|
Client Name:
|
||||||
|
Client Project Name:
|
TPMT 2025-CES3
|
|||||
|
Start - End Dates:
|
1/24/2025 - 4/25/2025
|
|||||
|
Deal Loan Count:
|
1,194
|
|||||
|
Conditions Report 2.0
|
||||||
|
Loans in Report:
|
1,194
|
|||||
|
Loans with Conditions:
|
282
|
|||||
|
0 - Total Active Conditions
|
||||||
|
349 - Total Satisfied Conditions
|
||||||
|
90 - Credit Review Scope
|
||||||
|
3 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
1 - Category: Application
|
||||||
|
17 - Category: Credit/Mtg History
|
||||||
|
3 - Category: DTI
|
||||||
|
15 - Category: Income/Employment
|
||||||
|
12 - Category: Insurance
|
||||||
|
25 - Category: Legal Documents
|
||||||
|
2 - Category: Potential Misrepresentation
|
||||||
|
4 - Category: Terms/Guidelines
|
||||||
|
8 - Category: Title
|
||||||
|
16 - Property Valuations Review Scope
|
||||||
|
11 - Category: Appraisal
|
||||||
|
1 - Category: FEMA
|
||||||
|
4 - Category: Property
|
||||||
|
243 - Compliance Review Scope
|
||||||
|
18 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
18 - Category: Compliance Manual
|
||||||
|
18 - Category: Documentation
|
||||||
|
1 - Category: Federal Consumer Protection
|
||||||
|
1 - Category: Repayment Ability
|
||||||
|
11 - Category: RESPA
|
||||||
|
17 - Category: Right of Rescission
|
||||||
|
9 - Category: Section 32
|
||||||
|
58 - Category: State Consumer Protection
|
||||||
|
4 - Category: State High Cost
|
||||||
|
7 - Category: Texas Home Equity
|
||||||
|
81 - Category: TILA/RESPA Integrated Disclosure
|
||||||
|
96 - Total Waived Conditions
|
||||||
|
4 - Credit Review Scope
|
||||||
|
1 - Category: Credit/Mtg History
|
||||||
|
3 - Category: DTI
|
||||||
|
3 - Property Valuations Review Scope
|
||||||
|
1 - Category: Appraisal
|
||||||
|
2 - Category: Property
|
||||||
|
89 - Compliance Review Scope
|
||||||
|
1 - Category: Documentation
|
||||||
|
88 - Category: Texas Home Equity
|
||||||
|
©2025 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:
|
TPMT 2025-CES3
|
|||||||||||||||||||||||||||||||||||||
|
Start - End Dates:
|
1/24/2025 - 4/25/2025
|
|||||||||||||||||||||||||||||||||||||
|
Deal Loan Count:
|
1,194
|
|||||||||||||||||||||||||||||||||||||
|
Conditions Report 2.0
|
||||||||||||||||||||||||||||||||||||||
|
Loans in Report:
|
1,194
|
|||||||||||||||||||||||||||||||||||||
|
Loans with Conditions:
|
282
|
|||||||||||||||||||||||||||||||||||||
|
RedactionID
|
Loan Number
|
LoanUID
|
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 Kroll & DBRS Overall Loan Grade
|
Final Kroll & DBRS Overall Loan Grade
|
Initial Kroll & DBRS Credit Loan Grade
|
Final Kroll & DBRS Credit Loan Grade
|
Initial Kroll & DBRS Property Valuations Loan Grade
|
Final Kroll & DBRS Property Valuations Loan Grade
|
Initial Kroll & DBRS Compliance Loan Grade
|
Final Kroll & DBRS Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial Kroll & DBRS Condition Grade
|
Final Kroll & DBRS Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
Compensating Factors
|
|
657F566B-1656-4DAD-887F-0024DDF27F62
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Documentation
|
Waived
|
B
|
B
|
B
|
B
|
CMPDOC5556
|
Note P&I doesn't equal XXX calculated P&I; payment schedule inaccuracy
|
No
|
Note reflects a P&I Payment of $XXX. Review calculation reflects $XXX.
|
01/XX/2025 Client provided a rebuttal stating For 2nd liens, the South Carolina Consumer Protection Code requires 365 days used for the interest
calculation. (S.C. Code Ann. 37-3-201(4)) our XXX report shows we calculated correctly. Calculator run again, condition remains.02/XX/25 Client provided the missing, Final XXX CD. Condition remains. Both CD and Note reflect a P&I payment
of $XXX. Internal testing P&I is $XXX.3/XX/2025 client provided an approved exception for Note calculation.
|
Initial and Final grade B.
|
Not Applicable
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 32.71% below guideline requirement of 45%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 6.83 years
|
|
EDA6E696-D261-494C-B0B9-988C4C8F0307
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
B
|
B
|
B
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
No
|
ROR is signed by the borrowers on XXX with an expiration date of XXX. Expiration date on form is prior to the end of the rescission period. Provide ROR
forms signed at closing with dates changed and initialed or Re-open Rescission dated allowing for the delivery, LOE to Borrower and evidence of delivery via tracking.
|
3/XX/2025 Client provided Copies of ROR forms with dates corrected, however the date changes for the Borrower 1 are not Initialed. Provide the Initialed
copy of the ROR for Borrower 1 executed at closing or reopen rescission for both with Transaction date corrected and Expiration dated allowing for delivery, LOE, and evidence of delivery.03/XX/2025 Client provided Initialed ROR and LOE
stating After Funding, few a corrections were found. Corrections for Rescission found after funding require re-opening Rescission, dated allowing for delivery, LOE to Borrower and evidence of delivery. 03/XX/2025 Client provided re-opened
ROR signed on XXX with expiration on XXX for all title holders.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 29.54% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 19.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 16.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 18.08 years
|
|
EDA6E696-D261-494C-B0B9-988C4C8F0307
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5740
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
No
|
All CD's reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien
Taxes, Insurance & Assessments is required. Provide PCCD with changes, LOE to Borrower and evidence of shipment.
|
03/XX/2025 Client provided PCCD XXX with correction, LOE and shipping Label for delivery.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 29.54% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 19.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 16.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 18.08 years
|
|
EDA6E696-D261-494C-B0B9-988C4C8F0307
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5741
|
TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null
|
No
|
All CD's- Loan Disclosures- Escrow Account- You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0.
Provide PCCD with changes, LOE to Borrower and evidence of shipment.
|
03/XX/2025 Client provided PCCD XXX with correction, LOE and shipping Label for delivery.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 29.54% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 19.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 16.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 18.08 years
|
|
EDA6E696-D261-494C-B0B9-988C4C8F0307
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Missing supplemental consumer information form for co-borrower.
|
3/XX/2027 client provided supplemental consumer form for co-borrower.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 29.54% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 19.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 16.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 18.08 years
|
|
3202BFA8-916E-4DE0-8484-37FA75DE32F1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Provide missing document.
|
3/XX/2025 client provided flood certification
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 11 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 10 years
|
|
24FD6867-9430-40B4-948B-56CECB40A600
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent 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
|
Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $279.00 for ten percent tolerance fees.Title Fees and
Recording Fee increased. Fees were listed in Section B and tested at a 10% tolerance.
|
04/XX/2025 Client provided a duplicate of the COC XXX in file reflecting Title fees added for "such as" release of a prior lien, borrower taking title to
the property has changed and Borrower requested change resulting in a change in fees. Condition remains. Provide the specific reasons the changes that were made. A clear reason for the endorsement & Doc prep fees added, what change was
made for increase of Recording fee, and why vesting changed or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.04/XX/2025 Client provided A copy of the old Title supporting vesting change with
Corresponding fees.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5.17 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 7 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 30 years
|
|
77589C0F-A89F-4DE9-B9B6-0DF8BAFD286B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
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
|
Clayton determination is Non-QM: Lender documented all ATR UW factors. Lender QM determination is Safe Harbor. Possible issue due to missing Note and ROR.
|
3/XX/2025 client provided Note.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|
77589C0F-A89F-4DE9-B9B6-0DF8BAFD286B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC195
|
Missing Note
|
No
|
Missing Final Note
|
03/XX/2025 Client provided the executed Note.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|
77589C0F-A89F-4DE9-B9B6-0DF8BAFD286B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR2043
|
Cannot determine if funding date is after rescission period
|
No
|
Missing Right of Rescission form and Final CD. Cannot determine if funding date is after rescission period
|
03/XX/2025 Client provided Final CD XXX with signature on XXX and ROR signed XXX expiring midnight on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|
77589C0F-A89F-4DE9-B9B6-0DF8BAFD286B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR5345
|
ROR - Missing or Incomplete Right of Rescission form
|
No
|
Missing Right of Rescission form
|
Client provided missing ROR H8 from executed on XXX closing with expiration date midnight on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|
77589C0F-A89F-4DE9-B9B6-0DF8BAFD286B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Missing Final CD hand signed by the borrower at closing.
|
03/XX/2025 Client provided Final CD XXX with signature on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|
77589C0F-A89F-4DE9-B9B6-0DF8BAFD286B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2340
|
Employment verification does not meet guidelines
|
No
|
Provide an LOE to explain the gap in employment. Per 1003 borrower left prior job on XXX and started new job on XXX.
|
3/XX/2025 client provided an updated 1003 reflecting borrower left prior job on XXX which matches WVOE. No gap in employment.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|
031FD757-79C7-4537-BE96-BD20FE00A05F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
Non-QM: Lender documented all ATR UW factors
|
QM: Rebuttable Presumption (APOR)
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAAPPR108
|
Declining Property Values
|
No
|
Property is in a declining market and is ineligible.
|
3/XX/2025 client provided an updated commentary from appraiser that reflected values are stable.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 42 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 40.26% below guideline requirement of 45%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 35 years
|
|
86C3113E-7969-4ACA-A2FA-19B4DC5F066F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 38.84% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 6.75 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 15 years
|
|||||||||||||||
|
32BEB624-9D27-43F2-9A48-DA6B77E95591
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5741
|
TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null
|
No
|
Loan is closed end 2nd lien. Final CD XXX, section Projected Payment Estimated Escrows - only HOI and HOA are marked as NO. page 4 section Escrow Account -
marked as borrower will have escrow account and only included HOA in non-escrowed. Condition is pending receiving corrected PCD marking correctly and including the amounts in non-escrows in Projected Payment and in Loan Disclosures on page
4.
|
03/XX/2025 Client provided PCCD XXX with correction. Condition remains for LOE to Borrower. 03/XX/2026 Client provided a duplicate of the XXX PCCD with the
LOE.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of 52% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 75 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 12.17 years
|
|
32BEB624-9D27-43F2-9A48-DA6B77E95591
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Provide the 1008
|
3/XX/2025 client provided 1008.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of 52% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 75 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 12.17 years
|
|
32BEB624-9D27-43F2-9A48-DA6B77E95591
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Provide appraisal
|
3/XX/2025 client provided AVM.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of 52% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 75 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 12.17 years
|
|
D3B2561F-7524-41C5-A0D6-936386D60AF4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
No
|
Borrower signed the ROR on XXX. Expiration date on the ROR is XXX. Expiration date on the form is prior to the end of the rescission period
|
03/XX/2025 Client provided reopened Rescission, signed on XXX and expiration midnight of XXX with LOE. Condition remains for end of expiration XXX.
03/XX/2025 End of Expiration XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 45 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 34.51% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 13 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|
D3B2561F-7524-41C5-A0D6-936386D60AF4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR is signed XXX which would make the earliest expiration date XXX. Per Final CD dated XXX, Disbursement date is XXX. Disbursement date is before end of
statutory rescission period.
|
03/18/2025 Client provided reopened Rescission, signed on XXX and expiration midnight of XXX with LOE. Condition remains for end of expiration XXX.
03/24/2025 End of Expiration XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 45 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 34.51% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 13 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|
D3B2561F-7524-41C5-A0D6-936386D60AF4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1303
|
RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc(Home Loan),not dt w/in 3 days of App Dt
|
No
|
RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc(Home Loan) is dated XXX. Not dated within 3 days of the XXX application date.
|
03/XX/2025 Client provided duplicate of Form in file signed XXX and Disclosure tracking reflecting RI form was sent with Initial Documents on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 45 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 34.51% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 13 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|
D3B2561F-7524-41C5-A0D6-936386D60AF4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1319
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated
|
No
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) is not signed
|
03/XX/2025 Client provided a Collaborate Comment: CAN THESE CONDITIONS BE SIGNED OFF ON SINCE THE CONDITION IN CONNECTION WITH THESE HAS BEEN SATISFIED?
Condition remains. Provide the separate form specific for High Cost Prohibited Acts of Ri. 03/XX/2025 Client provided Rebuttal via Collaborate: XXX does not do high cost loans. Condition remains. Provide evidence from the Lender that they do
not do High Cost loans, for Compliance Counsel review. Additional Conditions may apply. 03/XX/2025 03/XX/2025 Client provided An LOE stating the Lender does not Originate Section 32 loans. Condition remains. Review by Internal Compliance
Counsel, Prohibited Acts and Practices Disclosure Regarding All Home Loans (Form 1) and Prohibited Acts and Practices Disclosure Regarding High Cost Home Loans (Form 2), must be given to all applicants of home loans and are not limited to
only those loans that are high cost, within 3 days of application03/XX/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated signed on XXX.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 45 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 34.51% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 13 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|
D3B2561F-7524-41C5-A0D6-936386D60AF4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP1309
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file
|
No
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) is not in file
|
03/XX/2025 Client provided a Collaborate Comment: CAN THESE CONDITIONS BE SIGNED OFF ON SINCE THE CONDITION IN CONNECTION WITH THESE HAS BEEN SATISFIED?
Condition remains. Provide the separate form specific for High Cost Prohibited Acts of Ri. 03/XX/2025 Client provided Rebuttal via Collaborate: XXX does not do high cost loans. Condition remains. Provide evidence from the Lender that they do
not do High Cost loans, for Compliance Counsel review. Additional Conditions may apply. 03/XX/2025 Client provided An LOE stating the Lender does not Originate Section 32 loans. Condition remains. Review by Internal Compliance Counsel,
Prohibited Acts and Practices Disclosure Regarding All Home Loans (Form 1) and Prohibited Acts and Practices Disclosure Regarding High Cost Home Loans (Form 2), must be given to all applicants of home loans and are not limited to only those
loans that are high cost, within 3 days of application03/XX/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated signed on XXX.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 45 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 34.51% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 13 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|
D4E51F25-B176-40DF-A073-4F75D96BC0E3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Need proof initial CD was received by borrower 3 days before consummation date of XXX. Missing Initial CD to test timing.
|
03/XX/2025 Client provided 2 Initial CD's XXX one e-signed by Borrower and the other hand signed by Non Borrower on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 40 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 31.35% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 16 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 12 years
|
|
D4E51F25-B176-40DF-A073-4F75D96BC0E3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3970
|
TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of
selections.
|
No
|
CD XXX- Loan Disclosures- Partial Payments- No Options have been selected.
|
03/XX/2025 Client provided PCCD XXX with correction. Condition remains for LOE to Borrower for changes.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of 40% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 40 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 31.35% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 16 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 12 years
|
|
D4E51F25-B176-40DF-A073-4F75D96BC0E3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Provide proof of insurance with adequate coverage amount. HOI coverage is $XXX. Required coverage is $XXX
|
3/XX/2025 client provided an ACE showing coverage is sufficient.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 40 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 31.35% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 16 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 12 years
|
|
6CBCA39A-6EED-421B-A915-3A85C2D535AC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 31.90% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 14 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 26.5 years
|
|||||||||||||||
|
25069CEC-7EB1-49B9-913B-B321A7EA72BB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Provide evidence of receipt of child support for 12 months.
|
3/XX/2025 client provided 12 months of child support being received.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence 10.33 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 14 years
|
|
30AC1068-9A63-4EAD-95B6-979C067A7864
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 47 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 37.50% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8.6 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 9 years
|
|||||||||||||||
|
B04F05F3-E1CA-4892-900E-B909BAAC4A36
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Need proof initial CD was received by borrower 3 days before consummation date of XXX
|
04/XX/2025 Client provided Disclosure tracking reflecting CD XXX was viewed and e-signed on XXX by both.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 90 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 12.47 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 26.67 years
|
|
B04F05F3-E1CA-4892-900E-B909BAAC4A36
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Provide the lender's QM determination
|
4/XX/2025 client provided lender's ATR determination.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 90 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 12.47 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 26.67 years
|
|
6D52EFF0-62B8-4D5E-8B35-329B7F7DD589
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC126
|
Length of employment/self-employment does not meet guidelines
|
No
|
Borrower has a gap of employment from XXX to XXX. Gaps of employment greater than 30 calendar days within the last 2 years requires a letter of explanation.
|
3/XX/2025 client provided a WWOE for prior job which ended on XXX. Still missing LOE from borrower addressing gap of employment from XXX to XXX.3/XX/2025
client provided Gap LOE.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 40 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 36.60% below guideline requirement of 45%
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 30.17 years
|
|
0585163D-D482-4134-8094-5312238069D5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR1939
|
Appraiser License for Incorrect State
|
No
|
Missing appraisal
|
3/XX/2025 client provided full appraisal.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 8.92 years
|
|
0585163D-D482-4134-8094-5312238069D5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
Provide the valuation method
|
3/XX/2025 client provided full appraisal.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 8.92 years
|
|
0585163D-D482-4134-8094-5312238069D5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Missing appraisal
|
3/XX/2025 client provided full appraisal.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 8.92 years
|
|
304BB425-FF88-44EC-A6B0-DDF7153FFA06
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 of 67 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence 14.83 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 13.5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 22 years
|
|||||||||||||||
|
6F3E36DA-751C-440F-83DA-BB4A628A1064
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 28.67 years
|
|||||||||||||||
|
B319E268-2C1A-4FE3-8BA0-73858A53BEC0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 36 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 32.15% below guideline requirement of 45%
|
|||||||||||||||
|
A05DAA29-91BA-4F31-B6D5-9F1064C347B0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: Borrower has an in file date of XXX with only XXX non-mortgage ratings.
|
|||||||||||||||
|
6F90928B-BA9C-4B09-BE42-228627DFD5D9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 83 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 36.05% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7.5 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 9.4 years
|
|||||||||||||||
|
A3DFB3D7-B653-4A7E-8B9F-AEFC051DA63E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8.8 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 8.8 years
|
|||||||||||||||
|
1F95BCB2-39CA-48F7-8C3B-F84382263F6E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Provide proof of insurance with adequate coverage amount. HOI coverage is $XXX and required coverage is $XXX
|
4/XX/2025 client provided RCE showing sufficient coverage.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8.67 years
|
|
B96C9F02-0765-492D-A20F-9A2C0E4DCCCE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 of 47 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 36.19% below guideline requirement of 45%
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 7 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 31 years
|
|||||||||||||||
|
0EBE85E0-529E-4A9E-8E86-A1519B7CCE31
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 92 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5.5 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 15 years
|
|||||||||||||||
|
56D19D96-682A-4325-9858-624AC9EC06EF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Provide missing Flood certification document.
|
4/XX/2025 client provided Flood Certification.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 39 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 10 years
|
|
56D19D96-682A-4325-9858-624AC9EC06EF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
AVM is missing all pages except the cover sheet. Provide missing sections of AVM as specified in comments
|
4/XX/2025 client provided the first page of the AVM and 8 pages of the Exterior Property Condition Inspection. Condition remains for all pages of just the
AVM.4/XX/2025 client provided complete AVM.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 39 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 10 years
|
|
88F649F0-8A2D-4A10-8AA9-2F3DDBB138BA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
Provide Hazard Insurance documentation
|
4/XX/2025 client provided HOI policy.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 41.26% below guideline requirement of 50%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 17 years
|
|
BF2D089C-F7A5-4A09-8D97-EE099B0A5522
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1303
|
RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc(Home Loan),not dt w/in 3 days of App Dt
|
No
|
Initial 1003 dated XXX. Prohibited Acts of Lenders & Loan Brokers Disc(Home Loan) in file dated and signed on XXX.
|
03/XX/2025 Client provided a Collaborate Comment: Attached you will find the disclosure tracking for the loan which shows the Prohibited Acts of Lenders and
Loan Brokers Disclosure was sent to the borrower on 2/XX/25 which is within three business days of the loan application date of XXX. Condition remains. Provide both the Home Loan and High Cost forms signed and dated by both Lender and
Borrowers within 3 business days from application.03/XX/2025 Client provided An LOE stating the Lender does not Originate Section 32 loans. Condition remains. Review by Internal Compliance Counsel, Prohibited Acts and Practices Disclosure
Regarding All Home Loans (Form 1) and Prohibited Acts and Practices Disclosure Regarding High Cost . Home Loans (Form 2), must be given to all applicants of home loans and are not limited to only those loans that are high cost, within 3 days
of application03/XX/2025 Client provided Disclosure tracking reflecting Form RI Home Loan-Prohibited Acts sent with other Disclosures on XXX and viewed on the same date.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 42 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 33.12% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 32.75 years
|
|
BF2D089C-F7A5-4A09-8D97-EE099B0A5522
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP1309
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file
|
No
|
Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) signed and dated, not in file
|
03/XX/2025 Client provided a Collaborate Comment: Attached you will find the disclosure tracking for the loan which shows the Prohibited Acts of Lenders and
Loan Brokers Disclosure was sent to the borrower on XXX which is within three business days of the loan application date of XXX. Condition remains. Provide the Home Loan and High Cost forms signed and dated by both Lender and Borrowers
within 3 business days from application.03/XX/2025 Client provided An LOE stating the Lender does not Originate Section 32 loans. Condition remains. Review by Internal Compliance Counsel, Prohibited Acts and Practices Disclosure Regarding
All Home Loans (Form 1) and Prohibited Acts and Practices Disclosure Regarding High Cost . Home Loans (Form 2), must be given to all applicants of home loans and are not limited to only those loans that are high cost, within 3 days of
application03/XX/2025 Client provided RI Prohibited acts - Hign Cost loans Acknowledgement signed by Borrower on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at 70% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 42 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 33.12% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 32.75 years
|
|
13E54080-D68B-4DFE-94B2-4CEA530B06F5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 76 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 37.85% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8.8 years
|
|||||||||||||||
|
063B49F9-B305-40D5-A6CE-F998F898AD54
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 79 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 23.62% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 13.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 22.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 12 years
|
|||||||||||||||
|
1391C9B9-5A6E-44EF-B54E-D2C24DCB8482
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
03/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 35.93% below guideline requirement of 45%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 13.33 years
|
|
11D60A75-B65C-4AB8-873E-A5657C8D7E99
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 34.71% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 22 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 31 years
|
|||||||||||||||
|
47429F63-18C8-4625-9E03-E82F20012D83
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $312.50 for zero tolerance fees.A Discount Point was added
to the LE dated XXX. Missing COC's and/or a Rate Lock disclosing this fee.
|
04/XX/2025 Client provided COC XXX reflecting loan was locked and Points added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 51 month mortgage payment history exceeds the 12 month guideline minimum by 39 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 has been at current job for 30 years and 7 months.
|
|
47429F63-18C8-4625-9E03-E82F20012D83
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does
not offer one are selected
|
No
|
CD's dated XXX and XXX- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected
|
04/XX/2025 Client provided CD XXX with correction.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 51 month mortgage payment history exceeds the 12 month guideline minimum by 39 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 has been at current job for 30 years and 7 months.
|
|
47429F63-18C8-4625-9E03-E82F20012D83
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3260
|
Balance Sheet missing for one or more Self Employed borrowers
|
No
|
Missing year-to-date balance sheet for 1st quarter XXX for co-borrower.
|
4/XX/2025 Client provided the Balance sheet supporting the qualifying income
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 51 month mortgage payment history exceeds the 12 month guideline minimum by 39months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 has been at current job for 30 years and 7 months.
|
|
6C4F68B2-6D25-49AB-8155-337F9BBEAF5C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 56 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 30.07% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 10 years
|
|||||||||||||||
|
40BACC51-DE2A-4C12-AD14-251F9BE31580
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Missing List of homeowners counseling organizations
|
04/XX/2025 Client provided missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 35.12% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 18 years for B1 and 16 years for B2
|
|
40BACC51-DE2A-4C12-AD14-251F9BE31580
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Required Affiliate Business Disclosure
|
Client provided attestation that XXX does not have any affiliated.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at 52% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 35.12% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 18 years for B1 and 16 years for B2
|
|
40BACC51-DE2A-4C12-AD14-251F9BE31580
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Provide the lender's QM determination
|
4/XX/2025 client provided lender's QM determination.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 35.12% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 18 years for B1 and 16 years for B2
|
|
40BACC51-DE2A-4C12-AD14-251F9BE31580
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2642
|
Missing proof that HELOC has been paid and closed to future draws
|
No
|
Provide an estoppel letter closing the HELOC to future draws
|
4/XX/2025 client provided payoff letter with reconveyance fee.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 35.12% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 18 years for B1 and 16 years for B2
|
|
BEC7AD5E-04FB-4C15-8B09-E0D7E4DDC280
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 33 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8.8 years
|
|||||||||||||||
|
92849A86-2C21-4E61-A5C1-215A8B0C369B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 24 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7.7 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 12 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 25.08 years
|
|||||||||||||||
|
AF8035E7-C2AF-4AAA-87C5-CAEA9480080F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 34.57% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 6.5 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 6.5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 12 years
|
|||||||||||||||
|
B04B5798-8D62-42DA-A134-6B9B279371B6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 40.07% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 13.25 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 19.6 years
|
|||||||||||||||
|
140EF083-5999-459F-9674-06D88AD5A569
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Missing List of homeowners counseling organizations
|
04/XX/2025 Client provided the missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 37.49% below guideline requirement of 45%
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 9.5 years
|
|
140EF083-5999-459F-9674-06D88AD5A569
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Required Affiliate Business Disclosure
|
04/14/2025 Client provided the Affiliate Business Disclosure for the Title Co. Condition remains. Provide Lenders Affiliate Business Disclosure.
