not Applicable

436918821

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

437220117

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Not Applicable

437452278

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

437452279

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331612

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

No

436331621

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

No

436331298

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331631

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979060

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436979061

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331309

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331652

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331658

Yes

XXXXXX

XXXXXX

D

B

D

A

A

A

D

B

D

B

D

A

A

A

D

B

No

436331673

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331319

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331678

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331330

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436331333

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

No

436331334

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979092

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable

436979093

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Not Applicable