4/18/2025 Client provided attestation that XXX does not have any affiliated.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 37.49% below guideline requirement of 45%
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 9.5 years
|
|
140EF083-5999-459F-9674-06D88AD5A569
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Provide the lender's QM determination
|
4/XX/2025 client provided lender's QM determination.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 37.49% below guideline requirement of 45%
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 9.5 years
|
|
35473793-F558-4B09-828E-8D2BE10BA4CB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Need proof initial CD was received by borrower 3 days before consummation date of XXX.(Initial CD was signed on a Friday, Final CD was signed on a Monday)
|
04/XX/2025 Client provided a duplicate of Initial CD XXX e-signed on XXX makes the earliest closing date XXX. Condition Remains. Provide evidence of
Borrowers receipt of Initial CD a minimum of 3 business days prior to closing. 04/XX/25 Client provided the XXX CD Disclosure Tracking Details confirming the Borrower Viewed the Message and Document on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 78 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 23.21% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 15.67 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 19.92 years
|
|
7DB9B9B7-CDDC-4752-A9EA-C7F47E5B9E50
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 26.53% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 36.25 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 25 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 12 years
|
|||||||||||||||
|
773E984D-42A1-4477-943C-7C805B8B5EFC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more Self Employed borrowers
|
No
|
Provide the P&L for XXX
|
4.XX.2025 Client provided copy of XXX w2 and a copy of 1120S XXX however not signed and appears to be using in place of an end of year XXX P/L. Condition
remains for pg 1 of 1120S XXX to be signed by B2. 4/XX/2024 client provided 1120-S signed by borrower.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7.33 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 16.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 12.5 years
|
|
773E984D-42A1-4477-943C-7C805B8B5EFC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3260
|
Balance Sheet missing for one or more Self Employed borrowers
|
No
|
Provide the balance sheet for XXX
|
4.XX.2025 Client provided copy of XXX w2 and a copy of 1120S XXX however not signed and appears to be using in place of an end of year XXX P/L and B/S.
Condition remains for pg 1 of 1120S XXX to be signed by B2. 4/XX/2024 client provided 1120-S signed by borrower.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7.33 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 16.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 12.5 years
|
|
773E984D-42A1-4477-943C-7C805B8B5EFC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Provide missing document.
|
4.XX.2025 Client provided copy of Flood Certification, flood zone X500
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7.33 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 16.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 12.5 years
|
|
7C526479-4B32-4129-808E-966C90853942
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 35.97% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7.17 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 8.43 years
|
|||||||||||||||
|
70806F32-CDC1-4DC6-9292-08A9BC5FBC93
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current job for 10 years and 7 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 743 credit score exceeds the 660 guideline minimum requirement by 83 points.
|
|||||||||||||||
|
ADA199DC-93BF-4471-B7CA-6A9E5F11A726
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 30 months exceeds guidelines of 12 months
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 35 years
|
|||||||||||||||
|
75128C72-F824-4D1B-B2B2-06A9DE662F86
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
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 of 41 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 33.87% below guideline requirement of 45%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 13 years
|
|||||||||||||||
|
DFEAC69D-72A6-471D-9B10-E0DC79898510
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Need proof initial CD was received by borrower 3 days before consummation date of XXX. Missing Initial CD.
|
04/XX/2025 Client provided Missing Initial CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 20 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 5 years
|
|
DFEAC69D-72A6-471D-9B10-E0DC79898510
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does
not offer one are selected
|
No
|
CD dated XXX- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected
|
04/XX/2025 Client provided PCCD XXX reflecting Correction.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 20 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 5 years
|
|
DFEAC69D-72A6-471D-9B10-E0DC79898510
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5740
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
No
|
CD dated XXX reflects $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien
Taxes, Insurance & Assessments is required.
|
04/XX/2025 Client provided PCCD XXX reflecting Correction.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 20 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 5 years
|
|
DFEAC69D-72A6-471D-9B10-E0DC79898510
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5742
|
TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null
|
No
|
CD dated XXX- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflects $0.
|
04/XX/2025 Client provided PCCD XXX reflecting Correction.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 20 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 5 years
|
|
DFEAC69D-72A6-471D-9B10-E0DC79898510
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
DTI
|
Waived
|
B
|
B
|
B
|
B
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
DTI 45.91% which exceeds guideline of 45%.
|
4/XX/2025 client provided an approved exception for DTI exceeding guideline.
|
Initial and final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 20 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 5 years
|
|
DFEAC69D-72A6-471D-9B10-E0DC79898510
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Provide the Supplemental Consumer Information Form for the co-borrower.
|
4/XX/2025 client provided supplemental consumer form.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 20 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 5 years
|
|
DFEAC69D-72A6-471D-9B10-E0DC79898510
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Provide the 1008
|
4/XX/2025 client provided 1008.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 20 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 5 years
|
|
3B955C11-0FA1-4231-B5CC-F60722B18167
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5.33 years
|
|||||||||||||||
|
207135F8-16A7-48E5-AF64-BB06C71FE175
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 99 month mortgage history exceeds the 12 month guideline minimum by 87 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV is XX% below the maximum guideline requirement of 80%.
|
|||||||||||||||
|
73C7E147-FB40-4452-8C5F-75CE10721BAB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 87 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 20.31% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 9 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 21.8 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 5.8 years
|
|||||||||||||||
|
091853AF-5027-42BF-B583-FF97D38CFE17
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 730 credit score exceeds the 700 guideline minimum requirement by 30 points.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 45 month mortgage payment history exceeds the 12 month guideline minimum by 33 months.
|
|||||||||||||||
|
2D0B8286-6320-4CC3-8CEE-59991FDF9F63
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x56 exceeds mortgage history guidelines.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI: 33.23% 11.77 points below the guideline program minimum.
|
|||||||||||||||
|
614FAD83-E111-4B4F-81DC-1A16B09D01B9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 745 > is above guideline minimum credit score 720.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job, 34 years.
|
|||||||||||||||
|
A4AECA0E-41AA-43A6-84A3-D1D1717C7414
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 33.53 points below the guideline program minimum.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 809 > is above guideline minimum credit score 790.
|
|||||||||||||||
|
E19A7F3E-1E90-4EA2-8C85-E206C1BCEC19
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 46 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
CFCFS5269: Minimal use of credit
- Clayton Comments: 19% revolving credit utilization
|
|||||||||||||||
|
A1980F08-C070-46AA-A731-1874B4892469
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 742.
|
|||||||||||||||
|
223A0AFF-62D7-4425-B021-64E286EFAB09
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 13.2 years current job time
CFCFS2854: Significant time in profession
- Clayton Comments: 15.1 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 16% revolving credit utilization
|
|||||||||||||||
|
D59026CC-7F1D-468D-9B8D-EE379C1C4A1E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 776 > is above guideline minimum credit score 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 30.98 points below the guideline program minimum.
|
|||||||||||||||
|
A33492EC-B7A2-4D61-8845-4CB0F54D1589
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 8.23 points below the guideline program minimum.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Significant total monthly debt reduction is by $XXX.
|
|||||||||||||||
|
41A19CDD-3C05-47CE-A322-BB9D468A8E8A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI: 35% is 10.00 points below the guideline program minimum.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 22 years.
|
|||||||||||||||
|
977612A5-46E8-4727-9C9C-676946CDAB14
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 750 > is above guideline minimum credit score 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: 61.87% is 23.13 points below the guideline program minimum.
|
|||||||||||||||
|
D02A3270-00C2-4AC4-A55D-939767C3EA8C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 751 > is above guideline minimum credit score 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 9.47 points below the guideline program minimum.
|
|||||||||||||||
|
1E0C23E8-91B7-4B53-9663-3BC5B6937003
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX0% is 7.80 points below the guideline program minimum.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x34 exceeds mortgage history guidelines.
|
|||||||||||||||
|
3E4CCF3B-A355-447A-A828-A58735103BC6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 735 > is above guideline minimum credit score 720.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x47 exceeds mortgage history guidelines.
|
|||||||||||||||
|
358DC64D-35F0-4077-BFAB-00F6D0E39272
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 793 is 133 points above program guideline minimum of 660.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 7 years and 3 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 12 years and 10 months.
|
|||||||||||||||
|
0B01C006-5B5D-4157-B473-5FBB1A3084D2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x43 exceeds mortgage history guidelines.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 6.76 points below the guideline program minimum.
|
|
AC8546DA-5809-4FB0-BFF8-E086FA041570
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 11 years and 1 month
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job; 18 years and 5 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 28.58% DTI is below guideline requirement of 45.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 770 is 110 points above program guideline minimum of 660.
|
|||||||||||||||
|
3618F20C-A52C-47E1-9035-25AC4463EF8D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 808 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 7 years at current job.
|
|||||||||||||||
|
438A29BD-677E-42B0-9D18-E4A1EC3719CC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x35 exceeds mortgage history guidelines.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 26 years.
|
|||||||||||||||
|
34CAB84E-6A4C-4C98-993A-35231DCBB5D7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 10 years at current residence
|
|||||||||||||||
|
BD421995-CD3F-4252-B056-C7FCDF20C6FA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 31.84% below guideline requirement 45.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 755 exceeds guidelines 720 FOR XX% CLTV
|
|||||||||||||||
|
0E903257-7A2B-404B-A026-B494EB998B38
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x51 exceeds mortgage history guidelines.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 15 years.
|
|||||||||||||||
|
AF660E34-31A5-498E-B410-9F6D0EDCF195
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: The borrower has 23 years at current residence
|
|||||||||||||||
|
EDD1E57B-9719-4B09-ADDA-3A8D4B2676FC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 749 > is above guideline minimum credit score 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 7.75 points below the guideline program minimum.
|
|||||||||||||||
|
83C69E1E-22DE-40D2-98B5-279541C3E109
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 26 years.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Total monthly debt reduction is over $XXX.
|
|||||||||||||||
|
2A3C759B-FECB-4759-9C1D-BF17012DE872
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 8.8 years current job time
CFCFS1736: Significant time at current residence
- Clayton Comments: 7.3 years current residence time
CFCFS5269: Minimal use of credit
- Clayton Comments: 24% revolving credit utilization
|
|||||||||||||||
|
C138FC8C-2A2F-45B4-837B-B3387A558039
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 23% revolving credit utilization
CFCFS1736: Significant time at current residence
- Clayton Comments: 12 years current residence time
|
|||||||||||||||
|
9CA0EB65-1868-4F69-9F65-BBC7A49B67AC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 38.09 DTI below guideline of 45.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower 10 years in profession.
|
|||||||||||||||
|
BDCF269F-7121-444B-A600-6A27C63B307A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 26.11 points below the guideline program minimum.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 770 > is above guideline minimum credit score 760.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x45 exceeds mortgage history guidelines
|
|||||||||||||||
|
69931B05-29F3-4603-8E40-4279B7378D53
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
HI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 15 years at current residence
|
|||||||||||||||
|
2341C904-20F5-47A8-B3D0-87ED579626D1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Home Mortgage Information Document not in file.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 25 years at current residence
|
|
214D8C7F-3E25-48E1-9FEB-E5D1D734170E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 23%
|
|
214D8C7F-3E25-48E1-9FEB-E5D1D734170E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 23%
|
|
9A8509E9-5905-4953-ADD3-CCB1FEF4DDB2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 has no late payments on the mortgage history
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 9 years at current residence
|
|||||||||||||||
|
D56720CA-973A-4AB8-A618-1F3B12E94297
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 25 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
C64F52ED-7C8C-489F-B339-28C194548011
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 12.9 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 1.00% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 99 mos. mtg. payment hist. exceeds min. guideline requirement of 12 mos.
|
|||||||||||||||
|
A31F1020-6B1E-4E7D-A2FF-03D3B5E6B341
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 771 > is above guideline minimum credit score 760.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 10 years.
|
|||||||||||||||
|
C33335DF-B692-43F9-B00D-AC67DD1F0458
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 24 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job, 18 years.
|
|||||||||||||||
|
B44AD0C0-ADD0-4FE7-BAFB-B5171469E5DF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 34.1 years current residence time
CFCFS2854: Significant time in profession
- Clayton Comments: 48.1 years in same line of work/profession
|
|||||||||||||||
|
88D405B6-1F1D-42E3-9264-5C8812F8C890
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 30%
|
|||||||||||||||
|
B38DEC59-B08D-42B5-B795-384EF21F053C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 19% below the maximum guideline requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 772 credit score exceeds the 660 minimum guideline requirement by 112 points.
|
|||||||||||||||
|
B6BBCA4D-63DC-40E3-85CB-291BD2B858D0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 15.5 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 43 mos. mtg. history review exceeds guideline min. requirement of 12 mos.
CFCFS5269: Minimal use of credit
- Clayton Comments: 3.00% revolving credit utilization
|
|||||||||||||||
|
7748157C-C6C7-4510-85D0-B2D537A7A2C9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 729 exceeds guide lines.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X43 months mortgage payment history exceeds guide lines of 24 months.
|
|||||||||||||||
|
30C65F0F-B43D-433A-937C-6C055050EE78
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 38.27 is less than the max of 45.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Current job 11+ years.
|
|||||||||||||||
|
3DD214C6-7BCB-459A-908B-96AB8984005C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 21.70 points below the guideline program minimum.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x26 exceeds mortgage history guidelines.
|
|||||||||||||||
|
E79DA6F5-8C28-458B-A4B9-65C65C30EB45
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 in residence for 20 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current job for 16 years.
|
|||||||||||||||
|
AA513078-C1CB-4EBB-8DB0-524CB157614C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 64.79 points below the guideline program minimum.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 47 years.
|
|||||||||||||||
|
066BE902-5AB0-4EC7-B0F7-E67DB7085346
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 36 years at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X70 mortgage payment history exceeds guide lines of 24 months.
|
|||||||||||||||
|
70FD0BB1-1BCC-4877-A983-8FD10F8755B1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in the amount of $125.00 as Translation Fee was added to CD XXX without a valid COC in file. Condition pending receiving a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/XX/2025 Client provided PCCD XXX with Principal Reduction, LOE and Loan payment history reflecting payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 14 years on current job
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 17 years at current residence
|
|
AE905178-FDFF-40BA-8F63-BA414777D925
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 26 years in current profession.
|
|||||||||||||||
|
230E67BB-9BE4-4177-BA67-AC4BE2320F58
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 20 years at current residence
|
|||||||||||||||
|
D27FCBB2-94AC-4517-8DF5-BABE9BF88D91
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 10 years on current job
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 24%
|
|||||||||||||||
|
D899F1FA-464F-4F08-BF73-E9EDD249E03D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 693 > is above guideline minimum credit score 680.
|
|||||||||||||||
|
84327D3D-EBCE-4F7F-830A-C45E93B31339
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing Home Mortgage Information Document.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 29 years.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x52 exceeds mortgage history guidelines.
|
|
A00E87C6-F869-4A9A-81FD-2B7DA1A2D4A4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 28 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 28 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 75%.
|
|||||||||||||||
|
7013A729-DFCB-4283-800F-AF599F4F6255
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: Median FICO 715 > is above guideline minimum credit score 700.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 13 years.
|
|||||||||||||||
|
865D0A3F-BC2F-4ADB-8CBB-294B02B32110
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x58 exceeds mortgage history guidelines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 12 years.
|
|||||||||||||||
|
39DAE618-9B5A-46BE-B8DA-C3F6D07DDB13
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
S WORKING THAT DEALL. Home Mortgage Information Document not provided
|
03/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgements disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 42.91 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|
6212D33A-F605-45C6-B616-52E85D502F54
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 8 years on current job
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
B88E4EF0-A81E-4397-AEBD-956FDC1FF7B1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
List of homeowners counseling organizations in file is dated XXX. Per XXX, initial disclosures were issued on XXX.
|
04/XX/2025 Client provided Initial Disclosures including missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 14 years at current residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 10 years in current profession
|
|
B88E4EF0-A81E-4397-AEBD-956FDC1FF7B1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Per XXX, initial disclosures were issued on XXX. File is missing LE XXX.
|
04/XX/2025 Client provided Initial Disclosures including LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 14 years at current residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 10 years in current profession
|
|
BC8BA8FD-1264-4037-9386-F81BD7233C01
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3274
|
Mortgage/Deed in file is incomplete
|
No
|
4/2 Mortgage is missing pages 14 & 15. Provide complete Security Deed executed ay closing on XXX with complete pages.
|
4.XX.2025 Client provided all 21 pages of subject executed Mortgage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 33%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|
BC8BA8FD-1264-4037-9386-F81BD7233C01
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2864
|
Copy of Mortgage/Deed in file is incomplete
|
No
|
4/2 Mortgage is missing pages 14 & 15. Provide complete Security Deed executed ay closing on XXX with complete pages.
|
4.XX.2025 Client provided all 21 pages of subject executed Mortgage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 33%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|
21B0F478-8563-425E-AC29-D93551B83D59
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 29.7 years current residence time
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 26.8 years current job time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 33 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
42CEDBE3-B4CA-4AE1-B0BB-EACE9C275ABF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 798 > is above guideline minimum credit score 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 49.77 points below the guideline program minimum.
|
|||||||||||||||
|
B70D20F3-3256-4E14-9854-49D9DE0AD04B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero Tolerance Fee of $75.00 (Title - Document Preparation $50 & Title - Notary $25) fee increased from LE to CD . Missing a valid Change of
Circumstance, or Post Close CD, LOX and copy of refund check to borrower.
|
04/XX/2025 Client provided COC XXX reflecting $XXX added due to Borrower not being able to provide their own witness. Condition remains. Provide a valid
reason for the $XXX Title Document Preparation fee on XXX or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 04/XX/2025 Client provided PCCD XXX with a Principal Reduction , LOE and Loan transaction
history reflecting payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 717 > is above guideline minimum credit score 700.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x42 exceeds mortgage history guidelines.
|
|
B70D20F3-3256-4E14-9854-49D9DE0AD04B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
Property Valuations
|
Appraisal
|
Waived
|
B
|
B
|
B
|
B
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Pictures in file do not meet guidelines- appraiser side view of house is obstructed unable to take side pictures. Supplied additional pictures from google
maps.
|
3/XX/2025 client provided an approved exception for missing side photos.
|
Upon further review exception is deemed non-material. XXX photo pap shows houses are very close together and structures are in the way to prevent close
photos.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 717 > is above guideline minimum credit score 700.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x42 exceeds mortgage history guidelines.
|
|
98DB31AD-E738-4B4F-969E-4A60FFDC6223
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 28 years on current job
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
868E2978-F4EE-4A66-961A-0CD10906B847
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.77 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90
|
|||||||||||||||
|
1FDC9A46-B3AF-4D8D-9346-3132EB0E9FC2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NM
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 724 > is above guideline minimum credit score 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 39.22 points below the guideline program minimum.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 20 years.
|
|||||||||||||||
|
D180CC80-F494-4826-A9BE-3EE703A2DAFC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
ED7B71C0-7224-452E-B282-E0686D66ED72
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAPROP2556
|
Acreage exceeds property eligibility guidelines
|
No
|
Property acreage of XXX exceeds property eligibility guidelines of 10 acres.
|
4/XX/2025 Client provided an approved exception to allow the file with XXX acres
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 17 years.
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: Consumer credit history exceeds guidelines of 24 months from appication.
|
|
7D86DC9E-1DC0-4C84-8BFA-F0FAAD57B5FB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
LA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 700. Loan credit score is 734.
|
|||||||||||||||
|
302761D1-E674-4816-8AB7-DCB9A8FE5905
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 741 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 20 years.
|
|||||||||||||||
|
F7313C63-04B3-47A6-89C9-9C4B1C22792C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ME
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 733 FICO exceeds guideline of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 40.03 DTI below guideline of 45.
|
|||||||||||||||
|
93EFDBDB-1172-4992-ADBD-4D65B4FDD696
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
HI
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
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
|
Fees exceed threshold and DTI over 43%
|
4/XX/2025 Client accepts loan is NON QM
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 24 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|
93EFDBDB-1172-4992-ADBD-4D65B4FDD696
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
HI
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
Credit
|
DTI
|
Waived
|
B
|
B
|
B
|
B
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
DTI at 48%
|
04/XX/2025 Upon further review Sr Credit Underwriter was provided with an approved exception waiver for DTI tolerance due to the following compensating
factors: Significant time at current residence and no major mortgage related occurrences during the past 2 years.
|
Clayton final grade of B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 24 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|
5F30E6A1-7D3D-4D5A-A45E-1909BCEA6734
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 698 > is above guideline minimum credit score 680.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% 5.11 points below the guideline program minimum.
|
|||||||||||||||
|
A2E534E0-CD5C-4C45-BEA8-602DF9F7B6C4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 14 years at current residence
|
|||||||||||||||
|
1D6685A3-D56E-422F-B484-4E79374F6AFE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
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
|
Clayton determination of Rebuttable based on the internal test APR of 9.810 exceeds the benchmark rate of 6.310 plus the 3.5 rate spread trigger. Lender
determination of QM SH. Using benchmark date of XXX for bona-fide discount points.
|
04/XX/2025 Client provided the lock confirmation dated XXX. Rate did not change from initial LE and it never expired throughout.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: Median FICO 674 > is above guideline minimum credit score 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x35 exceeds mortgage history guidelines.
|
|
E1233CB8-F8BA-48DA-A286-E965C07C5BDC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 29%
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 20 years on current job
|
|||||||||||||||
|
842B99C3-AB22-46AE-8E23-91DD5470B7ED
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 43% CLTV IS XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 727 credit score exceeds the 660 guideline minimum credit score by 67 points.
|
|||||||||||||||
|
B64735F4-A37D-49ED-981B-CC1708BE8942
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 19%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
B222DA72-38CD-4A3F-AAA2-B13A21F5DA15
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x24 exceeds mortgage history guidelines.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI: 35.93% is 9.07 points below the guideline program minimum.
|
|||||||||||||||
|
E15AEF6E-4F13-4445-8F4A-779C2E4C38F0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
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
|
Title Examination fee $100 added to initial CD XXX section B. Fee is subject to zero tolerance. COC provided listing fee amount or any details as to why fee
was added. No cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery.
|
04/XX/2025 Client provided PCCD XXX with Principal Reduction, LOE and Loan Transaction history reflecting payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 30.92 points below the guideline program minimum.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x25 exceeds mortgage history guidelines.
|
|
E15AEF6E-4F13-4445-8F4A-779C2E4C38F0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
Credit
|
DTI
|
Waived
|
B
|
B
|
B
|
B
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
DTI is outside of the 45% guideline and lock date is prior to XXX. SLE exception approved is in file page 525.
|
3/XX/2025 Client provided an approved exception to allow the file with a XX.XX DTI
|
Clayton final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 30.92 points below the guideline program minimum.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x25 exceeds mortgage history guidelines.
|
|
8C5A0AAC-0EF0-49D1-8017-5DB88494FD8E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 10 years on current job
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
36FDC18B-09DD-4A62-B7F2-CAF622150C40
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 8 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 9 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 10 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 28.88% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
|
|||||||||||||||
|
24BCE2FF-DA31-4E84-A0A3-5F613FE1A51E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 50 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
A20556A0-678B-4C5C-9492-1AD20F108F20
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 15 years on current job
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is 55%
|
|||||||||||||||
|
55FC3D1F-FF53-49F4-BE3C-94BD84458A7B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is 31%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 24 years at current residence
|
|||||||||||||||
|
0089211D-069A-46FE-A402-7AECD5015A55
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 14.2 years current residence time
CFCFS2854: Significant time in profession
- Clayton Comments: 18 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 28% revolving credit utilization
|
|||||||||||||||
|
F25BE95E-B2DF-418A-9AC9-A8BFC8D7A5E7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 36.70% below guideline requirement 45.00%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 16 years at current job
|
|||||||||||||||
|
1CA975F6-8D59-4792-90B4-6AF7003CE3EF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 739 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 28 years.
|
|||||||||||||||
|
762FE6D8-4011-4E6E-9213-0FCC314B5DD6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 27.47 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
5E7747CA-6B7E-4F58-90F5-C96028EDD352
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 33%.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history.
|
|||||||||||||||
|
24A9F37B-B449-4F1E-A167-A22010759177
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
Transfer tax increase from Final LE XXX $556 to initial CD XXX $1414. No COC form provided listing fee amount or details as to why fee increased. No cure
provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $858 w/ Proof of Delivery.
|
04/XX/2025 Client provided PCCD with $XXX Principal reduction to pay both Zero and 10% tolerances, LOE and loan transaction history reflecting payment
applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 32 years at current residence
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 31%
|
|
24A9F37B-B449-4F1E-A167-A22010759177
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
CMPTRID3676
|
TRID - CD: Ten percent 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
|
Recording fee increase from final LE XXX $110 to initial CD XXX $615.50. Exceeds allowable 10% variation or $11. $615.50-$110-$11=$494.50. No COC form
provided listing fee amount or any details as to why fee increased. No cure provided on borrower final CD. Condition pending receipt detailed COC with increase validated or Post CD reflecting lenders cure, LOX, Refund of $494.50 w/ Proof of
Delivery.
|
04/XX/2025 Client provided PCCD with $XXX Principal reduction to pay both Zero and 10% tolerances, LOE and loan transaction history reflecting payment
applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 32 years at current residence
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 31%
|
|
399000F2-0020-496C-A836-A05B3858627B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 764.
|
|||||||||||||||
|
EC8A0742-FD96-4DE3-BFF1-BBEFCCB5EBBB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 4.00% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 52 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score of 798 exceeds guideline min. requirement of 660
|
|||||||||||||||
|
F18AB866-5E3F-4FF9-B453-472432088829
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
B
|
D
|
B
|
CMPMAN2956
|
Missing disclosure
|
No
|
Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied
non-material 2B using the signed CD at closing.
|
04/XX/2025 Client provided Collaborate Comment that they are unable to get evidence of NBS receiving Initial CD.
|
Condition Satisfied 2B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00% - 5.0% for DTI >45.00% = 80.00%.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same line of work > 3 years.
|
|
47242982-1E17-4FBC-B162-DDC1BD0CF2C7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 9 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 6 years.
|
|||||||||||||||
|
614BF11B-4A16-4686-B9CA-AC0381020BC5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 75.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 24+ years
|
|||||||||||||||
|
96402EAF-2934-4B70-94A8-39F663594EC4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP2057
|
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
No
|
Missing Certificate of Compliance or Certification of Exemption in file.
|
04/XX/25 Client provided the IL Cert of Compliance.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 22%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 28 years at current job
|
|
E4371002-9BF2-42BE-B91E-76CDA6F094CD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments: Borrower has bonus and OT income not used to qualify
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 30 years at current residence
|
|||||||||||||||
|
D8EB3B10-2CBE-4A45-9138-2B4FD4C425CF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property > 17 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 17 years at current job
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 32.56% below guideline requirement 45.00%.
|
|||||||||||||||
|
DE93FA88-49E7-473D-9A65-80D0048AACB6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 23 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%.
|
|||||||||||||||
|
5EC2EDDB-9484-4811-BFBB-F4B19734C563
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 13 years at current residence
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 11 years at current job
|
|||||||||||||||
|
4BAF851C-BC87-4C02-92A1-57EB8350E95B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 2+AM2083 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%.
|
|||||||||||||||
|
329218A8-29FF-40D1-B94D-D8920E1E391A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 24.21 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 75.
|
|||||||||||||||
|
0A5910C0-AD94-405F-BC09-4ECDEA4B3A3D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property > 10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 36.41% below guideline requirement 45.00%.
|
|||||||||||||||
|
AAF6523F-E743-46A7-961E-3694DB3949C9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTXHE108
|
TX Equity - Total fees greater than the allowable cap
|
No
|
TX-Total fees greater than the allowable cap due to total adjusted charges of $1943.75 with loan amount of $75000. Charges Margin to $443.75 exceeding
Threshold of $1500.
|
04/XX/2025 Client provided a screen print of the price and lock reflecting the undisclosed rate.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
CFCFS5269: Minimal use of credit
- Clayton Comments: Borrowers have minimal use of credit
|
|
AAF6523F-E743-46A7-961E-3694DB3949C9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
CFCFS5269: Minimal use of credit
- Clayton Comments: Borrowers have minimal use of credit
|
|
AAF6523F-E743-46A7-961E-3694DB3949C9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
CFCFS5269: Minimal use of credit
- Clayton Comments: Borrowers have minimal use of credit
|
|
1D5BB284-1F47-4A41-AB8C-B86360E9775B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 19 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 723 exceeds guide lines.
|
|||||||||||||||
|
3B6EC6AC-ADE9-4C49-8EEA-81C17034464E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 757 > is above guideline minimum credit score 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 44.81 points below the guideline program minimum.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x60 exceeds mortgage history guidelines.
|
|||||||||||||||
|
244D11E9-951D-42CB-88BA-9C93C971B6B5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
816B24BB-D139-454C-8012-25E32E6A6F50
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Title Examination fee $100 added to final LE XXX. Fee is subject to zero tolerance. COC issued XXX lists fee amount but does give sufficient details as to
why fee was added. No cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery.
|
04/XX/2025 Client provided COC XXX reflecting Title Exam fee added due to review and remove/clear judgement on Property Report.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 21 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
|
|
2AEDAB1A-7E68-49E2-B7D7-E1364213FDF0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
2790D416-FFE5-482B-95A3-7601402EF2EC
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments: Positive XXX income not used to qualify
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
84D48564-2EC3-4143-BC0B-7983A4610399
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 795.
|
|||||||||||||||
|
9BFD4B02-E554-41B8-8763-C4456348894F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 8 years.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 6 years.
|
|||||||||||||||
|
FADBF4F2-77DA-4455-A46A-96BF03D216A7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 677 > is above guideline minimum credit score 660.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 20 years.
|
|||||||||||||||
|
C02EE43A-97EE-4C5C-A83A-FD7F21CFF24F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x67 exceeds mortgage history guidelines.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI: 35.68% is 9.32 points below the guideline program minimum.
|
|
3BAF870C-2352-4D73-A035-8E1C00889315
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Title Examination fee $100 added to initial CD XXX section B. COC issued XXX lists fee amount but does not give sufficient details as to why fee was added.
No cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery.
|
04/XX/2025 Client provided COC XXX reflecting Title fee added to address and clear a UCC fount on Property report.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 17 years current residence time
CFCFS5269: Minimal use of credit
- Clayton Comments: 8.00% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 41 mos. mtg. payment hist exceeds guideline min. required of 12 mos.
|
|
5309AE00-553D-488F-B66A-74DD9860101D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is X% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 730 credit score exceeds the 660 minimum guideline requirement by 70 points.
|
|||||||||||||||
|
F569EE1F-B0AC-4E8A-A423-6F7019EB962C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KS
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 14+ years at current job
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 10 years
|
|||||||||||||||
|
9C62F0FF-1FD7-46EB-9CA7-A4D8C62D3B24
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.29% below guideline requirement 45.00%.
|
|||||||||||||||
|
62F639E3-41A8-48E9-9596-B2F9C00A2CEA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ND
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 781 > is above guideline minimum credit score 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 12.32 points below the guideline program minimum.
|
|||||||||||||||
|
F34F37E8-649F-4623-B9B0-95B73D6D83EA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 19 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
4849B981-45AF-4124-8EDA-8F5497DD8228
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DE
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
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
|
Adjusted Charges$2,836.02Total Loan Amount$XXXMaximum Charges %5.000%Maximum Charges$2,381.58Charges Margin to Threshold$454.44Total Charges
%5.954%Appraisal and Title Closing fee are paid to Affiliates. Missing Split Fee disclosure for further testing. Additional conditions may apply.
|
03/XX/2025 Client provided the Fee Split Document for proper allocation of Affiliate fees. QM Rebuttable Presumption
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.37% below guideline requirement 45.00%.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the line of business for 30 years.
|
|
4849B981-45AF-4124-8EDA-8F5497DD8228
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DE
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
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
|
Adjusted Charges$2,836.02Total Loan Amount$XXXMaximum Charges %5.000%Maximum Charges$2,381.58Charges Margin to Threshold$454.44Total Charges
%5.954%Appraisal and Title Closing fee are paid to Affiliates. Missing Split Fee disclosure for further testing. Additional conditions may apply.
|
03/XX/2025 Client provided the Fee Split Document for proper allocation of Affiliate fees. QM Rebuttable Presumption
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.37% below guideline requirement 45.00%.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the line of business for 30 years.
|
|
4849B981-45AF-4124-8EDA-8F5497DD8228
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DE
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Section 32
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPS32371
|
Section 32 Loan per Points and Fees Test
|
No
|
Adjusted Charges$2,836.02Total Loan Amount$XXXMaximum Charges %5.000%Maximum Charges$2,381.58Charges Margin to Threshold$454.44Total Charges
%5.954%Appraisal and Title Closing fee are paid to Affiliates. Missing Split Fee disclosure for further testing. Additional conditions may apply.
|
03/XX/2025 Client provided the Fee Split Document for proper allocation of Affiliate fees.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.37% below guideline requirement 45.00%.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the line of business for 30 years.
|
|
8BA75408-B732-48C4-919F-A6B9063B8263
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 17 years and 9 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 15 years and 2 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.06% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
516D7243-C988-4DD8-BDB3-D1415D0B746F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: Borrowers have no late payments on the mortgage history
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 12 years at current residence
|
|||||||||||||||
|
C3CB60D7-F7F4-40EE-BA6E-D60CFE2B74F9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 24%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 10 years on current job
|
|||||||||||||||
|
8F45F59B-6E60-459F-BBFC-91CB5598ACAF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 36%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
44A894C3-006F-4A39-BD2D-C64FE040B495
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2862
|
Copy of Note in file is incomplete
|
No
|
Missing signature page
|
4.XX.2025 Client provided executed Note for subject
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 12 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 43 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
CFCFS5269: Minimal use of credit
- Clayton Comments: 18% revolving credit utilization
|
|
047A6E35-7B9D-469E-BBFB-9AB5D89D9DD5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 28%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
67832C57-2696-4362-9966-A2A713D751E2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: 67.87% is 7.13 points below the guideline program minimum.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 676 > is above guideline minimum credit score 660.
|
|||||||||||||||
|
A8EFB1D5-A2C1-425F-BF13-0FD58D015569
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has > 7 years at current residence
|
|||||||||||||||
|
44A1E922-8F3F-44AE-9D18-EB48895B99E6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 11% revolving credit utilization
CFCFS1736: Significant time at current residence
- Clayton Comments: 21.2 years current residence time
|
|||||||||||||||
|
AE5F9F58-54E6-4672-9E4E-33329BA1AD52
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 35.59% below guideline requirement 45.00%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%
|
|||||||||||||||
|
ABC6E533-30EF-4B8C-953B-81B811B3D59D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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 of $100 due to a Title exam fees on XXX with invalid reason in file. Provide COC PCCD with cure, copy of cure check, LOE to Borrower
and evidence of delivery via method including tracking information within 60 days of consummation.
|
03/XX/2025 Client provided COC XXX Borrower provided approval to clear the UCC for the loan to continue. Resulting Title Exam added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 756 exceeds guidelines 720
|
|
30447012-5069-48CE-A9D5-8B9276FA2028
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 22 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
4894EED5-6BD7-4B73-AA59-7C6D14AD5167
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 19 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 748 exceeds guide lines.
|
|
4894EED5-6BD7-4B73-AA59-7C6D14AD5167
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 19 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 748 exceeds guide lines.
|
|
A49E50AD-7447-473E-BEC7-F7765CBC346E
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 7.1 years current job time.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 72 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
55F82BC6-AD03-4603-A0CD-28117CB03E4A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 has no late payments on the mortgage history
CFCFS2860: Good credit history
- Clayton Comments: Borrower has overall good credit history
|
|||||||||||||||
|
C7DF76FC-7D3E-456B-A0FA-5FFDBBAAAE80
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 809.
|
|||||||||||||||
|
A95FEEB1-7B58-40AB-8B20-7CE7B41ECC25
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Appraisal is cut off, bottom half of entire appraisal is missing
|
4.XX.2025 Client provided full legible copy of appraisal dated XXX with value $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 37.54 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|
A95FEEB1-7B58-40AB-8B20-7CE7B41ECC25
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Appraisal is cut off, bottom half of entire appraisal is missing
|
4.XX.2025 Client provided full legible copy of appraisal dated XXX with value $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 37.54 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|
9D9ECAD9-F3C0-43E2-B014-6CC50BCB006E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 18 years at current job
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
5FAAD5AE-1843-4F46-86AA-E568CDA01A56
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 85.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 42 months 0x30
|
|||||||||||||||
|
0CADF4BE-35EA-4B5A-9AD1-59BD52638135
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 758 > is above guideline minimum credit score 720.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 5 years.
|
|||||||||||||||
|
3850FE0E-D8E0-44F7-92B8-1759FC59EC6D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 29.63%% below guideline requirement 45.00%.
|
|||||||||||||||
|
36628382-4EB2-4C5D-A1BF-1DF2E9D9D858
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Home Mortgage Information Document not provided
|
03/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 11 years on current job
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 10 years at current residence
|
|
F374A6CE-98F2-44CC-B65A-EE9F7EC2E8B9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 728 FICO exceeds guideline of 700.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.73 DTI below guideline of 45.
|
|||||||||||||||
|
C21D17C8-3DA3-4D4D-92C9-EB705F972889
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 40.08 points below the guideline program minimum.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 777 > is above guideline minimum credit score 760.
|
|||||||||||||||
|
D2AD97F1-F8E3-4E65-9418-3D80AC9BB53F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: Borrowers have no late payments on the mortgage history
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 34%
|
|||||||||||||||
|
7FF5B7EA-E47F-4DD8-B008-513B446C192E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX9% LTV below guideline requirements of 85.00% per program.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 12 years
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 767 is 71 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 28.85% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
6B92855A-D801-4B01-A6D4-D47FAB72E0FB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AR
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
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 has no late payments on the mortgage history
CFCFS2860: Good credit history
- Clayton Comments: Borrower has overall good credit history
|
|||||||||||||||
|
C0652071-3C86-4740-9A24-723FDB09273D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 712.
|
|||||||||||||||
|
6EF1470B-2C22-4CD9-B90C-DD125506911B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 27 years at current job
|
|||||||||||||||
|
E33457BD-D8B7-463E-815B-E8A4FE0210B5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 746 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 10 years.
|
|||||||||||||||
|
19E784EA-33BE-4D69-94A2-9A920C737DDA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 34%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
EF23F0A5-AD34-4EA2-B6CC-CD48ED7D4C2B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing OH CSPA Home Mortgage Information Document.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 16%.
|
|
F840E97E-3A67-4351-BB38-0440D7FE821D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 16 years on current job
CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments: Borrower has 2 year history of OT income not used to qualify
|
|||||||||||||||
|
5628E630-1C5A-4FCA-903A-4F40EA3EECBE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 710 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.07 DTI below guideline of 45.
|
|||||||||||||||
|
E3BB5887-98C1-47C2-8BD6-0A1E11055AC2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers in current residence for 24.7 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current job for 25 years.
|
|||||||||||||||
|
CED83CD8-DE83-4806-9650-D7EAAD999BF2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 14.5 years current residence time
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 22 years current job time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 55 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.
|
|||||||||||||||
|
8C0E1365-52E4-4AE7-9A30-635A4B0E80E8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 20 years at current residence
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
46DFC422-FB69-45A2-8218-CC57BAE88F14
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 exceeds guidelines
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 32 years 3 months
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: B2 has significant time at current job, 20 years 7 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 21 years 7 months
|
|||||||||||||||
|
D0F76D36-340A-4D3A-91FA-58B242E62BEA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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 of $83.00. No reference on the COC XXX for the increase of the Taxes on that day and COC XXX does not reflect the correct amount for the
total taxes on Disclosure. Provide correct COC's reflecting Valid reasons for the amount of the increase on XXX and the further increase on XXX. Valid reasons and fees properly disclosed on the COC's. Additional conditions may apply.
|
04/XX/2025 Client provided COC XXX reflecting loan amount increase, increasing Points and Transfer taxes.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|
CEBB3354-E3C5-4DC8-960D-157969F637E9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 10 years.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower has 0x30 last 53 months payment paid on time.
|
|||||||||||||||
|
2DDD3694-6FBE-4080-AC3E-C29AF60DF8E3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 Closing Disclosure issued at consummation XXX.
|
03/XX/2025 Client provided missing Final CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 24 years at current residence
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is 51%
|
|
3E90B128-B506-4985-B6FB-BE3819BCC475
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
UT
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments: Co-borrower has positive Schedule C income not used to qualify
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
88A638C7-2232-4838-A206-7A929921E751
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
Non-QM: Lender documented all ATR UW factors
|
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: Minimum credit score required is 680. Loan credit score is 723.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
|
|||||||||||||||
|
65A19F41-32E8-458F-9B8D-3715EAC05DC8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 75%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 87 months exceeds guidelines of 12 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 45 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 34.5 years.
|
|||||||||||||||
|
C92FE161-AAB3-4B80-9D75-39DF452293D8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 20 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 17 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 23.93% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 75%.
|
|||||||||||||||
|
C06E62C7-6F0B-4CB1-9525-05E860DB1911
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 729 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 49 years.
|
|||||||||||||||
|
3338A809-954E-4460-ACF7-9AED412FF803
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 10 years at current residence
|
|||||||||||||||
|
C1F1EA21-F2BD-42D9-A26F-DA71C531BA00
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 30.11 years current job time
CFCFS1736: Significant time at current residence
- Clayton Comments: 27.2 years current residence time
|
|||||||||||||||
|
6BE9824D-D4E4-4719-A858-F64E09D3D0C5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
|
|||||||||||||||
|
9113A870-24A0-4A2C-A311-5A499C2689FC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 5 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 15 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.60% max per guidelines is 45%.
|
|||||||||||||||
|
AF5AFFBF-8D75-4022-A118-59EE6008EDE1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 has no late payments on the mortgage history
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
9801AE52-2E5F-4DBD-9636-76E11E2B4318
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 680. Loan credit score is 721.
|
|||||||||||||||
|
7598F0A7-46F0-487B-B9FF-DD6904489D98
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 > 16 years at current job
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%.
|
|||||||||||||||
|
2D4C9700-E75E-4981-9B76-3F60F3221804
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 11 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 769 exceeds guide lines.
|
|||||||||||||||
|
4FC779BB-6B90-4869-A413-09C078664E09
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing verbal VOE dated 10 day before closing co-borrower.
|
3.XX.2025 Client provided duplicate VVOE and Written VOE for B2 however appears we are missing B1 VVOE w/XXX. Per document XXX was used to verify
employment for B1 (XXX). Condition remains for B1 VVOE from XXX3.XX.2025 Client provided Written VOE for B1 dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 10 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 8 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 5 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 75%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 36.98% max per guidelines is 45%.
|
|
BE2C5FE4-C807-4525-BA36-54FBD7255701
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 738 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.62 DTI below guideline of 45.
|
|||||||||||||||
|
6853F14B-8DB5-4602-B478-5007748E5D0D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 43.40 points below the guideline program minimum.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 15 years.
|
|||||||||||||||
|
D2D22DA5-3F43-4FAF-8B7C-A9D817F28540
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
Per XXX Evidence Summary, Initial Disclosures were sent on XXX File is missing Loan Estimate XXX.
|
04/XX/2025 Client provided missing Initial LE XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 32 years at current residence
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|
A420AEE1-043F-47A0-8BA5-F90912D98D74
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTXHE108
|
TX Equity - Total fees greater than the allowable cap
|
No
|
Adjusted Charges$2,737.50 Maximum Charges %2.000%Maximum Charges$1,500.00 Charges Margin to Threshold$1,237.50Total Charges %3.650%
|
04/XX/2025 Client provided a screen shot of Price & Lock details including the Undiscounted rate of XX.XX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 20 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 29 years.
|
|
A420AEE1-043F-47A0-8BA5-F90912D98D74
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 20 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 29 years.
|
|
A420AEE1-043F-47A0-8BA5-F90912D98D74
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 20 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 29 years.
|
|
70911EC2-2677-47F0-B515-0DA85477C6C5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Application
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDAPP157
|
Application Not Signed by Primary Borrower
|
No
|
Missing Final signed or esigned 1003 for both borrowers supporting the income being used on 1003Only signed 1003 in file is the initial esigned 1003 dated
XXX (Note date XXX)
|
3.XX.2025 Client provided final esigned 1003 for both borrowers dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 8 years 7 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 10 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: B2 has significant time at current job, 19 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 75.00%
|
|
7B02EF15-8F17-45FB-BB9F-E806DBA19C0E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 has no late payments on the mortgage history
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
D3E982DF-4CBF-4DDA-B374-E1126BD1E0A9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 23 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
437F6AD3-ED58-4E7C-87E5-C4CC2183CC2D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 79.98% LTV below guideline requirements of 85.00% per program.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 7 years and 2 months
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|||||||||||||||
|
E143A338-D09A-4C25-8C3C-1D1F3B1E3C06
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 24 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
CFCFS1736: Significant time at current residence
- Clayton Comments: 5 years current residence time
|
|||||||||||||||
|
132FBA45-C879-4757-B204-AEC9DACF37FD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 786 > is above guideline minimum credit score 760.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x84 exceeds mortgage history guidelines.
|
|||||||||||||||
|
3802F5FD-E6FF-4B86-BB56-23B03DB6302E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 5 years.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: Borrower has 0x30 last 15 months payment paid on time.
|
|||||||||||||||
|
7BD58C43-58F1-483F-804D-DCFD77647C85
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 43 mos. mtg. payment history exceeds guideline mi. requirement of 12 mos.
CFCFS5269: Minimal use of credit
- Clayton Comments: 30% revolving credit utilization
|
|||||||||||||||
|
0D60D851-BD9C-4E09-9020-CDE33D218ABE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
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
|
Clayton determination of Non-QM based on excessive fees. Lender determination of QM SH. Using benchmark date of XXX for bona-fide discount points.
|
04/XX/2025 Client provided the fee split for proper allocation of Affiliate fee. QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 741 credit score exceeds the 660 minimum guideline requirement by 81 points.
|
|
0D60D851-BD9C-4E09-9020-CDE33D218ABE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Section 32
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPS32371
|
Section 32 Loan per Points and Fees Test
|
No
|
File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply.
|
04/XX/2025 Client provided the fee split for proper allocation of Affiliate fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 741 credit score exceeds the 660 minimum guideline requirement by 81 points.
|
|
5CC8B54C-3CAB-47A2-B86A-E3B54317AEB0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
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
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
Missing Title
|
4.XX.2025 Client provided Title Report
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 24 years at current job
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 39.98% below guideline requirement 45.00%.
|
|
705FCD63-E7E2-436D-9551-CDA601905BCB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 has no late payments on the mortgage history
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 20 years on current job
|
|||||||||||||||
|
00B731BF-3601-4F32-BEF9-428D935C7C8A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 38 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 12 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%
|
|||||||||||||||
|
98E1AC52-E0EB-4C9A-91B8-A83FF1ED7E10
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 35%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
094AE8CC-D3FB-4E79-AC9C-689107C666AE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 75.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: On job 9+ years.
|
|||||||||||||||
|
AE40C7D0-C4A4-4396-8DD7-111AAEACBCD7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Missing Page 4 of the executed Note.
|
4.XX.2025 Client provided all 4 pages of executed Note for subject
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers been at current residence for 27 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 759 max per guidelines is 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX0% max per guidelines is 85%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 35.40% max per guidelines is 45%.
|
|
7D0A926D-22A4-4220-A662-9D14F3CB88A1
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 700. Loan credit score is 729.
|
|||||||||||||||
|
1B5470D3-4692-4264-A9B2-1497812C6682
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Documentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPDOC255
|
Compliance: Missing or Incomplete Addendum or Rider.
|
No
|
According to the Mortgage the property is a Condo and requires a Condo rider. Condo rider is missing in the file.
|
04/14/2025 Client provided the missing Condo Rider to the Mortgage.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 42.51 is less than the max of 50..
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85
|
|
946BED4C-9A61-4D14-8705-56F77E35C347
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 72% CLTV is 13% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 725 credit score exceeds the 660 guideline minimum requirement by 65 points.
|
|
946BED4C-9A61-4D14-8705-56F77E35C347
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 725 credit score exceeds the 660 guideline minimum requirement by 65 points.
|
|
0EE24E64-22FD-4EF2-BEBF-4281AA464B76
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 5 years and 2 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 730 is 70 points above program guideline minimum of 660.
|
|||||||||||||||
|
7ACD0762-CD3B-4158-94D9-F5E616EC5F79
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 12% revolving credit utilization
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 9.8 years current job time
CFCFS2854: Significant time in profession
- Clayton Comments: B1 has 15.1 years in same line of work/profession
|
|||||||||||||||
|
C77914C6-F482-476B-9F00-3808756DC782
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Significant total monthly debt reduction payment went from $XXX to $XXX reduction is 62%
|
|||||||||||||||
|
BE133EB5-4855-4055-AFA9-D06C307AFD85
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 has no late payments on the mortgage history.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 7 years on current job.
|
|||||||||||||||
|
244C3105-5434-407B-901C-206EF026BB5B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property > 13 years,
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has >24 years at current job
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 25.27% below guideline requirement 45.00%.
|
|||||||||||||||
|
444682DB-FCD0-4CF1-A97D-0189A22333F6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1307
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated
|
No
|
Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan).
|
04/XX/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 21 years
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 10 years 1 month
|
|
444682DB-FCD0-4CF1-A97D-0189A22333F6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1319
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated
|
No
|
Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost).
|
04/XX/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 21 years
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 10 years 1 month
|
|
444682DB-FCD0-4CF1-A97D-0189A22333F6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP1297
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file
|
No
|
Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan).
|
04/XX/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 21 years
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 10 years 1 month
|
|
444682DB-FCD0-4CF1-A97D-0189A22333F6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP1309
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file
|
No
|
Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost).
|
04/XX/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 21 years
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 10 years 1 month
|
|
513235DA-AFE9-4E2C-AB6A-E89A4C75C11D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 17 years and 1 month
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 10 years and 1 month
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job; 27 years and 1 month
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 80.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 712 is 52 points above program guideline minimum of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 39+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33.31% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
617AAE86-056F-4252-965A-5B1516120CF2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 of 66 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5.5 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 6.5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 20 years
|
|||||||||||||||
|
260BFF8A-098F-40DD-9FA5-7A2AE6BF4B6A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 43.40 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|||||||||||||||
|
93581938-4DD7-4CA5-92E3-547509A379A5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 has no late payments on the mortgage history
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The LTV is X%
|
|||||||||||||||
|
227F6D9D-973E-4A2A-9A42-EB8A8E110C63
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing verification of current taxes for subject property. Taxes are not escrowed.
|
4.XX.2025 Client provided copy of Tax bill for subject property
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 676 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.68 DTI below guideline of 45.
|
|
388F64AD-A7B7-4965-A18B-C0DA2F072249
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 13.25 years
|
|||||||||||||||
|
2105557D-42FA-443A-93BA-CE69ED142613
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 6 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 706 exceeds guide lines.
|
|||||||||||||||
|
C483CB5F-5106-4EC9-8876-F119858A9CB0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 18 years at current job
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 30 years at current job
|
|||||||||||||||
|
27BECDC9-35FE-41FA-BB42-CA0DBB0A29E4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 10.20 points below the guideline program minimum.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 37 years.
|
|||||||||||||||
|
BC9FCBA6-9F4C-4805-876F-D03D4F31C465
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR2043
|
Cannot determine if funding date is after rescission period
|
No
|
ROR - Missing Right of Rescission form
|
04/XX/2025 Client provided missing H8 ROR forms fully executed at closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: The borrowers have 12 years at current residence
|
|
BC9FCBA6-9F4C-4805-876F-D03D4F31C465
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR5345
|
ROR - Missing or Incomplete Right of Rescission form
|
No
|
ROR - Missing Right of Rescission form
|
04/XX/2025 Client provided missing H8 ROR forms fully executed at closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: The borrowers have 12 years at current residence
|
|
BC9FCBA6-9F4C-4805-876F-D03D4F31C465
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: The borrowers have 12 years at current residence
|
|
BC9FCBA6-9F4C-4805-876F-D03D4F31C465
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: The borrowers have 12 years at current residence
|
|
0B1721EF-2C73-463E-AA6D-FA7367E8CC51
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 724 is 64 points above program guideline minimum of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 39.23% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
A9335EDF-4E69-4DD4-9E52-8EEE6303D654
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 CD at consummation.
|
04/XX/2025 Client provided the missing Final CD executed at closing
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 730 FICO exceeds guideline of 700.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 40.32 DTI below guideline of 45.
|
|
A9335EDF-4E69-4DD4-9E52-8EEE6303D654
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Missing final CD at consummation.
|
04/XX/2025 Client provided the missing Final CD executed at closing with correct Disbursement date.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 730 FICO exceeds guideline of 700.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 40.32 DTI below guideline of 45.
|
|
0889FB54-ECB8-40D6-AEDE-D3DC69149D78
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3268
|
Note in file is incomplete
|
No
|
Missing page 3 of note with name and signature.
|
04/XX/2025 Client provided fully executed Note XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 734 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 20 years.
|
|
0593DC94-B640-4FD9-9070-E34EF5867E06
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
CMPTRID3676
|
TRID - CD: Ten percent 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
|
10% tolerance in the amount of $122.30 as Recording Fee increased on CD XXX without a valid COC in file. Condition pending receiving a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/XX/2025 Client provided PCCD XXX with Principal Reduction and LOE. The Loan transaction history received is for a different loan #. Condition remains
for correct loan payment history reflecting the correct principal payment applied. 04/XX/2025 Client provided the correct Payment History reflecting payment Applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 765 FICO exceeds guideline of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.59 DTI below guideline of 45.
|
|
60620286-30D9-4D56-93AE-345F29469F95
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
691864E9-04CA-4FA3-9E87-CB816F8F192A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 12% below the maximum guideline requirement of 75%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 32 month mortgage payment history exceeds the 12 month guideline minimum requirement by 20 months.
|
|
691864E9-04CA-4FA3-9E87-CB816F8F192A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 12% below the maximum guideline requirement of 75%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 32 month mortgage payment history exceeds the 12 month guideline minimum requirement by 20 months.
|
|
391EEF3C-75E4-4BCA-A9A5-3762BC3C376F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAPROP132
|
Missing HOA Certificate/Questionnaire
|
No
|
Missing HOA Certificate/Questionnaire
|
4.XX.2025 Client provided LOX stating, This is a detached condo, we do not require a questionnaire to be completed on detached waiver reviews.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
(No Data)
|
|
899C547F-7057-478C-8C27-94AD95306D1E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 751 > is above guideline minimum credit score 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 62.74 points below the guideline program minimum.
|
|||||||||||||||
|
B5BACB15-382F-423D-856D-272C9F4177C0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 7 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 7 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
|
|||||||||||||||
|
18D77747-5D2E-4B98-9E4D-7B52F48BB40C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 29 years on current job
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
62DAA84A-75C5-4BAC-9190-A0A0070D9370
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x18 exceeds mortgage history guidelines.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Total monthly debt reduction is $XXX.
|
|||||||||||||||
|
187062BC-1DB9-4916-B529-CD2F1E6ECC4F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 96 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 21.45% below guideline requirement of 45%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 9.25 years
|
|||||||||||||||
|
F3B636F8-710F-4853-A5A9-978459E8698E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NM
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 695 FICO exceeds guideline of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x27 mortgage payment history exceeds guideline of 0x30x12.
|
|||||||||||||||
|
DE8C7D48-CED1-4ED9-8815-10FDEB15368C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Title Examination fee $100 added to initial CD XXX section B. Fee is subject to zero tolerance. COC issued XXX does not list fee amount or give sufficient
details as to why fee was added. No cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery.
|
03/XX/2025 Client provided COC XXX reflecting change for XXX Borrower opted to clear the UCC issue so that the loan could move forward resulting in Title
Exam fee required.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 724 exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 20.74% is below lender's guide line maximum of 45%.
|
|
EE48A61F-79D7-4F4E-95CA-3AFC813C0C5C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
LA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.22 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|||||||||||||||
|
9FFE4ABA-1622-46A1-88BE-432AB3E54A3D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero Tolerance Fee of $1,125.28 (% of Loan Amounts (Points)) fee increased from LE $890 to CD $2,015.28. Missing a valid Change of Circumstance, or Post
Close CD, LOX and copy of refund check to borrower.
|
04/XX/2025 Client provided COC XXX reflecting Rate lock with increase of Discount Points.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 31 years and 8 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 6 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
|
|
C1B46432-CD9E-4E5D-A1CC-363E46B6E449
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 85.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Reducing outgo by $432 a month.
|
|||||||||||||||
|
25D1F30F-0C5A-412F-A089-581078633470
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 43.42 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX7 is less that the max of 90.
|
|||||||||||||||
|
7CB30933-1BBB-4C6A-B5D8-37C16C1A2910
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 759 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 40.74 DTI below guideline of 45.
|
|||||||||||||||
|
74C222D5-ADED-43A8-B571-4B2A6762D2F9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been at current residence for 34 Years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV of XX% is below maximum allowed of 85%
|
|||||||||||||||
|
6E4D36CE-3DE0-437C-9272-F2F29529BD1E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 43 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: borrower paying off $93,757 in open debt
|
|||||||||||||||
|
6998B571-E662-4DB5-BB62-F7B137005B32
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 17% below the maximum guideline requirement of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 748 credit score exceeds the 660 guideline minimum requirement by 88 points.
|
|||||||||||||||
|
ADF4B9C9-2654-43C2-BC92-91BA1D7F633A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: Borrowers have no late payments on the mortgage history
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
3300165C-72FF-404B-AA8D-2B5255A95243
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 23+ years.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Reducing outgo by $XXX a month.
|
|||||||||||||||
|
7F830A9A-B59C-41C8-B5F7-B316743E9965
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 29%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 17 years on current job
|
|||||||||||||||
|
08110640-D6AE-4041-8734-29571E9B7E91
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 5 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 787 max per guidelines is 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
|
|||||||||||||||
|
74797A2D-DF91-4D27-946C-327F7D20D10D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 31%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
A1D85292-ECCC-454F-AF4F-308A823B486C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85% - 5% for DTI >45.00% = 80.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owing the property > 10 years.
|
|||||||||||||||
|
D53D0136-D5FA-4309-A78E-05B7C1E882EB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 11 years.
|
|
D53D0136-D5FA-4309-A78E-05B7C1E882EB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 11 years.
|
|
D53D0136-D5FA-4309-A78E-05B7C1E882EB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero Tolerance Fee of $50.00 (Title - Document Preparation Fee) fee increased from LE $0 to CD $50.00. Missing a valid Change of Circumstance, or Post
Close CD, LOX and copy of refund check to borrower.
|
04/XX/2025 Client provided COC XXX reflecting Borrower requested deed update to add spouse resulting in Doc prep fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 11 years.
|
|
1B8E1477-EE10-4B6F-9B8F-DED4EDC54B49
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 5 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 7 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
|
|||||||||||||||
|
D2DDA7F6-D866-42AB-85BB-7DEC176D02D5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 75%. Loan LTV is 48.66%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 695.
|
|||||||||||||||
|
3AC6933F-AB84-4B25-9BFD-98D23ABCA513
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 44 years at current residence.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.82% below guideline requirement 45.00%.
|
|||||||||||||||
|
637D415C-8363-4560-8EE8-7DA208585B1C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31.88 DTI below guideline of 45.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x37 mortgage payment history exceeds guideline of 0x30x12.
|
|||||||||||||||
|
1733D09A-5A15-4045-88AF-01528795B449
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 13 years and 2 months.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job; 13 years and 2 months.
|
|||||||||||||||
|
3799F83D-C1C6-4B08-8BE5-2F4399DDE0B7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NM
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 39.92 is less than the max of 45.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 12+ years
|
|||||||||||||||
|
46A59347-9159-4A8A-829C-7F454B5EF274
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 35 years in current profession
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
D7838362-EC6E-4B39-A98E-DCB8CD2064D0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 37%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
FCCB0ADC-19B9-4432-BB57-FB46220F6243
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX below guideline requirements 85.00%- 5.% for DTI>45% = 80.00%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has > 15 years at current residence.
|
|||||||||||||||
|
77103145-F3C7-4F3C-95AF-F80FFF2561FE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
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: Significant time at current residence; 5 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 743 is 43 points above program guideline minimum of 700.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|||||||||||||||
|
F8E1A406-E4E3-4A61-9539-2F0EF02BFB44
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV 54.39% below guideline requirements 80.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 23.34% below guideline requirement 45.00%.
|
|||||||||||||||
|
4FA16BBA-D68F-40D2-A00A-130C6C09F3FE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 30.29% below guideline requirement of 45%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 10 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 8 years.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 10.08 years.
|
|||||||||||||||
|
C11392E3-D4A5-43AE-B6AA-8F416CB480F7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 40 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
D22C35E2-83DE-468E-AEDA-62461FA2D500
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 25%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
A0D4D1A0-A87F-4D21-8AD6-2351A6E87EC3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 692 is 32 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 22.15% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
4145BF1B-6D68-46CA-B628-B0D282C82943
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 37.29 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 75.
|
|||||||||||||||
|
7289EFF1-280A-4348-9FCB-4720D3167E7B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NM
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 15 years in current profession
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 36%
|
|||||||||||||||
|
D1250748-AF48-4030-92B8-9CA16445CC7D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
The file is missing a title report
|
4.XX.2025 Client provided Property Summary Report for subject
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 12 years at current residence
|
|
D4E33A03-2AB2-4A42-956A-4F2D7EA4A779
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 9 years.
|
|||||||||||||||
|
F944BE46-92F5-4278-B6CC-34861243D723
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Note missing signature page 4
|
4/XX/2025 Client provided the complete note
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 817 > is above guideline minimum credit score 760.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 24 years.
|
|
E8350CF7-F42B-44D5-A0EC-1EE1591D58B5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 699 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 41.70% DTI below guideline of 45%.
|
|||||||||||||||
|
5A82C486-7EC9-4587-812E-87F91D56026C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Final CD 3.26.25 - disbursement date on XXX , ROR form in file signed on XXX with end of recession on XXX , condition pending receiving Post CD with
updated disbursement date, LOX and proof of delivery to borrower.
|
04/XX/25 Client provided an LOE to borrower and XXX Post CD revising the Disbursement Date to XXX. Condition remains. Provide the fully executed Final
ALTA/Settlement Statement confirming the XXX Disbursement Date.04/XX/2025 Client provided Final Settlement statement reflecting Disbursement date of XXX and matches the PCCD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 738 exceeds guide lines.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% is below lender's guide line maximum of 80%.
|
|
7974A7D3-855B-4284-A132-36AF24E98B50
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 10 years at current residence
|
|||||||||||||||
|
4B0BEB4F-7905-44E5-8395-6314331760D2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 18 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 759 exceeds guide lines.
|
|||||||||||||||
|
259AF71B-CF06-4188-AA7D-3155E87CDB17
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 10 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 15 years time at current job
|
|||||||||||||||
|
D5C51C0B-3F32-42BF-B54B-FF32B7792524
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 28 years.
|
|||||||||||||||
|
520C8652-778D-44A4-9705-06F8EE0291BF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 11% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 735 credit score exceeds the 660 guideline minimum by 75 points.
|
|||||||||||||||
|
130B75E8-2406-48F5-B56A-037D8069F602
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing OH CSPA Home Mortgage Information Document.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 24 years at current residence.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history.
|
|
445DADAF-14EF-4B5A-BC27-4C2F3A11C9AA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 35.47% below guideline requirement 45.00%.
|
|||||||||||||||
|
66DCF4A1-6699-4DAB-8537-0A8E57052E98
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR865
|
Missing proof of flood insurance in File
|
No
|
Missing proof of flood insurance, policy in filed is not legible
|
4/XX/2025 client provided Flood insurance policy.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 9 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 9 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 5 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 756 max per guidelines is 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 23.99% max per guidelines is 45%.
|
|
08D71172-E3BD-4751-BE4D-C5446C5A624F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 26.44 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of 53.45 is less that the max of 85.
|
|||||||||||||||
|
4CC26AFF-EBE9-49D5-94F6-B5FADA61C273
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 13 years at current job
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 20%
|
|||||||||||||||
|
21EDAD66-4D49-4623-ABF9-015C6A59952B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence 8.7 years
|
|
B4AD8A03-51BD-4CEC-9F84-62603505A95F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent 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
|
Ten percent tolerance $18.40 due to increase in Recording fee on CD XXX without valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and
verification of shipping.
|
04/XX/2025 Client provided missing Initial LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 8 years at current job
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|
8CA2663E-F911-48F3-9C42-FAF9E21C15C1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 24.3 years current job time
CFCFS2854: Significant time in profession
- Clayton Comments: 25 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 14% revolving credit utilization
|
|||||||||||||||
|
7603DC61-987D-43B7-9E24-221FA619B28A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current job for 21 years.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 21 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 25 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 65.41% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
|
|||||||||||||||
|
58B70A60-A51D-4C13-87FF-C180CD7EF21A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV 67.07% below guideline requirements 75.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 5 years at current residence
|
|
58B70A60-A51D-4C13-87FF-C180CD7EF21A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 5 years at current residence
|
|
58B70A60-A51D-4C13-87FF-C180CD7EF21A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing evidence in file both title holder have received initial CD XXX min 3 days prior to closing.
|
04/XX/2025 Client provided One Spans reflecting both received the CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 5 years at current residence
|
|
354D54A9-36CB-41B2-ACCF-1B590B75B893
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 24.81% below guideline requirement 45.00%.
|
|||||||||||||||
|
1BE02C5A-C35A-45D0-93ED-AE47D2300A77
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 44.47 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|||||||||||||||
|
BEB9BB3F-2AE3-451D-B350-2F1988D84DD4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 >10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
|
|||||||||||||||
|
471073C8-2DEF-46E7-ABB6-640E00D36A94
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers in current residence for 20.1 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current job for 11.11 years.
|
|||||||||||||||
|
55457A95-5449-437C-A625-93F24CCC9C2C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers in current residence for 28.7 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Max DTI allowed is 50% and the borrowers have a 35.719% DTI.
|
|||||||||||||||
|
AC0556C3-7C53-41E2-BC0A-2855A9C7438D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero Tolerance Fee of $57.25 (Title - Notary Fees) fee increased from LE $0 to CD $57.50. Missing a valid Change of Circumstance, or Post Close CD, LOX
and copy of refund check to borrower.
|
04/XX/2025 Client provided COC XXX reflecting that Borrower adjourned the appointment. Closing took place later in the evening resulting in a Notary fee
charged for the additional print/trip fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 42.46 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|
6B835C6E-1D54-4F55-829E-92024819A77D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
Non-QM: Lender documented all ATR UW factors
|
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: CLTV: XX% is 9.09 points below the guideline program minimum.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 25+ years.
|
|||||||||||||||
|
63F0F045-1BA1-4242-B883-53D7A3A9EAF1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 20 years at current job
|
|||||||||||||||
|
639ACEDC-4614-479B-A5D7-2D1E634C5468
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 42.65 points below the guideline program minimum.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 8 years.
|
|||||||||||||||
|
5896216E-4334-402C-ABC1-D134514D7EAA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 > 18 years at current job
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
|
|||||||||||||||
|
43BC67B0-4D47-41A5-918B-EF01CA8AB476
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ME
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 owning the property > 35 years
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 41.91%below guideline requirement 45.00%
|
|||||||||||||||
|
8C996B7D-92B1-414E-AE7E-57F2AF3A2160
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 37.25% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 19.08 years
|
|||||||||||||||
|
E65E4A18-F11D-4859-9D8A-3953FA34CFD7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 30.06 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
4094DB0B-ED86-412F-8644-65C12F646678
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Property Valuations
|
Property
|
Waived
|
B
|
B
|
B
|
B
|
PRVAPROP2674
|
Property Issues Indicated 2
|
No
|
Property is a unique property type
|
04/XX/25 Client provided approved exception approval with the following compensating factors: DTI less than guidelines, LTV and qualifying score.
|
Clayton initial and final grade of B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 20 years at current residence
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 43.325 DTI vs 50%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying mid score exceeds guidelines.
|
|
A9374D67-B741-4226-B4C2-5C899A388727
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 14 years on current job
|
|||||||||||||||
|
4D796D96-DD6F-4460-AF92-9792CD2A08FA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: added by mistake
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 720. Loan credit score is 722.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Paying off several debt at closing.
|
|||||||||||||||
|
21FFC349-B510-4C71-BF1F-9E9AB071652E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 30.61% below guideline requirement 45.00%.
|
|||||||||||||||
|
5E7F59F7-1ACC-43FB-BBC8-ED13C355038F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 20 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 739 exceeds guide lines.
|
|
81AE0AE5-015E-441E-AC4B-E2E7DAB8377A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 10.51 points below the guideline program minimum.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x46 exceeds mortgage history guidelines.
|
|||||||||||||||
|
876DD4CC-2FD0-41B6-B221-24949835E5CA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 13 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 737 exceeds guide lines.
|
|||||||||||||||
|
E9FAB9E5-9037-4264-9D0D-30C7E73892AF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Title Examination fee $100 added to initial CD XXX section B. No COC form provided listing fee amount or any details as to why fee was added. No cure
provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery.
|
04/XX/2025 Client provided COC XXX reflecting UCC lien identified on the Property report , requiring title curative action ordered resulting in Title
Examination fee added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 24.39 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of 78.85 is less that the max of 90.
|
|
8A97DA85-0372-42D8-8D66-A9FF438C15A6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history.
|
|||||||||||||||
|
78C3440A-0D80-4C27-8F55-D6B0B0046A95
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
Per COC XXX rate was lowered. All Disclosures in file have the same rate. Provided the Initial LE reflecting the higher rate. Additional conditions may
apply.
|
04/XX/2025 Client provided the Initial LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 31.64 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|
B55329C3-4B41-438D-84B7-1AC82AB2C089
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 31.58 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|||||||||||||||
|
EDA1C047-E407-4CC3-9725-3F1360262835
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 27.35 points below the guideline program minimum.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x59 exceeds mortgage history guidelines.
|
|||||||||||||||
|
945344A7-6FAC-4AE4-A48C-A2A3DF161F82
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 20 years and 10 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 80.00% per program.
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 759 is 39 points above program guideline minimum of 720.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|||||||||||||||
|
CC11AFB4-5DBF-4663-9C34-4FAAE58436D8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 776 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31.46 DTI below guideline of 45.
|
|||||||||||||||
|
A8320586-E26C-4371-86E2-D170F0EDBB5F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 36% CLTV is 49% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 749 credit score exceeds the 680 minimum guideline requirement by 69 points.
|
|||||||||||||||
|
C35F7978-50E7-4D0B-B5F9-1F3495736A22
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 797 FICO exceeds guideline of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x58 mortgage payment history exceeds guideline of 0x30x12.
|
|||||||||||||||
|
844B1041-480D-4DF5-A51F-553107B9EE32
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 34.93 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
2A75A0C0-14D2-4159-AE60-77779F76550D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 701 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.60 DTI below guideline of 45.
|
|||||||||||||||
|
6A1F78F5-4263-44A6-9790-16AB24D9813A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3268
|
Note in file is incomplete
|
No
|
Note in file is incomplete; missing last page with borrowers' signatures.
|
4.XX.2025 Client provided copy of Subject executed Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 21.98% below guideline requirement 45.00%.
|
|
6A1F78F5-4263-44A6-9790-16AB24D9813A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Note is Missing Signature Page.
|
4.XX.2025 Client provided executed subject Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 21.98% below guideline requirement 45.00%.
|
|
6A1F78F5-4263-44A6-9790-16AB24D9813A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2862
|
Copy of Note in file is incomplete
|
No
|
Duplicate exception; cancelled.Note in file is incomplete; missing last page with borrowers' signatures.
|
4.XX.2025 Client provided executed subject Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV 56.42% below guideline requirements 80.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 21.98% below guideline requirement 45.00%.
|
|
75692EB8-22E3-4D26-90FC-270B859484FF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 21.80 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
4A122D13-8127-443B-B65C-BB17B70E46A9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 752 exceeds guide lines.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X99 mortgage payment history exceeds guide lines of 24 months.
|
|||||||||||||||
|
8563BF9C-3A08-4FA1-934C-B2440A8D20A0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 75
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 10 years.
|
|||||||||||||||
|
1D2C3FD7-E979-48A6-97BF-568C0A798A47
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 11.9 years current residence time
CFCFS5269: Minimal use of credit
- Clayton Comments: 5.00% revolving credit utilization
|
|
1D2C3FD7-E979-48A6-97BF-568C0A798A47
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 11.9 years current residence time
CFCFS5269: Minimal use of credit
- Clayton Comments: 5.00% revolving credit utilization
|
|
EBA7242E-FBEF-47FC-B25C-A393B3423628
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 9.1 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 45 mos. mtg. payment hist. exceeds min. guideline requirement of 12 mos.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV of XX% is below max allowable per guidelines of 80%
|
|||||||||||||||
|
00BEFA6C-E1A8-48D0-8961-B6837D52C6F2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 717 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.20 DTI below guideline of 45.
|
|||||||||||||||
|
A46848AC-3223-4765-BD2F-080AD6A0D890
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 19 years and 10 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 31 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 35.17% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
F4D66C45-3001-4E90-8A72-21E0EA99B1CA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 741 exceeds guidelines, required 700
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: B2 has significant time at current job, 12 years 7 months
|
|||||||||||||||
|
D4CE9E18-9373-45C2-A530-8FD55D9822D1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 11 years and 1 month
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job; 14 years and 9 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 777 is 117 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 20.64% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
A2017621-465F-45EA-B99D-FAA8F56AE325
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 29 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
7BC22941-1E5F-4555-AD15-4919F1835B16
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers at residence for 26.8 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower at current job for 29.11 years.
|
|||||||||||||||
|
9CD355B9-9775-44FF-8C96-099B41411145
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
3.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5.67 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 8.08 years
|
|
9CD355B9-9775-44FF-8C96-099B41411145
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
3.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5.67 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 8.08 years
|
|
190F65CC-6C00-4A1A-97D4-BA5B6D26A158
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
85FA7872-F121-4BB5-ADC4-8168241E9EF2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing documentation of property taxes for the subject property. Taxes are not escrowed.
|
4.XX.2025 Client provided copy of tax bill supporting $236.40
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 774 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.11 DTI below guideline of 45.
|
|
826C41D2-56AB-419E-98A8-B34013EA5B44
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 734 FICO exceeds guideline of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 30.77 DTI below guideline of 45.
|
|||||||||||||||
|
845F8DB8-48DE-4158-9D27-1E4672FA093A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 27.28% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 10.75 years
|
|||||||||||||||
|
8ACA4F57-F00D-49C1-9413-46DFA4EC52D8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 803 exceeds guidelines 760.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 19 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
|
|||||||||||||||
|
59014DF1-BBAF-402E-B7BC-EB4344FD7855
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: On current job 18+ years.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0X30 on mortgage since inception in XXX.
|
|||||||||||||||
|
C1A860CB-D99E-4AF2-BC64-673FFDD44C4F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 738.
|
|||||||||||||||
|
1266D906-86F2-424F-9DCC-893C8AF4B66C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 720 credit score exceeds the minimum guideline requirement of 660 by 60 points.
|
|||||||||||||||
|
D8995D73-E4C2-438F-B9B9-A0436C11F569
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 22 years at current residence
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
CE9A5ED9-B539-4F0E-9204-4D7A44AA2231
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR in file is signed on XXX and has an expiration date of XXX. Disbursement date on the CD dated XXX is XXX. Disbursement date is before end of statutory
rescission period.Only 1 CD is provided in the file. Missing Final CD hand signed by the borrower at closing.
|
04/XX/2025 Client provided missing Final CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 36%.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 15 years in profession.
|
|
6BFE03F3-91DC-413F-A218-7D3DFCED45E1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 15 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 17 years.
|
|||||||||||||||
|
490D0567-D4C6-46AC-9B3F-C12E8C7CFCD8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
CMPTRID3676
|
TRID - CD: Ten percent 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
|
Ten percent tolerance in amount of $81.80 due to increase in Recording fee from $452 on CD XXX-1 to $579 on CD XXX-2 with no valid reasons documented on COC
XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/XX/2025 Client provided PCCD XXX with Principal Reduction, LOE and Loan Transaction History reflecting payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 31.1 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 67 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
CFCFS5269: Minimal use of credit
- Clayton Comments: 23% revolving credit utilization
|
|
6A54CB89-4153-43A4-BACF-9BF8BDF4211B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x80 exceeds mortgage history guidelines.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 5.25 points below the guideline program minimum.
|
|||||||||||||||
|
286396C2-80AD-4EBA-B836-EC757526AE38
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 24.2 years current residence time.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 26 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.
|
|||||||||||||||
|
F90BEF45-C348-4FDE-8096-E2AB5F6A9BBD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 75%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33% DTI is 12% below the maximum guideline requirement of 45%.
|
|||||||||||||||
|
6F2C839A-E751-4815-A411-E94C30ED8A15
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DE
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers at current residence for 18.2 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current job for 18.2 yearsd.
|
|||||||||||||||
|
2193FE91-C91C-464D-AE5E-83BB7DE15EC3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 10 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 734 exceeds guide lines.
|
|||||||||||||||
|
2B2355E3-3E23-4449-89B1-505F9CB6CD19
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
Non-QM: Lender documented all ATR UW factors
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0X30 since mortgage originated in XXX.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Reducing outgo by $XXX a month.
|
|||||||||||||||
|
7AC22282-35C5-4641-B9B2-AAF8EC089BD7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
XXX in file dated XXX are missing the audit trails. Provide the complete audit trails for both title holders for review.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 700. Loan credit score is 765.
|
|
|
AEEFDBB5-6D50-44C0-943A-4B70DD63981D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
04/XX/2025 Client provided the Disclosure History reflecting CD was sent via XXX on XXX. 3 days for delivery and 3 day waiting period, making the earliest
closing date XXX.
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 37.46 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
||||||||||||||
|
9654D5F3-0E24-47B2-A736-5CF44DDB63B7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 756 exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 33.86% is below lender's guide lines maximum of 50%.
|
|||||||||||||||
|
89BF0635-CF20-4919-AC5C-79ABD8CA692B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
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
|
Clayton's status determination places loan in a riskier status than the Lender's status determination because loan did not pass point and fees test
|
02/XX/2025 Client provided the Fee Split document for proper allocation of Affiliate fees.
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 31.76% DTI is below guideline requirement of 45.00%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 45+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|
89BF0635-CF20-4919-AC5C-79ABD8CA692B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Section 32
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPS32371
|
Section 32 Loan per Points and Fees Test
|
No
|
Exception triggered due to missing Fee Split document. Provide worksheet for further testing. Additional conditions may apply.
|
02/XX/2025 Client provided the Fee Split document for proper allocation of Affiliate fees.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 31.76% DTI is below guideline requirement of 45.00%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 45+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|
89BF0635-CF20-4919-AC5C-79ABD8CA692B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
No COC found in file to justify the addition of the Title Examination Fee in the amount of $100.00. Requires CoC, or corrected PCCD, copy of refund check,
LOX and verification of shipping.
|
03/XX/2025 Client provided PCCD XXX with Principal Reduction, LOE and Loan Transaction history reflecting payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 31.76% DTI is below guideline requirement of 45.00%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 45+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|
BA1EE854-CE7D-43B7-A0C4-52DD6C41EE9E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 23 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
|
|||||||||||||||
|
EA0D55A7-C053-4452-96E6-049A801972DD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
State High Cost
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPSTHC343
|
GA High-Cost Loan by exceeding point and fee threshold
|
No
|
Adjusted charges $2405.52. Maximum percent charges 5%. Maximum charges $2369.45. Total percent charges 5.076%. charges Margin to Threshold $36.07. Provide
any fee split for the Title Examination fee and copy of the XXX for updated testing. Additional conditions may apply.
|
04/XX/2025 Client provided the fee split for proper allocation of Affiliated fees.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 80.00% per program.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 5 years
|
|
3E195774-2E56-421E-BED8-EE81BE01C81C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 8 years and 10 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 764 is 64 points above program guideline minimum of 700.
|
|||||||||||||||
|
0DC2E7A4-4EA7-4552-AA12-BB64E12F8200
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
3.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 20 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 10 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.31% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 780 max per guidelines is 760.
|
|
0DC2E7A4-4EA7-4552-AA12-BB64E12F8200
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
3.28.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 20 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 10 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.31% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 780 max per guidelines is 760.
|
|
EED56DEA-27F8-4E42-A5E0-5F46389BBE2C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Provide proof of insurance with adequate coverage amount. HOI coverage is $287,100 and required coverage is $351,654.30.
|
4.XX.2025 Client provided RCE estimated replacement cost, sufficient coverage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 68 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 18.25 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 10 years for B2
|
|
C82DC16F-DFF8-4A30-B2DA-7C668AEC94E1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied
non-material 2B using the signed CD at closing
|
04/XX/2025 Client provided Disclosure reflecting sent via XXX on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 51% CLTV is 24% below the maximum guideline requirement of 75%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has lived at current residence for 31 years.
|
|
DA1741D2-6C26-4DB3-9E04-A1B4CC2F2CE1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 23 years current residence time
CFCFS2854: Significant time in profession
- Clayton Comments: CB has 10 years in same line of work/profession
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 69 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
29BB420B-15E5-4367-9BEA-1E5F6CC9D281
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 75.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 10+ years on current job
|
|||||||||||||||
|
9DE0EF9C-0E9D-4D72-9D5C-7EED39A07460
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
9B25D187-F94B-4902-9A2F-0E1321F784A6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 of 47 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 34.29% below guideline requirement of 50%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 13.67 years
|
|||||||||||||||
|
FA84EA08-029D-4F09-A2EE-CA14BD5816E4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in amount of $179.88 due to increase in Discount Points on LE XXX with no valid reasons documented on COC XXX. Rate Lock Pricing in file
dated XXX confirms no change in a loan amount/ rate/ expiration date nor LTV. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping
that includes tracking information.
|
03/XX/2025 Client provided COC XXX reflecting rate lock change due to DTI dropped requiring changes in pricing and an update to the lock. Upon review by Sr.
Operations Management, Please provide further explanation or calculation for the decrease of DTI resulting in an increase to Points. 03/XX/2025 Client provided COC reflecting new information as Income was initially reported as Non Dollars,
Once converted to US Dollars, the DTI Changed. Condition remains. Provide clarification as to why, when the DTI dropped, the Points increased. For review and additional conditions may apply. 04/XX/2025 Client provided PCCD XXX with
Principal Reduction, LOE and Loan transaction history reflecting Payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Borrowers paying off debt with transaction
|
|
07DAFEBC-0397-4888-A62F-AFB85E2C796A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
23E5080A-82B9-4112-90EA-6AE8900EE08C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 10 years.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X52 months mortgage payment history exceeds guide lines of 24 months.
|
|||||||||||||||
|
903C7868-6D21-417A-9A6B-D002B5DEDA13
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 733 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 40.73 DTI below guideline of 45.
|
|||||||||||||||
|
F9F703D0-6E91-48AE-9934-C447F9C31959
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 28.43% below guideline requirement
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 737 exceeds guidelines
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 40 years 5 months
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: B2 has significant time at current job, 12 years
|
|||||||||||||||
|
8314C34C-90F3-4070-96AF-C2F90C0447BA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
Title Document Preparation fee $125 added to revised CD XXX section B. Fee is subject to zero tolerance. COC issued XXX does not list fee amount or give
sufficient details as to why fee was added. No cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $125 w/ Proof of Delivery.
|
03/XX/2025 Client provided COC XXX reflecting Borrower requested Quit Claim Deed to update Title resulting in $XXX Doc Prep fee. COC reflects that the
Broker/Lender Notified XXX of change and CD delivered on XXX. This exceeds the 3 day notice to Borrower of changes. Provide PCCD with cure, Copy if cure check. LOE to Borrower and evidence of delivery via tracking information. 03/XX/2025
Client provided COC XXX reflecting Borrower requested Quit Claim Deed to update Title resulting in Doc prep Fee. Condition remains. Provide the missing LE XXX reflecting this change or PCCD with cure, copy of cure check, LOE to Borrower and
evidence of delivery via tracking. 04/XX/2025 Client provided PCCD XXX with POrincipal Reduction, LOE and oan Transaction history reflecting paymeny applid.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers in current residence for 22 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current job for 22.1 years.
|
|
820E2B4B-DB6F-46C8-AEC9-0133ABC41D63
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%- 5.0% = 70.00% for DTI >45.00%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 8 years.
|
|||||||||||||||
|
83C37725-6B38-4A74-ACF8-813F6905DB6F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 32 years at current residence
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
C71C6A87-9176-4FE1-902E-4516B8C20C6D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 37.94 is less than the max of 45.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: On current job 20+ years.
|
|||||||||||||||
|
9D4DA69E-BBAF-4AFE-B646-86D9B8BE8526
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 86 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 35.97% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 10 years
|
|||||||||||||||
|
B8F3C220-D60E-4F9C-BE2E-7E5AACE865F1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x44 mortgage payment history exceeds guideline of 0x30x12.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.47 DTI below guideline of 45.
|
|||||||||||||||
|
38E4E2B5-AE6E-44F2-A2F4-B2F23A238547
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Texas Equity : Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 680. Loan credit score is 753.
|
|
38E4E2B5-AE6E-44F2-A2F4-B2F23A238547
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Texas Equity : Missing T.42.1 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 680. Loan credit score is 753.
|
|
4465859D-28D0-4CC3-9396-FCEE267C8984
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing proof of a 3 year continuance for XXX Pension income from the XXX Industry. Only 1099 provided.
|
3/XX/2025 Client provided a Benefit letter dated XXX showing the benefit is for lifetime
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 19% CLTV is XX% below the guideline maximum requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 770 credit score exceeds the 660 guideline minimum requirement by 110 points.
|
|
7A7D9B90-FA8E-48C4-A19E-CF7763E53642
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 724 exceeds guideline min. requirement of 660
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV of XX% is below max allowable per guideline of 80%
|
|||||||||||||||
|
E8E07AEB-3E0F-4816-848F-B093949120CA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
20B566C5-0902-4570-B0A2-798B889E0987
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers inb current reszidence for 25 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co=-Borrower hqas been at current job for 8,1 years
|
|||||||||||||||
|
FFE06216-5AF2-4371-939A-453037914D32
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 9 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 23 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 22.64% max per guidelines is 45%.
|
|||||||||||||||
|
02303382-4536-4C9B-9340-5A53E386497E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Borrower has been owning the property for 18 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 25.77% below guideline requirement 45.00%.
|
|||||||||||||||
|
097F4F44-AE85-4426-B661-C3BA862E5C1D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 90% CLTV.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 62 month mortgage payment history exceeds the 12 month minimum guideline requirement by 50 months.
|
|||||||||||||||
|
852F31BB-85E0-4280-B03C-599AB8E4189F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 41.49 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|
56FC1645-945F-485D-915C-9AAFF26DF862
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 42.1 years current residence time
CFCFS2854: Significant time in profession
- Clayton Comments: 10.1 years in same line of work/profession
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 38 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
CFCFS5269: Minimal use of credit
- Clayton Comments: 14% revolving credit utilization
|
|||||||||||||||
|
F44DD410-4EF8-4043-B29C-A2422814ED44
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 8 years and 7 months
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job; 13 years and 3 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 12 years and 6 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 743 is 43 points above program guideline minimum of 700.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31.32% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
EFD48B4B-E198-4F2E-B36A-B97A793C000F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 814 exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 28.49% is below lender's guide line maximum of 50%.
|
|||||||||||||||
|
1F8511A0-5763-41ED-8127-1DEBA87E81D1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 has no late payments on the mortgage history
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 8 years on current job
|
|||||||||||||||
|
64D7F729-42AB-43FC-825C-2E8CF69FB92E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 798 is 78 points above program guideline minimum of 720.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|||||||||||||||
|
706D324B-6178-44A5-B1BC-932DB4613906
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 85.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned home 22+ years.
|
|||||||||||||||
|
37BB0D6B-61C1-46A0-816B-CF8B6E21B350
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 6 years current residence time
CFCFS2860: Good credit history
- Clayton Comments: all accts. are paid as agreed. 0X30,60,90 days. No collections, judgements, BK
|
|||||||||||||||
|
97B1B4EE-9296-430F-ADCD-F05DC1B0C525
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Missing page 4 of Note fully executed by borrowers.
|
4/XX/2025 Client provided the complete executed Note
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 756 exceeds guide lines.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has stable employment with 10 years at current job.
|
|
31DEFC52-1983-4F2E-ABA1-F405B360082F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 37 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
CFCFS5269: Minimal use of credit
- Clayton Comments: 16% revolving credit utilization
|
|||||||||||||||
|
E993B50B-1A98-4962-956A-3301E57D339D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 25 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 32.11% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
|
|||||||||||||||
|
76D50738-63CA-4828-9D70-CEF4A8F77B09
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 26 years at current residence
|
|||||||||||||||
|
D60E6B2F-AE10-4699-85B5-95BF3DE351A0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 817 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 32 years.
|
|
D751B61D-04F3-4F84-93CF-6C7BB96BF932
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 34%
|
|||||||||||||||
|
A621D53C-788B-444E-9988-DEECF3B8A207
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Note missing page 3, signature page.
|
4.XX.2025 Client provided executed Note, all 3 pages
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 14 years on current job
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 34%
|
|
DF5F7F08-24A6-4336-BB29-F247D450B790
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 16.3 years current job time
CFCFS2854: Significant time in profession
- Clayton Comments: CB has 9.11 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 26% revolving credit utilization
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 27.81% DTI is below max allowable per guides of 45%
|
|||||||||||||||
|
2C848A4F-7D5B-4829-A922-0F5CEDA8DC61
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have >10 years at current residence
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 10 years at current job
|
|
41291C8A-594A-4574-A6C1-AA05F0332C4A
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 30%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
DF57BE4A-C3AA-4454-B190-25A3E695D869
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: B2 has significant time at current job, 31 years 2 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 80.00%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 30 years 2 months
|
|||||||||||||||
|
455D4C7C-4565-42DB-B613-5C361D10F709
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 756 > is above guideline minimum credit score 720.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x27 exceeds mortgage history guidelines.
|
|||||||||||||||
|
AB10E2D2-B499-463D-A427-47D92A7DFB3B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH123
|
No evidence of required debt payoff
|
No
|
2 collections are being paid off on subject CD (pg 356) Missing copy of collections letters verifying balances that are being paid off Supplement Credit in
file (pg 430) do not reflect the balances for the collections that are being paid off
|
4/XX/2025 Client provided payoff letter
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 32.56% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 14 years 1 month
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 75.00%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 8 years
|
|
488D8AA8-CC81-4D7C-B459-F65F46320429
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 32 years current residence time
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 42.1 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 12% revolving credit utilization
|
|||||||||||||||
|
7CADF0E0-96F8-4CD6-B2AD-70363838EEC7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 22 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 745 exceeds guide lines.
|
|||||||||||||||
|
5460321C-F34C-4FD1-9748-B382C0163D01
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in amount of $280.15 due to increased State/ City Tax Stamp on CD XXX with no valid reasons documented on COC XXX. Loan amount increased on
CD XXX, increase in fees were not disclosed timely. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/XX/25 Client provided a XXX COC indicating the Loan Amount increased from $XXX to $XXX which resulted in an increase to the state transfer taxes
(Re-Disclosure date of XXX). Condition remains. File contains a XXX COC for the Loan Amount increase from $XXX to $XXX with Re-Disclosure on CD XXX. No Transfer Tax increase occurred at the time of this Loan Amount increase. File contains a
XXX COC reflecting the Transfer Tax increases, however there is no valid Change Reason provided (The State Tax Stamps increased by $78.15 and City/Count Tax Stamps of $XXX were added). Borrower is due a refund of $XXX.XX, Post CD with
tolerance cure, LOE and proof of delivery that includes tracking information.04/XX/2025 Client provided PCCD XXX with Principal Reduction, LOE and Loan transaction history reflecting Payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 753 exceeds guidelines 720.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 18 years at current job.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 5 years.
|
|
C1AE9F65-E00F-4A4E-9C2E-9E4C0540652A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 43 month mortgage payment history exceeds the 12 month guideline minimum requirement by 31 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 30% DTI is 15% below the maximum guideline requirement of 45%.
|
|||||||||||||||
|
21C68E55-83CE-41C8-B17B-7F325EB27A41
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
CMPTRID3646
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed;
insufficient credit or refund provided
|
No
|
Ten percent tolerance in amount of $37 due to increased Recording fee from $733 on LE XXX to $934.50 on final CD XXX with no valid COC in file. Lender's
credit of $101.20 for tolerance cure was applied ( $10 for added City Tax and $91.20 towards increased Recording fee) but is not sufficient to cover it. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of
refund and proof of delivery via shipping that includes tracking information.
|
04/XX/2025 Client provided PCCD XXX with principal reduction, LOE and Loan transaction history reflecting payment applied.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 17.2 years current residence time
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 21.7 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 11% revolving credit line utilization
|
|
0FC827C0-8341-4F95-AAAA-25231EB4F516
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 10 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 702 exceeds guide lines.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X59 months payment history exceeds guide lines of 24 months.
|
|||||||||||||||
|
D1744925-1A63-4FBE-A0FF-E2586C53FFE5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ME
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 11 years
CFCFS5269: Minimal use of credit
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 779 is 119 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 25.12% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
32142D4C-D341-4692-9CED-4D9FE3C25622
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 35.56% below guideline requirement 45.00%.
|
|||||||||||||||
|
364B9B6C-155B-407E-B4E9-B6695D502B89
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $100 for zero tolerance fees.A Title Examination Fee was
added to the CD Dated XXX.
|
04/XX/2025 Client provided COC XXX reflecting Deed/vesting change due to deceased Title holder. Curative title ordered and resulting fee added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 761.
|
|
87B74789-28D4-4609-A065-FAED79293175
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing evidence to support HOA payment of $50
|
4/XX/25 Client provided HOA invoice supporting $XX per month
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 749 max per guidelines is 720.
|
|
EEE62C93-1036-4635-BEFE-FA4FC894BFD5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 780 max per guidelines is 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 39.12% max per guidelines is 45%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 11 years.
|
|||||||||||||||
|
83B7D2C7-CB7A-495C-BE9B-462F11DA973F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 742 exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 23.29% is below lender's guide line maximum of 50%.
|
|||||||||||||||
|
BAD11A57-B413-4FDE-9280-7DC28A075F22
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 30 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
|
|||||||||||||||
|
4681A878-4A1C-4081-91FA-364EDF291F51
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 28.62% below guideline requirement 45.00%.
|
|||||||||||||||
|
5B7D9A84-C827-4D56-B8BC-2B3A510EBE15
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV; 80% max allowed.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 25.21% DTI; 45% max allowed.
|
|||||||||||||||
|
2C645649-6774-4FCE-98FE-4D9F95E3EDF7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 9 years and 4 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 7 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 80.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 32.95% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
1017DA8F-8565-4BB6-B9B1-6601586C3AD7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 32.96 is less than the max of 45.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 24+ years.
|
|||||||||||||||
|
4C0A67CB-453C-49E7-BE45-74731D06E6FF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property > 19 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 35.35% below guideline requirement 45.00%.
|
|||||||||||||||
|
BCD84A48-9B78-4CE4-8D48-3B6EFE388E6E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 34.91 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 75.
|
|||||||||||||||
|
F1950407-7177-46A0-BD8B-E8FAB5497395
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: 15.5 years in same line of work/profession
|
|
FAE30CB9-FCDE-4032-B127-D8FA8EE4127F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
No COC found in file to justify the addition fee of $100 the Title Examination Fee. Requires CoC, or corrected PCCD, copy of refund check, LOX and
verification of shipping.
|
04/XX/2025 Client provided COC XXX reflecting Borrower provided approval to remove UCC from title resulting in Title Exam fee added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 780 is 20 points above program guideline minimum of 760.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|
04AC6EBA-1FFD-4499-8E68-879010526FC7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 774 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 17.98 DTI below guideline of 45.
|
|||||||||||||||
|
5D7F159E-7264-4332-8E6D-A8BA76B59D11
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 14.6 years current job time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 89 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 32.09% is below max allowable per guidelines of 45%
|
|||||||||||||||
|
1191DC0A-D042-49F9-B596-984AFE4A7F49
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
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
|
The test APR is 10.143%, the benchmark APR is 6.600% resulting in a difference of 3.543%, max difference allowed is 3.500%.
|
4.XX.2025 Client provided LOX stating, If the change is in favor of the borrower, we do not need proof of receipt. Response, currently Non QM status vs
Lender QM Safe Harbor. Condition remains DD Firm Non QM status and Client status QM Safe Harbor 4.XX.2025 Client provided LOX stating, what else is need for this condition. Response, Rate set date is correct based on Rate lock and COC in
file, however XXX have a different APOR date. Condition remains current Non QM status vs Lender QM Safe Harbor. 4.XX.2025 Client provided a PCCD with a Final ALTA, fees re-tested. QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 752 FICO exceeds guideline of 720.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 41.19 DTI below guideline of 45.
|
|
DB7A9198-84AC-41E2-85D5-6F85DFBD0951
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 793 exceeds the 700 guideline minimum requirement by 93 points.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: The 38 month mortgage payment history exceeds the 12 month guideline minimum by 26 months.
|
|||||||||||||||
|
69F56E2F-008D-405A-95AC-FAAE351122F6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 11 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 25 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 17.41% max per guidelines is 45%.
|
|||||||||||||||
|
A5E6C1F0-BB22-415C-819B-0572BB60499C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 24.11 years current job time
CFCFS1736: Significant time at current residence
- Clayton Comments: 26 years current residence time
CFCFS5269: Minimal use of credit
- Clayton Comments: 2.00% revolving credit utilization
|
|||||||||||||||
|
EFAADC13-4088-4D48-93CD-6722BB1C337A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 57 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.
CFCFS1736: Significant time at current residence
- Clayton Comments: 4.10 years current residence time
|
|||||||||||||||
|
45C95F53-2E88-4B27-9026-5138218FBA47
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 36 years.
|
|
E5D3BF54-A6C5-4F53-993B-37BB8EC69E0D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 33.42 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
EE9FFBE1-CDB7-4190-A4C5-9D023664CE9F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 43 years in current profession
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
8F83DD5A-E5B3-4A64-ADE6-008BC1A56853
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3268
|
Note in file is incomplete
|
No
|
Copy of Note in file is incomplete: missing final page with borrowers' signatures.
|
04/XX/2025 Client provided missing complete and executed Note.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have >20 years at current residence.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 23 years at current job
|
|
8F83DD5A-E5B3-4A64-ADE6-008BC1A56853
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Copy of Note in file is incomplete: missing final page with borrowers' signatures.
|
04/XX/2025 Client provided missing complete and executed Note.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have >20 years at current residence.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 23 years at current job
|
|
C3AA0A2F-E766-46CC-B665-8D86809C31A9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 29 years at current residence
|
|||||||||||||||
|
653A932F-5371-4F0E-A0CC-A9174575C146
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 18 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 19.40% below guideline requirement 45.00%.
|
|||||||||||||||
|
6B22BCF6-D6CF-438A-A6B1-E2DC425F35E4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 10.10 years current residence time
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 14.2 years current job time
CFCFS2854: Significant time in profession
- Clayton Comments: 36 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 5.00% revolving credit utilization
|
|||||||||||||||
|
C4CA9883-C51F-4276-B10A-C5C4352880C6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 17% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 749 credit score exceeds the 660 minimum credit score requirement by 89 points.
|
|||||||||||||||
|
E60AF7F1-EB13-4BC8-8700-3D7802CF4A68
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 23.3 years current job time
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 10.6 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 19% revolving credit utilization
|
|||||||||||||||
|
43D73DC4-CEB4-464A-AE8A-12913191666E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 75.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Reducing outgo by $XXX a month.
|
|||||||||||||||
|
7655B562-201C-45F1-89DD-FAA75BEE86AD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Appraiser to correct subject grid to reflect subject as a PUD with HOA fee of $15/mo.
|
4/11 Client provided Appraisal with HOA fee and marked as PUD
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 11.2 years current job time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 55 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
|
|
8D67D8F7-E2B9-405F-9A25-9B4F2402ED12
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing Home Mortgage Information Document.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 7 years and 3 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 6 years and 6 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 752 is 32 points above program guideline minimum of 720.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.51% DTI is below guideline requirement of 45.00%.
|
|
A864B117-641C-4DFB-A976-89625E54B256
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
Non-QM: Lender documented all ATR UW factors
|
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: 726 FICO exceeds guideline of 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x45 mortgage payment history exceeds guideline of 0x30x12.
|
|||||||||||||||
|
2C44CCB9-58D7-40D0-9310-400FC14F5880
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: Both borrowers significant time in profession, over 30 years
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 6 years 6 months
|
|||||||||||||||
|
907B218F-8072-43EB-9A75-BA0235DB1045
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Documentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPDOC101
|
Unresolved title issue
|
No
|
Provide the Final CD reflecting that the judgements to the XXX HOA have been paid.
|
4.XX.2025 Client provided executed subject Final CD with judgment w/HOA lien being paid off in the amount of $XXX; file have copy of payoff letter (pg XXX)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 95 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 24.21% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8.08 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 25 years
|
|
907B218F-8072-43EB-9A75-BA0235DB1045
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
File missing Closing Disclosure. Unable to properly test rescission
|
04/XX/2025 Client provided missing Final CD XXX executed at closing, and Final Alta Matching.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 95 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 24.21% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8.08 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 25 years
|
|
273E6A06-19F2-4A2A-867D-3FB9913857B6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1307
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated
|
No
|
Provide proof of receipt of dated Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan).
|
04/XX/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 39.01% below guideline requirement 45.00%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%
|
|
273E6A06-19F2-4A2A-867D-3FB9913857B6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1319
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated
|
No
|
Provide proof of receipt of timely Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost).
|
04/XX/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 39.01% below guideline requirement 45.00%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%
|
|
273E6A06-19F2-4A2A-867D-3FB9913857B6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP1297
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file
|
No
|
Provide proof of receipt of Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan).
|
04/XX/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 39.01% below guideline requirement 45.00%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTVXX% below guideline requirements 85.00%
|
|
273E6A06-19F2-4A2A-867D-3FB9913857B6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP1309
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file
|
No
|
Provide proof of receipt of Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost).
|
04/XX/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 39.01% below guideline requirement 45.00%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%
|
|
4C4B6B6A-09B2-4AB3-9F4B-DBFD8E8FEEC9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 28 years at current residence
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 30%
|
|||||||||||||||
|
6106D22A-5A9F-4822-8174-B175B9E5A898
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 34.75 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
879774EE-9666-4C6F-B3E7-44B0160E24FC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: Borrowers have no late payments on the mortgage history
CFCFS2860: Good credit history
- Clayton Comments: Borrowers have overall good credit history
|
|||||||||||||||
|
D084F1B6-D754-44C5-931B-3DC8FBB4CA83
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Maximum DTI allowed is 45%. Loan DTI is 28.94%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 690.
|
|||||||||||||||
|
0B27F171-B863-448B-AA0C-4500642042B1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.70 DTI below guideline of 45.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x26 mortgage payment history exceeds guideline of 0x30x12.
|
|||||||||||||||
|
3C38C8FF-40A1-4653-8A13-638511A3F7FE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has stable employment with 33 years at current job.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% is below lender's guide line maximum of 75%.
|
|||||||||||||||
|
B883CAA0-36CB-4DE4-83C1-5C43AFA07B94
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 26 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 801 exceeds guide lines.
|
|||||||||||||||
|
C0CD49C2-AA4D-4B36-9231-3DCAA142B9D7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1739: Positive mortgage payment history
- Clayton Comments: Mortgage Payment history 0 X 30 over 12+ months
CFCFS2860: Good credit history
- Clayton Comments: No late payments reported on credit report
|
|||||||||||||||
|
492663BA-9B63-4DBB-AB89-359F2E5FF79F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x42 exceeds mortgage history guidelines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 12 years.
|
|||||||||||||||
|
6EDC9EF0-C91D-4090-A20C-47526A9C4354
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 35% below the maximum guideline requirement of 85%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 24% DTI is 25% below the maximum DTI requirement of 45%.
|
|||||||||||||||
|
2B2D2D0C-3426-4C7C-9D67-4872039EC24B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 exceeds the 660 guideline minimum by 66 points.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 22% below the maximum guideline requirement of 80%.
|
|||||||||||||||
|
C1FA2814-6B65-44F7-85A2-83AF7C25FE6D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 28.64 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
F74000A8-D2D5-41D5-A7A3-A1525DA9D3EA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
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
|
Unable to determine back end debt ratio due to missing borrower 1 credit report.
|
4.XX.2025 Client provided Credit report for B1 dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has been at current job for 6 years and 5 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have lived at current residence for 9 years.
|
|
F74000A8-D2D5-41D5-A7A3-A1525DA9D3EA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH3000
|
# of Tradelines Does Not Meet Guideline Requirements
|
No
|
Missing borrower 1 credit report cannot determine if minimum tradelines are met.
|
4.XX.2025 Client provided Credit report for B1 dated XXX; tradelines met
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has been at current job for 6 years and 5 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have lived at current residence for 9 years.
|
|
F74000A8-D2D5-41D5-A7A3-A1525DA9D3EA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH189
|
Missing credit report
|
No
|
Missing borrower 1 credit report
|
4.XX.2025 Client provided Credit report for B1 dated XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has been at current job for 6 years and 5 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have lived at current residence for 9 years.
|
|
413CF886-F6E7-4F78-912E-FD6CEE45B80E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 6 years
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for months
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|||||||||||||||
|
FBA043B9-A241-4C67-8A93-FC9EBCA97006
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 25.63 points below the guideline program minimum.
|
|||||||||||||||
|
AFEA9F5B-A0B8-439F-A036-9921D31BCA70
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTXHE108
|
TX Equity - Total fees greater than the allowable cap
|
No
|
Adjusted Charges$3,751.75 Total Loan Amount$XXXMaximum Charges %2.000% Maximum Charges$1,500.00Charges Margin to Threshold$2,251.75 Total
Charges %5.002%Exceeds fees test threshold?Yes
|
04/XX/2025 Client provided a screen shot of the Price & lock details and a XXX both reflecting the Undiscounted rate of XX.XX%.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 6 years and 1 month
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
|
|
AFEA9F5B-A0B8-439F-A036-9921D31BCA70
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 6 years and 1 month
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
|
|
AFEA9F5B-A0B8-439F-A036-9921D31BCA70
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 6 years and 1 month
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
|
|
28BA1695-2343-46B0-A42C-C3B3108D2B10
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 32% DTI is 13% below the maximum guideline requirement of 45%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 52 months mortgage payment history exceeds the 12 month guideline minimum by 40 months.
|
|||||||||||||||
|
FCD9CB64-4D03-42B6-A651-A370C24BC667
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 782 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 30.26 DTI below guideline of 45.
|
|||||||||||||||
|
F8849FD1-73A8-4B51-9365-6930503435DA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing signed 4506-C.
|
4/XX/25 Client provided the 4506
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x59 mortgage payment history exceeds guideline of 0x30x12.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower 30 years at current residence.
|
|
05B38871-497D-4E3D-9369-6D793E092D44
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 13 years at current residence
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 41.40 below guideline requirement 45.00%.
|
|||||||||||||||
|
50456C7D-8EA9-4B78-A404-40FA0D6D48B4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 757 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 9 years.
|
|||||||||||||||
|
5E538C56-D23F-40E5-9E26-0E2CB072999C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 CD at consummation.
|
04/XX/2025 Client provided missing Final CD XXX executed at closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 802 is 142 points above program guideline minimum of 660.
|
|
91813E51-6F20-421F-8C75-DA3E2E1E1884
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x50 exceeds mortgage history guidelines.
|
|||||||||||||||
|
7FF923ED-E91A-4B0B-88DA-91423FDB5A12
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 11 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 32 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 756 max per guidelines is 720.
|
|||||||||||||||
|
A4CEDFEA-13C4-4DC1-9D38-28B688563992
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 20 years.
|
|||||||||||||||
|
B12593A3-0A06-444E-BA39-B36DEAACA139
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.10% below guideline requirement 45.00%.
|
|||||||||||||||
|
CEAE5746-B919-4A31-B03B-8953DDF8B6A2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 795 > is above guideline minimum credit score 795.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 5.74 points below the guideline program minimum.
|
|||||||||||||||
|
E6A06CD2-35C2-4C33-88C2-AC6AA5B5B600
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Title Examination fee $100 added to initial CD XXX section B. COC issued XXX does not list fee amount or give any details as to why fee was added. No cure
provided on final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery.
|
03/XX/2025 Client provided COC XXX reflecting Borrower requested tittle to be updated to remove deceased Spouse and clear judgments resulting in a Title
exam fee added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 35.21 DTI below guideline of 45.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x59 mortgage payment history exceeds guideline of 0x30x12.
|
|
E6A06CD2-35C2-4C33-88C2-AC6AA5B5B600
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Title vesting reads "XXX and XXX, his wife" and Mortgage reads "XXX as surviving spouse."
|
3.XX.2025 Client provided copy of death certificate for XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 35.21 DTI below guideline of 45.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x59 mortgage payment history exceeds guideline of 0x30x12.
|
|
564F222A-0B9B-4092-82EB-193A65B145FD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2478
|
Missing Legal Documentation
|
No
|
Missing Final Closing Disclosure.
|
04/XX/2025 Client provided the missing Final CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 754.
|
|
564F222A-0B9B-4092-82EB-193A65B145FD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Missing Final CD. Disbursement date reflected on CD provided is XXX with a transaction date of XXX. Transaction date is XXX.
|
04/XX/2025 Client provided the missing Final CD XXX with correct closing and Disbursement dates.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 754.
|
|
B775F683-251D-4B92-8F50-C9D120BABBA7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Provide the Initial CD with confirmation of borrowers receipt at least 3 business days prior to consummation. Additional conditions may apply
|
04/XX/2025 Client provided One Spans for each reflecting Borrower and Non-Borrower both received and viewed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 8 days and 7 months
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 801 is 141 points above program guideline minimum of 660.
|
|
67684E17-03DD-414A-BFE6-C597D1DA5277
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
CD dated XXX reflects a disbursement date of XXX. Disbursement date is before end of statutory rescission period. Missing Final CD signed by the borrowers
at closing.
|
04/XX/2025 Client provided missing Final CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 11.44 points below the guideline program minimum.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x34 exceeds mortgage history guidelines.
|
|
5B8577B4-0D21-4D5B-8243-5C7AA5822912
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NM
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date of XXX is greater than the transaction date of XXX.
|
3.XX.2025 Client provided prior HOI policy dated XXX - XXX
|
Condition satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 760 FICO exceeds guideline of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31.24 DTI below guideline of 45.
|
|
663355FD-6AA0-4D3A-B84C-0AF5A262D9F1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 18 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 729 exceeds guide lines.
|
|||||||||||||||
|
620500AE-F39D-47EA-946C-7FE849E12EAB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
Non-QM: Lender documented all ATR UW factors
|
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: CLTV: XX% is 61.16 points below the guideline program minimum.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 732 > is above guideline minimum credit score 720.
|
|||||||||||||||
|
6E8B32A5-B915-40E0-A7A1-868F232EB7C3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 732 credit score exceeds the minimum 660 guideline requirement by 72 points.
|
|||||||||||||||
|
7D3F941E-C69F-46D7-B356-BD713FCB03B7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 25% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 42 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is below max allowable per guidelines of 85%
|
|||||||||||||||
|
ECEA1029-7A0F-4E1D-AADD-0234FBB6D3BC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 27.8 years
|
|||||||||||||||
|
7643A71D-6347-48DE-B363-6E2EE068A8E3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero Tolerance Fee of $22.00 (Transfer Taxes Aggregate) fee increased from LE $0 to CD $22. Missing a valid Change of Circumstance, or Post Close CD, LOX
and copy of refund check to borrower.
|
04/XX/25 Client provided a XXX Post CD with $XX principal reduction cure, LOE to borrower and payment history reflecting the PR deposit.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 75%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 42 month mortgage payment history exceeds the 12 month minimum guideline requirement by 30 months.
|
|
86F12E86-B6C5-4CDD-86F7-89CEE090ED09
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 47 month mortgage payment history exceeds the 12 month guideline minimum requirement by 35 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 712 credit score exceeds the minimum 660 guideline requirement by 52 points.
|
|||||||||||||||
|
15D26341-8308-4EE0-ACFC-FA9DAEF76D8C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 772 exceeds guidelines 760
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 31.16% below guideline requirement 45.00%.
|
|||||||||||||||
|
53554192-758C-46A8-B5E3-B2BA3E3A8711
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
96E723E3-C4D5-4843-9D1F-E6FE37C887D5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 30%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
84499485-4B02-4AD6-997C-559B1FE0780C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
COC form provided XXX indicating 1-LE XXX was issued w/ numerical changes. Missing 1-LE XXX.
|
03/XX/2025 Client provided missing LE XXX and duplicate XXX LE in file.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 26%
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 15 years on current job
|
|
84499485-4B02-4AD6-997C-559B1FE0780C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
** Triggered due to review of Initial LE XXX. Provide the List of homeowners counseling organizations dated within 3 business days of application XXX.
|
03/XX/2025 Client provided missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 26%
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 15 years on current job
|
|
02D2A66B-E9A0-4BAA-9242-4C6547256F2E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient
credit or refund provided
|
No
|
Zero Tolerance $540.00. Transfer Taxes. L/C above legal limit on final CD $115.00. COC in file does not state the fee or fees that were affected and
changed. Provide a complete Change of Circumstance or Post Close CD with cure, copy of cure check, LOE to borrower and evidence of delivery via tracking.
|
04/XX/2025 Client requested a review. Zero tolerance of $XXX. State tax stamps of $910.00 added on CD XXX Section E, line 3. COC XXX in file does not
explain how this fee was affected and changed. Fee was later lowered to $XXX on Final CD XXX. Condition remains. Provide further information of what affects on the State Tax fee on XXX for review and further testing. Additional Conditions
may apply. 04/XX/25 Client provided a XXX COC validating the increased charge.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 25% below the maximum guideline requirement of 85%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 46 month mortgage payment history exceeds the 12 month guideline minimum by 34 months.
|
|
E98518B6-2A12-4779-A85E-322E324216AE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 30.88% below guideline requirement
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 11 years B1
|
|||||||||||||||
|
78537120-0B5B-4E59-8A3B-AC40BC2157DE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 772 FICO exceeds guideline of 720.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.67 DTI below guideline of 45.
|
|||||||||||||||
|
D31DD34C-2FE2-4C50-AA77-FA71F5B3E554
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero Tolerance testing failed by $3.00 due to the increased of Transfer Taxes Aggregate without valid Change Reasons documented in the file. No evidence of
a cure Credit at Closing, please provide documents showing valid reason for the increased of fee, a corrected Post CD and proof of delivery via shipping that includes tracking information within 60 days of consummation.
|
04/XX/2025 Client provided COC XXX reflecting transfer taxes due to Loan amount increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 10.5 years current residence time
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 11.2 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 29% revolving credit utilization
|
|
113EF640-717D-4205-8388-762827699AC8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score714 exceeds guide lines.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X70 mortgage payment history exceeds guide lines of 24 months.
|
|||||||||||||||
|
9F6692ED-BFB1-4E4A-9064-9E3824A81888
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|||||||||||||||
|
965091F5-C73A-495D-AD99-88E2D10830FB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
Missing hazard insurance policy.
|
4/XX/2025 client provided insurance policy.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 710 FICO exceeds guideline of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x29 mortgage payment history exceeds guideline of 0x30x12.
|
|
B6746361-D199-4D77-80E2-8DB720C843F4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 current residence time
CFCFS2854: Significant time in profession
- Clayton Comments: 18.1 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 15% revolving credit utilization
|
|||||||||||||||
|
1896B9CA-F389-4C25-BEC9-1FBCD765AA24
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 19%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
7097C43C-067A-4FAD-8030-3875C320912D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 718 exceeds guidelines 700
|
|||||||||||||||
|
650F2271-C189-45D4-A1FB-9DE9AEDAD593
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 15 years on current job.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 15 years at current job.
|
|||||||||||||||
|
65FC20A4-6191-4976-9A6B-1D2FF2975A78
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 30.47% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 24 years
|
|||||||||||||||
|
353EE551-D4DE-4FF6-A60C-3719513DBE42
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 of 776 is 116 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: X% DTI is below guideline requirement of 45.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 12 years and 2 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
|
|||||||||||||||
|
3C5CBDF8-3296-49C3-AED2-94E306DC6E7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 20 years at current residence
|
|||||||||||||||
|
4338F4C2-961F-4C29-85AA-C89E6F48DBF7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 39 month mortgage payment history exceeds the 12month guideline minimum by 27 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 692 credit score exceeds the 660 guideline minimum by 32 points.
|
|||||||||||||||
|
A6F3685B-8103-4203-B45F-40A2A16ED46D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 7.2 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 26 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
CFCFS5269: Minimal use of credit
- Clayton Comments: 24% revolving credit utilization
|
|||||||||||||||
|
4771472D-1466-4DE4-9BBA-1C4C88AED88B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 of 81 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 25.00% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 14.83 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 24 years
|
|||||||||||||||
|
0BA8D701-2D6F-49CC-84F5-951B5A74B177
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 30 years at current XXX job
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
4D324C9B-81C5-4B3F-A56E-16A6EB626BAE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property for 10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%
|
|||||||||||||||
|
3452D02B-2549-4998-AE74-1258FA7FBF92
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 21.62 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|||||||||||||||
|
369B9AF6-6DF3-475D-9B12-370EF967547F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 752.
|
|||||||||||||||
|
AC16F442-3271-45D3-9438-6CEE4E5062D8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 31 years and 10 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 16 years and 1 month
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 722 is 62 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33.63% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
C7E02723-2AC8-44BB-A2D7-35999FAB6C1B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 12% below the maximum guideline requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 765 credit score exceeds the 700 guideline minimum by 65 points.
|
|||||||||||||||
|
542D5A0C-64BB-4314-BE4C-4CF005199FC7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 25.2 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 16% revolving credit utilization
CFCFS2854: Significant time in profession
- Clayton Comments: 25.2 years in same line of work/profession
|
|||||||||||||||
|
F434538C-0860-4F7A-80B7-B00F9E1FD4B8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 12 years at current residence.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
|
|||||||||||||||
|
66417B4A-6390-4D77-88E0-E62CD75E05A6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
Per XXX Evidence Summary, initial disclosures were sent to borrower on XXX; Initial LE XXX is missing from file.
|
04/XX/2025 Client provided missing Initial CD XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 23.49 points below the guideline program minimum.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 10 years.
|
|
66417B4A-6390-4D77-88E0-E62CD75E05A6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
List of homeowners counseling organizations is dated XXX; application date is XXX . List not provided within 3 days of application.
|
04/XX/2025 Client provided missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 23.49 points below the guideline program minimum.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 10 years.
|
|
6039FF60-5BF7-48B2-8DBE-EF75F8DD2A6E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 804 exceeds guidelines 760
|
|||||||||||||||
|
1BD4E350-293E-4E35-87D9-22AF54043F38
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 36%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 25 years at current residence
|
|||||||||||||||
|
2D870980-CF16-4695-8FCF-634A88A7533C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date of XXX is greater than the transaction date of XXX
|
4.XX.2025 Client provided prior HOI policy
|
Condition satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower 21 years at current job.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower 15 years at current residence.
|
|
638BFBE5-A32F-45BE-B8AE-A71ED7A50BAD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 15 years.
|
|||||||||||||||
|
2D0FB219-BB1D-440E-AC6B-0BCEEF223F76
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
LA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36 months mortgage payment history exceeds the 12 month guideline minimum requirement by 24 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have lived at current residence for 37 years.
|
|||||||||||||||
|
95EC47C4-1D6C-4C12-A4FC-8B25E042B7E1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 17% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 737 credit score exceeds the 660 minimum guideline requirement by 77 points.
|
|||||||||||||||
|
5AC6873D-2A87-417E-9D27-D6BA14D65990
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 21 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 713 exceeds guide lines.
|
|||||||||||||||
|
67809244-6944-49F1-BAC0-5C37958CDA8C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 16.3 years current job time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 26 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
CFCFS2854: Significant time in profession
- Clayton Comments: 16.3 years in same line of work/profession
|
|||||||||||||||
|
624B2FE5-CF69-4F3D-9CC7-7541F3F82068
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 35.79 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
165A3150-FB93-41E7-8AE6-D726003EAD54
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments: Borrowers have positive Schedule C income not used to qualify
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 28 years on current job
|
|||||||||||||||
|
65F0DB27-C8DA-41A5-BA9C-883B1C44EE19
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 764 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 28 years.
|
|||||||||||||||
|
1F5B646C-F524-4FEC-8062-E6FA804E29F2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing documentation confirming that the XXX HELOC last reporting on credit on XXX is closed.
|
4.XX.2025 Client provided CD from prior refinance verifying was paid off however missing evidence of being closed out, this CD only supports it was paid
off. Credit report reflecting last reporting XXX with last activity XX Condition remains for evidence of closed. 4/XX/25 Client provided credit supplement showing account is paid in full and closed
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 753 FICO exceeds guideline of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x26 mortgage payment history exceeds guideline of 0x30x12.
|
|
2570C7FD-7F15-457C-B02B-93A750648367
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property > 9 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.43% below guideline requirement 45.00%
|
|||||||||||||||
|
2CA11F19-8E53-449A-A617-FC9434AC3605
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Missing Final CD at closing XXX CD XXX - disbursement date on XXX , ROR form in file signed on XXX with end of recession on XXX, condition pending receiving
Post CD with updated disbursement date, LOX and proof of delivery to borrower
|
04/XX/2025 Client provided missing Final CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 739 is 79 points above program guideline minimum of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|
CFA5E900-E662-4BFA-BCC4-3545C137A634
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 769 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 32.59 DTI below guideline of 45.
|
|||||||||||||||
|
8EEAFE9A-EF0A-4549-A497-780FF0808970
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 678 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.92 DTI below guideline of 45.
|
|||||||||||||||
|
E9C4CFCD-D0F9-4226-AF58-14FA45F1FAC5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.77% below guideline requirement 45.00%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has >8 years at current job.
|
|||||||||||||||
|
5CE37AF8-FA22-418C-BBF6-B2CB947E4477
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 22% DTI is 23% below the maximum guideline requirement of 45%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 752 exceeds the 720 guideline minimum requirement by 32 points.
|
|||||||||||||||
|
7F5813CB-A4CF-4852-A8EC-2864F35DB854
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
Non-QM: Lender documented all ATR UW factors
|
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: 753 qualifying score exceeds guidelines
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX % LTV below guidelines
|
|||||||||||||||
|
DEDDB508-988F-40FF-B506-4CB5F10CCFAD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 23 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has 40 years at current job
|
|||||||||||||||
|
0C6A8AAE-AA4E-436D-99BF-14504904209C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 794 exceeds guide lines.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% is below lender's guide line maximum of 85%.
|
|||||||||||||||
|
09C20B32-D9ED-4CF4-B732-F7DFC21B2DB1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 75%. Loan LTV is 64.02%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Maximum DTI allowed is 45%. Loan DTI is 33.87%.
|
|||||||||||||||
|
5F0DC0C8-CECA-4495-89FA-5676EDCD0AEB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 58.07%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 722.
|
|||||||||||||||
|
5F145421-1E23-44B0-ADFE-D0A9249D6669
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 705.
|
|||||||||||||||
|
CE45EEE2-A940-4927-B6D4-E9F3FD4317AC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 90 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 22.02% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 8.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 19.92 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 24 years
|
|||||||||||||||
|
42205730-8252-4267-A382-9391371A2831
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 42.79 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of 48.53 is less that the max of 90.
|
|||||||||||||||
|
11CD72DF-3C33-4C2A-B7FD-E11387301A45
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 32.39 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
B1928F54-986F-4F62-99B3-1E99F33BBAA5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
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
|
Clayton determination of Non=QM based on the internal test APR of 11.318 exceeds the benchmark rate of 6.790 plus the 3.5 rate spread trigger. Lender
determination of QM SH. Using benchmark date of XXX for bona-fide discount points.
|
3.XX.2025 Client provided XXX w/QM Rebuttable Presumption status
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 5 years and 2 months
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|
B1928F54-986F-4F62-99B3-1E99F33BBAA5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/24 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 5 years and 2 months
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|
B1928F54-986F-4F62-99B3-1E99F33BBAA5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
12/XX/24 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 5 years and 2 months
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|
F3C52C54-018C-48B0-9C67-A5882DB3065D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 823 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 9 years at current job.
|
|||||||||||||||
|
52E8E813-6E9B-43FF-8F80-487E6482ACD0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 15 years 1 month
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: B2 has significant time at current job, 24 years 5 months
|
|||||||||||||||
|
8169B08D-0B7B-49E1-8D9C-C7E77852F2D5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing XXX CSPA Home Mortgage Information Document.
|
04/XX/2025 Client provided missing XXX CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence for 6 Years.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same line of work for 24 Years.
|
|
F669D532-BA38-44E2-99C0-A669DCB13D4C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 31.65 is less than the max of 45.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Over 23 years at current job.
|
|||||||||||||||
|
5B51868B-B3EE-4621-A5FB-3164A7E275C3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3274
|
Mortgage/Deed in file is incomplete
|
No
|
Provided copy of executed Mortgage notary page
|
4.XX.2025 Client provided executed pg 13 of 13 with acknowledgment of Notary
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers at current residence for 22.2 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max allowed CLTV is 80% and the borrower has a XX% CLTV.
|
|
5B51868B-B3EE-4621-A5FB-3164A7E275C3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers at current residence for 22.2 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max allowed CLTV is 80% and the borrower has a XX% CLTV.
|
|
5B51868B-B3EE-4621-A5FB-3164A7E275C3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers at current residence for 22.2 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max allowed CLTV is 80% and the borrower has a XX% CLTV.
|
|
5B51868B-B3EE-4621-A5FB-3164A7E275C3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2864
|
Copy of Mortgage/Deed in file is incomplete
|
No
|
Provided copy of executed Mortgage notary page
|
4.XX.2025 Client provided executed pg 13 of 13 with acknowledgment of Notary
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers at current residence for 22.2 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max allowed CLTV is 80% and the borrower has a XX% CLTV.
|
|
EA79DF97-51CC-44AF-ADF2-848ED543D05E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing documentation of current taxes for subject property. Taxes are not escrowed.
|
4.XX.2025 Client provided copy of current tax bill supporting monthly taxes
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 722 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31.20 DTI below guideline of 45.
|
|
366628C4-1303-41CB-B8F3-75843BD9C3BD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
XXX CSPA; Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing XXX CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 8 years and 2 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 775 is 115 points above program guideline minimum of 660.
|
|
AA01801A-868C-4608-BAED-3DDBC16F98DD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Initial application was taken XXX, the Housing Counselors List was not issued until XXX. Greater than the required 3 days.
|
03/XX/2025 Client provided missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 38.09 is less than the max of 45.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 12+ years.
|
|
AA01801A-868C-4608-BAED-3DDBC16F98DD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing XXX CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX per XXX in file.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 38.09 is less than the max of 45.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 12+ years.
|
|
AA01801A-868C-4608-BAED-3DDBC16F98DD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Initial application was taken XXX, the Initial LE was not issued until XXX. Greater than the required 3 days
|
04/XX/2025 Client provided missing Initial LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 38.09 is less than the max of 45.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 12+ years.
|
|
E1E8F9FB-74B4-487D-8CDE-2E874D4618F9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 19.7 years current job time
CFCFS2854: Significant time in profession
- Clayton Comments: 20 years in same line of work/profession
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 27 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
5E3C36B7-1AA3-4B77-9286-9FF415B703B1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 791 exceeds guidelines 760
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 32.96% below guideline requirement 45.00%.
|
|||||||||||||||
|
D7DBE4A3-D663-4301-873A-3859DF33F683
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP2057
|
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
No
|
XXX Database - No Cert of Compliance or Cert of Exemption in file
|
04/XX/2025 Client provided missing XXX Database - Cert of Compliance.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 24.76% below guideline requirement 45.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property for 10 years.
|
|
8E5816AA-0D76-4840-8E1D-F2004C758EAD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 26 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 8 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 29 years.
|
|||||||||||||||
|
CF011CFA-CDB5-4172-A1D0-4B69074CE81C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 806 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 38.28% DTI below guideline of 45%.
|
|||||||||||||||
|
B74C0861-82A0-4C99-8488-C0E829DD6B30
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
2nd Appraisal fee $55 added to revised CD XXX section B. COC form issued 04/03 lists fee amount but does not give sufficient details as to why fee was
added. No cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $55 w/ Proof of Delivery.
|
04/XX/25 Client provided a XXX COC detailing the reason for the added appraisal fee (storm re-inspection).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 24 years.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X27 mortgage payment history exceeds guide lines of 24 months.
|
|
BA20D929-5AD9-43E8-A5FC-29E552551B7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 769 exceeds guidelines
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 24 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 10 years
|
|||||||||||||||
|
730BF1C7-1C13-463A-B607-AAB3960248AE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 812 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 21 years.
|
|||||||||||||||
|
47BA7D8C-A2EE-4D84-B841-28827CAC1EBE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
9481E41C-9F30-4FBD-A248-0270A7BC42A5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|||||||||||||||
|
C0CB7AF9-7A6F-43D6-8BFB-ADEE22291F49
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
(No Data)
|
|
C0CB7AF9-7A6F-43D6-8BFB-ADEE22291F49
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
(No Data)
|
|
93FE610E-FCCB-4202-9CE0-E34BECBA0DC8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 697 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 39.80 DTI below guideline of 45.
|
|||||||||||||||
|
DBDFB0F9-97A7-4B9B-AF53-4CBA6510B1EE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the residence for 9 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has > 4 years at current job
|
|||||||||||||||
|
D930DA07-1F31-45B1-8DCE-BACE2CDDFFFA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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: 10.10 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 6.00% revolving credit utilization
CFCFS2854: Significant time in profession
- Clayton Comments: 10.10 years in same line of work/profession
|
|||||||||||||||
|
35C03F5C-708C-4DDB-B180-180AFF535C3E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 786 max per guidelines is 760.
|
|||||||||||||||
|
A789D5BC-2571-4A6C-B246-9D85D0936E8D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 85.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 28 years.
|
|||||||||||||||
|
D3296FC8-6285-4C58-9177-029122BD36DD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 36.72 is less than the max of 45.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 52 months 0x30
|
|||||||||||||||
|
2C5D1BC5-6301-4402-AEE7-E7FB8722392A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 7% below the maximum guideline requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 799 credit score exceeds the 660 guideline requirement by 139 points.
|
|||||||||||||||
|
FFC64FD9-68E7-4B11-9143-1FF7A29A1818
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 9 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.85% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 75%.
|
|||||||||||||||
|
8D2F143F-5721-479B-A701-1A7E153C4422
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 8 years and 2 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 773 is 113 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 28.85% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
80A7FC4C-EA75-498E-8F68-3C50DFD8C646
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
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 2024 W2s or written VOEs for B1 to accurately calculate income per lender income worksheet. Missing written VOE or year-to-date paystub and 2024 W2
for B2 current employment. Cannot accurately document the income and DTI.
|
4.XX.2024 Client provided duplicate VVOE and w2's in file however appears to be missing: (1). YTD 2025 paystub for B2 and (2). missing 2024 w2 for B2
current employment w/XXX and (3). missing 2024 w2 for B1 current employment wXXX 4.XX.2025 Client provided Written VOE for both borrowers current employment dated XXX covering YTD 2025 and prior 2024 history
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 49 months mortgage payment history exceeds the 12 month guideline minimum requirement by 37 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% is XX% below the maximum guideline requirement of 75%.
|
|
80A7FC4C-EA75-498E-8F68-3C50DFD8C646
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing all of B1 written VOEs or W2s for 2024 to support income lender used to qualify. Missing current year-to-date paystub and 2024 W2 or written VOE
for B2 from current employer.
|
4.XX.2024 Client provided duplicate VVOE and w2's in file however appears to be missing: (1). YTD 2025 paystub for B2 and (2). missing 2024 w2 for B2
current employment w/XXX and (3). missing 2024 w2 for B1 current employment wXXX 4.XX.2025 Client provided Written VOE for both borrowers current employment dated XXX covering YTD 2025 and prior 2024 history
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 49 months mortgage payment history exceeds the 12 month guideline minimum requirement by 37 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% is XX% below the maximum guideline requirement of 75%.
|
|
A621DCA7-7EC9-4D44-B059-5BE20CEA1A45
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned property 45 years.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Reducing XXX by XXX per month.
|
|||||||||||||||
|
95AC67DE-F053-4F3E-8D20-B4206801EE33
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
Missing hazard insurance policy.
|
4/XX/25 Client provided sufficient coverage
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 784 FICO exceeds guideline of 760.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.30 DTI below guideline of 45.
|
|
5B9E5F56-E57C-4D90-91EA-D7DE0BE86DA7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ME
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
Documentation
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPDOC2514
|
Mortgage/Deed of Trust has not been recorded and/or sent for recording
|
No
|
Mortgage/Deed of Trust has not been recorded and/or sent for recording MIN Missing
|
04/XX/2025 Client provided the copy of page 1 of the Mortgage reflecting recording information as well as a screen print of the Mortgage recording with the
County reflecting recorded on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 742 is 82 points above program guideline minimum of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.40% DTI is below guideline requirement of 45.00%.
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
|
|
640D801E-AFE0-4810-85F1-9A3A26CF88A5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job; 7 years and 7 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 25.12% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
52179384-C742-4918-A0F7-F8A8C43D2550
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 14.10 years current job time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 40 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
EE87C856-4E71-481A-99A5-8931A64CFB66
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 75%. Loan LTV is XX.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 697.
|
|||||||||||||||
|
56D0B305-07EF-4187-8F56-F5A239DD7EF8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.08 DTI below guideline of 45.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x26 mortgage payment history exceeds guideline of 0x30x12.
|
|||||||||||||||
|
D15512D0-E520-49AA-B1A7-53EBC636BC12
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 24%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 18 years on current job
|
|||||||||||||||
|
25D25881-353D-402A-8FE9-5339C8AF0046
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 30.08 months
|
|||||||||||||||
|
622E9C2F-97DC-4710-8361-22738FB7B727
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 25.80% below guideline requirement
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 27 years
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 6 years 5 months
|
|||||||||||||||
|
9CCD69A1-D574-4BAB-8D93-E5E8B4387C5D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 40 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 32.16% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 20.08 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 13 years
|
|||||||||||||||
|
D069AC19-20FA-41CD-97F9-ED8ED8F5C9F8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 26 years current residence time
CFCFS5269: Minimal use of credit
- Clayton Comments: 0.00% revolving credit utilization
|
|||||||||||||||
|
DA88F97D-82CE-4F07-B0B0-4A46688C3A36
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments: Borrower has positive K1 income not used to qualify
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is 63%
|
|||||||||||||||
|
BA6E05A6-7DA2-434A-B7A0-3F65ACC1FC89
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 28.42% below guideline requirement
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 745 exceeds guidelines
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 13 years 1 month
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 80.00%
CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments: Additional documented income (bonus and overtime) not used in qualifying
|
|||||||||||||||
|
37C715E0-038C-4144-AF9A-8DCF3C820882
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 25.40 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
5353BE19-3069-482D-BCDB-FA3490B18F57
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 42.30 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|||||||||||||||
|
ECF499D0-C2B9-4AF4-9E9D-8BEBA7973647
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33.21% DTI is below guideline requirement of 45.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 734 is 34 points above program guideline minimum of 700.
|
|||||||||||||||
|
660DDBF8-AFE2-4948-85B2-31AB684D8B6E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 stable employment with 11 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 726 exceeds guide lines.
|
|||||||||||||||
|
9D95C139-FC01-496D-8052-508D758400AA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 30 years current residence time.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 16.8 years current job time.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 23.9 years current job time.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 48 mos. mtg. payment hist. exceeds min. guideline requirement of 12 mos.
|
|||||||||||||||
|
E0B420B8-2D85-4A47-84C8-945A2871DC94
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
7E814DEA-1A7C-4AF7-93C4-D2D817B5F861
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is 70.25%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 778.
|
|
7E814DEA-1A7C-4AF7-93C4-D2D817B5F861
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 778.
|
|
23C1713C-3B0D-4F8C-803F-9DFABF10B51C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 28% DTI is 17% below the maximum guideline requirement of 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
|
|||||||||||||||
|
D3FFC56C-4A48-4E7F-A645-6A6C0F5D6216
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 17 years current residence time
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 9.9 years current job time
CFCFS2854: Significant time in profession
- Clayton Comments: 16 years in same line of work/profession
|
|||||||||||||||
|
CC6A15E1-125A-4E52-B9DE-57C2EDFB195B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: 15.3 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 2.00% revolving credit utilization
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: representative score of 807 exceeds guideline min. requirement of 660
|
|||||||||||||||
|
E66DFBF6-BF01-4679-85DA-BBC1503BA29D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 17 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 25 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 787 max per guidelines is 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 29.14% max per guidelines is 45%.
|
|||||||||||||||
|
F82A9FA9-B892-4E5B-9F3E-D548BCE2BD26
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Max DTI is 50% and the borrower has a 38.93% DTI.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max allowed CLTV is 80% and the borrower has a XX% CLTV.
|
|||||||||||||||
|
F96F839F-C5FC-4E5E-B3E8-386116705A40
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.90 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|||||||||||||||
|
538BB53E-14CA-4113-A0DF-C1C26C918696
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
# of tradelines do not meet guidelines. 1 active tradeline is less than min. requirement of 3.
|
4/XX/25 Client provided an approved exception to allow the file wiht 1 active trade line
|
Clayton final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 56 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV of XX% is below max allowable per guidelines of 90%
|
|
66CFCC6C-09C2-4B92-8988-CD8B663B7B5A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 38+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 7 years and 3 months
|
|||||||||||||||
|
F88CEB97-D633-4FED-AF78-D135D8657DAD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 85.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Current job 8+ years.
|
|||||||||||||||
|
EE71C591-E042-4FC2-9398-3442ADB36EE7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max allowed CLTV is 80% and the borrower has a XX% CLTV.
|
|||||||||||||||
|
26F3F5CC-F9E4-44E4-9F13-B4609625AF45
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 720.
|
|||||||||||||||
|
F1F5379E-9AFB-4670-888E-609473BF4662
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 19.51% below guideline requirement 45.00%.
|
|||||||||||||||
|
FC84079B-C62E-47AD-BDED-2C1081CC88F0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 22 years at current residence
|
|||||||||||||||
|
ACA65084-2E6B-44EE-9DD8-4FFB30541446
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 in current residence for 10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max CLTV allowed is 80% and the borrower has a XX% CLTV.
|
|||||||||||||||
|
268ECF39-8469-4F5D-9400-BAA434AA2B91
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 51 month mortgage payment history exceeds the 12 month guideline minimum by 39 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 28% DTI is 17% below the maximum guideline requirement of 45%.
|
|||||||||||||||
|
70E2CA7B-6430-44C4-B334-9130CFF9E52E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 710 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 9 years at current job.
|
|||||||||||||||
|
EF6A129C-7494-4E77-958E-1887D941E1C3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 23.08%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 21.08 years
|
|||||||||||||||
|
076AA8AE-DC13-4593-9F01-C08F9F57B4AB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 22 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 715 exceeds guide lines.
|
|||||||||||||||
|
5E8B5BEF-048D-4AC9-86F4-67D0981D1D34
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NM
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 697 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 32.33 DTI below guideline of 45.
|
|||||||||||||||
|
AD128B59-4524-4B77-8D97-9CCAA6591C65
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
4/XX/2025 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 711 exceeds guide lines.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X47 months mortgage payment history exceeds guide lines of 24 months.
|
|
AD128B59-4524-4B77-8D97-9CCAA6591C65
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
4/XX/2025 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 711 exceeds guide lines.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X47 months mortgage payment history exceeds guide lines of 24 months.
|
|
A6E5345A-57E3-4554-90B4-5FC23E4660AF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 19 yeas at current job.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% is below lender's guide lines maximum of 75%.
|
|||||||||||||||
|
86E7FBCA-7FF6-4540-8A7D-BF659D37C835
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 15 years and 7 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 8 years and 7 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
|
|||||||||||||||
|
77685A79-32B5-4C39-A733-654508EAABA9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property > 44 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX below guideline requirements 90.00%.
|
|||||||||||||||
|
9E40F7A8-C6A8-4C97-8C5B-523F5021078B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient
credit or refund provided
|
No
|
Need evidence of change of circumstances letter for Ten Percent tolerance, (Title Abstract $100) increase, or a copy of a refund check in the amount of
$35.40. $100 Fee-$64.60 Lender Credit.*** Update, Zero tolerance of $115.00 due to the Re-Draw fee added on the Final closing CD 3/6 with no COC in file reflecting a valid reason for the fee to be added. The Lender Credit list on the Final
CD is insufficient to cover. Borrower is due a refund, provide a PCCD with the additional cure, copy of the cure check, LOE to Borrower and evidence of delivery via tracking
|
04/XX/2025 Client provided COC XXX reflecting re-draw fee due to Borrower experiencing technical issues accessing the e-sign portion of the closing
requiring in closing rescheduled resulting in a redraw fee for the re-close.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 20 years and 9 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 20 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 767 is 107 points above program guideline minimum of 660.
|
|
91CEB2B7-4FEF-4296-8AA6-9714F6BA982D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTXHE115
|
TX Equity - TX 12 - Day disclosure not signed by borrower/owners
|
No
|
TX 12 - Day disclosure not signed by borrower/owners
|
04/XX/25 Client provided the XXX fully executed Notice.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 8 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 736 exceeds guide lines.
|
|
91CEB2B7-4FEF-4296-8AA6-9714F6BA982D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
104/XX/2025 Client provided an approved exception request for Missing T.42 Title Endorsement.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 8 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 736 exceeds guide lines.
|
|
91CEB2B7-4FEF-4296-8AA6-9714F6BA982D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
04/XX/2025 Client provided an approved exception request for Missing T.4.1 Title Endorsement
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 8 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 736 exceeds guide lines.
|
|
91CEB2B7-4FEF-4296-8AA6-9714F6BA982D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Missing note signature page.
|
04/XX/2025 Client provided missing fully executed Note.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 8 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 736 exceeds guide lines.
|
|
CEBA8CAD-C931-4161-8638-89D083FC0DBC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 16 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 17 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 75%.
|
|||||||||||||||
|
E694E382-A4B7-4F59-8625-90CB0F33E17C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 19.16 DTI below guideline of 45.
|
|||||||||||||||
|
D9E9DDFB-846B-4333-B374-9DF7A01BEF58
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 2.00% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 25 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
A81CD4C2-F470-4770-A57F-29E4D1F3202B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
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
|
Missing Fee split worksheet to see if fees are paid to affiliates and/or other
|
4.XX.2025 Client provided Split Fee worksheet, fees re-tested. QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.42 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|
A81CD4C2-F470-4770-A57F-29E4D1F3202B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Section 32
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPS32371
|
Section 32 Loan per Points and Fees Test
|
No
|
Missing Fee split worksheet to see if fees are paid to affiliates and/or other
|
04/XX/2025 Client provided the Fee Split Document reflecting proper allocation of Affiliate fees.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.42 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|
A81CD4C2-F470-4770-A57F-29E4D1F3202B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
State High Cost
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPSTHC328
|
SC High-Cost Loan by exceeding point and fee threshold,
|
No
|
Missing Fee split worksheet to see if fees are paid to affiliates and/or other
|
04/XX/2025 Client provided the missing Fee Split Document, however the Condition remains. Invoice for the Appraisal does not show any fee split for this
fee. Provide for review. Additional Conditions may apply. 04/XX/2025 Client provided the Appraisal Invoice reflecting the split fee for Management Co.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.42 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|
0B2F0340-9C22-4E7F-85B7-1461E01E79D3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH123
|
No evidence of required debt payoff
|
No
|
Missing evidence of past due balance being paid w/XXX $1,176 Per Guidelines: Past Due Accounts: must be brought current.
|
4.XX.2025 Client provided credit supplement dated XXX verifying past due $0 balance and states was transferred to XXX XXX; current credit report in file
reflects this XXX XXX as $0 balance.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 80.00%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 24 years 6 months
|
|
8D81945D-7B77-47B1-8945-08A0721B7FF0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Monthly obligation/Garnishment of $569.45 (on each paystub) not reflected in DTI. Verify the deduction on paystub is not a monthly obligation or provide
updated 1003/1008 including in DTI along with evidence of the required monthly obligation. Currently not included in DTI
|
4.XX.2025 Client provided updated 1008 including monthly child support of $XXX in DTI for an updated DTI of XX.XX%; condition remains for updated 1003 to
include this monthly child support under other liabilities (2d) of 1003. All monthly obligations to be listed on 1003.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 25 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 8 years
|
|
8D81945D-7B77-47B1-8945-08A0721B7FF0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
Missing evidence of Lot size AVM/PCI do not reflect the lot size
|
4.XX.2025 Client provided LOX stating google search is acceptable to support XXX for subject. Response, agree however was not in file. Condition is being
satisfied after research of verifying acres
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 25 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 8 years
|
|
FC3B945D-4B83-448B-8B7F-AF9AC9A8511F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 750 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 5 years.
|
|||||||||||||||
|
2FE0D51A-20A4-4423-9E6B-211C0F15DF06
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Final 1003 reflect a new debt w/XXX XXX payment and balance XXX included in DTI however missing documentation to support payment and balance.
|
4/XX/25 Client provided the credit refresh dated XXX with the XXX terms verified
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 750 exceeds guidelines
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 25 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements
|
|
2FE0D51A-20A4-4423-9E6B-211C0F15DF06
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
Property Valuations
|
Property
|
Waived
|
B
|
B
|
B
|
B
|
PRVAPROP2556
|
Acreage exceeds property eligibility guidelines
|
No
|
Acreage XXX exceeds property eligibility guidelines of XXX
|
4.XX.2025 Client provided exception approval for acreage of XXX exceeding guidelines maximum of XXX
|
Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, fico score 750 and 25 years at
current residence and CLTV of 21.86%
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 750 exceeds guidelines
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 25 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements
|
|
00F26010-0578-4358-B2A7-B227631114DB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 8 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 719 exceeds guide lines.
|
|||||||||||||||
|
2182B8A8-AF9C-4AC2-8CFF-33E4111E6EBF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3268
|
Note in file is incomplete
|
No
|
Provide complete copy of executed Note including addendums.
|
4.XX.2025 Client provided executed Subject Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 10 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 17 years at current job
|
|
2182B8A8-AF9C-4AC2-8CFF-33E4111E6EBF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
Missing Co-borrower's income documentations supporting XXX income per month.
|
4.XX.2025 Client provided B2 income documentation (ytd paystub, 2024/2023 w2's and VVOE) supporting monthly income being used for qualifying.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 10 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 17 years at current job
|
|
2182B8A8-AF9C-4AC2-8CFF-33E4111E6EBF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2862
|
Copy of Note in file is incomplete
|
No
|
Provide complete copy of executed Note including addendums.
|
4.XX.2025 Client provided executed Subject Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 10 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 17 years at current job
|
|
A2269E57-2BFC-420E-8DF5-989F1FE907B8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 29.36% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 17.17 years
|
|||||||||||||||
|
0F665174-FDAC-4C46-A6E7-D3C990995072
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 724 credit score exceeds the minimum guideline requirement of 700 by 24 points.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 33 months of mortgage payment history exceed the 12 month minimum guideline requirement by 21 months.
|
|||||||||||||||
|
D0017917-7B44-45E8-AE95-3300B9C7C030
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 794 > is above guideline minimum credit score 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 18.87 points below the guideline program minimum.
|
|||||||||||||||
|
46152282-E6D8-4354-8DE4-C8C3290B886D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 of 44 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 17 years
|
|||||||||||||||
|
380946EF-996E-4F42-A1AC-21C1B18D722B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower at current residence for 50.1 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Max allowed DTI is 50% and the borrower only has a 41.524.
|
|||||||||||||||
|
68EF77C8-8870-445C-92F2-01DBA79C13BD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX.
|
04/XX/2025 Client provided Disclosure history reflecting CD XXX was sent to both on XXX via USPS, makes earliest closing XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 95 months exceeds guidelines of 12 months
|
|
988BE00A-E6FB-4762-AAF8-4D6E3DAD04F0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 752 FICO exceeds guideline of 700.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.93 DTI below guideline of 45.
|
|||||||||||||||
|
62CB60BC-9E81-49C2-9C84-F488BC97C164
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 31.96 points below the guideline program minimum.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x51 exceeds mortgage history guidelines.
|
|||||||||||||||
|
9B00DA0B-B58C-4A21-8E4F-BC66018DFC96
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
XXX CSPA; Home Mortgage Information Document not provided
|
03/XX/2025 Client provided missing XXX CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 41% below the maximum guideline requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 779 credit score exceeds the 660 guideline minimum by 119 points.
|
|
109AD0C1-8E79-422B-AC2C-D2DD97A028CD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 stable employment with 8 years at current jobs.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 721 exceeds guide lines.
|
|||||||||||||||
|
2CBE0A25-93E7-4A3A-8444-4E0AA5F12547
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.88 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
ACC7988E-665E-4E02-AF1D-2114BBC5E6D5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 708 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 16 years at current job.
|
|||||||||||||||
|
D780D5EB-73BD-4EC3-BCDE-A7C453C6DCA5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Texas Equity : Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 29.29 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|
D780D5EB-73BD-4EC3-BCDE-A7C453C6DCA5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Texas Equity : Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 29.29 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|
D780D5EB-73BD-4EC3-BCDE-A7C453C6DCA5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL4033
|
Missing Legal Document(s)
|
No
|
Missing pages 23 &24 of mortgage.
|
4.XX.2025 Client provided all pages of executed Mortgage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 29.29 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|
D223045F-9546-43AC-B7D9-F2F2EEC07768
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing XXX CSPA Home Mortgage Information Document.
|
03/XX/2025 Client provided missing XXX CSPA; Home Mortgage Information Document with acknowledgements disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 5 years.
CFCFS2854: Significant time in profession
- Clayton Comments: Co-Borrower has been in current profession for 10 years.
|
|
576C1DCC-ABDB-4BDF-86FB-D79903F56F40
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 34 years and 9 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 26 years and 7 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 80.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 746 is 86 points above program guideline minimum of 660.
|
|||||||||||||||
|
77C7EC0F-3210-4E74-98A9-B98AD93882C1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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 $600.88 due to increase in Discount Points from $375 on LE XX to $1068.38 on CD XXX, decreased to $975.88 on final CD XXX. No
COC found in file and Rate Lock Pricing dated XXX indicates no increase in a Loan Amount, no rate extension and no change to LTV. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower,
a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/XX/2025 Client provided COC XXX reflecting DTI increase requiring a pricing update for closed end 2nd product resulting in increased Discount Points.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 10.6 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 44 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|
A034D1C9-2409-4B5B-83D7-211BCF238B6A
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 15 years in current profession
|
|||||||||||||||
|
72037407-640A-46A6-A2CD-2CA99D36D746
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 743 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.21 DTI below guideline of 45.
|
|||||||||||||||
|
F8112EB4-D396-4AC3-9222-BA5A9D2EE6CA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 25 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 737 exceeds guide lines.
|
|||||||||||||||
|
DC6664E8-D1B5-4340-9CEF-2D3FFCFEF9FD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Title Notary fee $50 added to Final CD XXX section B. No COC provided listing fee amount or any details as to why fee was added. No cure provided on
borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $50 w/ Proof of Delivery.
|
04/XX/2025 Client provided COC XXX reflecting Borrower advised that they are unable to provide a witness, title to provide a witness for closing. resulting
in Notary fee added
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 75%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 687.
|
|
799B30C0-580E-4B76-9254-4B0C59C87ED8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 70 month mortgage payment history exceeds the 12 month guideline requirement by 58 months.
|
|||||||||||||||
|
791DC9C8-3133-4057-8454-D79DAC72CDEC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 20 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 756 exceeds guide lines.
|
|||||||||||||||
|
08243E57-EE75-4997-9116-6A0525D0155B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 38 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 13 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 13 years
|
|||||||||||||||
|
46347D24-64A3-42A4-9BCE-A1DEC841431B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 21.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 37 years
|
|||||||||||||||
|
FE7D7A5C-0232-421B-90FD-50E17C31DEC9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 703 FICO exceeds guideline of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.93 DTI below guideline of 45.
|
|||||||||||||||
|
5AB15EED-45CE-4CB1-96E4-AE0EEABE7648
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 27 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
|
|||||||||||||||
|
E0898AD2-F44A-471A-AD1D-79FF1C7BA7C1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 775 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 20 years.
|
|||||||||||||||
|
B93D3775-98A6-48A9-8551-354775B0DE53
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 763 exceeds guidelines
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 90.00%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 8 years 9 months
|
|||||||||||||||
|
EBCC9063-A0F5-48C1-8A6E-2FAFCE3E086B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 27 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job; 22 years and 9 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 772 is 112 points above program guideline minimum of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|||||||||||||||
|
E4EC9E6A-91EB-4586-904E-7D33B06350E6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max allowed CLTV is 80% and the borrowers have a 54.834% CLTV.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Max allowed DTI is 50% and the borrowers have a 19.457% DTI.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers in current residence for 7.1 years.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower in same profession for 7.1 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower at current job for 20.1 years.
|
|||||||||||||||
|
82166D47-6C00-44E1-89B6-26364748041B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Title Examination fee $100 added to initial final LE XXX. COC issued XXX lists fee amount but does not give sufficient details as to why fee was added. No
cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery.
|
03/XX/52025 Client provided COC XXX reflecting Title Exam fee needed to to clear the UCC issue found on the Property Summary Report.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 68 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 40.34% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 6.25 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 25 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 8 years
|
|
A64139E9-3580-43F6-B768-E6DAF5AAFF95
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
3.XX.25client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 24.7 years
|
|
A64139E9-3580-43F6-B768-E6DAF5AAFF95
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
3.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
12/XX/24 client provided an approved exception for missing T.42 Title endorsement
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 24.7 years
|
|
7F7D8DA8-787A-4CC4-8D7B-F0FDB75184CC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 9.10 years current residence time
CFCFS2854: Significant time in profession
- Clayton Comments: 16 years in same line of work/profession
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 40 mos. mtg. hist. exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
E4BC25CC-3CE4-456A-B412-9B36A6E6ED24
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
LA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 704 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 6 years at current job.
|
|||||||||||||||
|
103AC07F-8286-428A-98A5-D20514F374D1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 been at current residence for 18 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 20 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV isXX% max per guidelines is 75%
|
|||||||||||||||
|
B65CB1A5-B0FB-4470-B96F-100F362E33FB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
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
|
File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply.
|
04/XX/2025 Client provided the fee split document for proper allocation of Affiliate fees. QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0x30 since inception of mortgage in XXX.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: On job since XXX
|
|
B65CB1A5-B0FB-4470-B96F-100F362E33FB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Section 32
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPS32371
|
Section 32 Loan per Points and Fees Test
|
No
|
File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply.
|
04/XX/2025 Client provided the fee split document for proper allocation of Affiliate fees.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0x30 since inception of mortgage in XXX.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: On job since XXX
|
|
B65CB1A5-B0FB-4470-B96F-100F362E33FB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
State High Cost
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPSTHC308
|
IL High-Cost Loan by exceeding point and fee threshold
|
No
|
File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply.
|
04/XX/2025 Client provided the fee split document for proper allocation of Affiliate fees.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0x30 since inception of mortgage in XXX.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: On job since XXX
|
|
BEBF3347-3A5D-44A7-A3C0-B17D99B4D227
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 69% below the maximum guideline requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 774 credit score exceeds the guideline minimum requirement of 660 by 114 points.
|
|||||||||||||||
|
28ADB12B-2FFF-46FB-987B-7BB532874643
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 8 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 16 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 750 max per guidelines is 720.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 35.28% max per guidelines is 45%.
|
|||||||||||||||
|
D20A1FC2-78BA-416A-AB66-0DB699FAFF7F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 21.52% below guideline requirement
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements
|
|||||||||||||||
|
AA484267-6D6A-4FCC-9F8F-9509FBD01E15
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: 7.1 years in same line of work/profession
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 7.2 years current job time
CFCFS1736: Significant time at current residence
- Clayton Comments: 23 years current residence time
|
|||||||||||||||
|
9BD9DBD8-91E2-4143-957C-975A88E85CF5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 80.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 711 is 51 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31.76% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
836C7141-931D-45D4-9E25-380DD30ABCC7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 of 79 months exceeds guidelines of 12 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 5 years.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 13 years.
|
|||||||||||||||
|
F9BC4456-4B9D-49CF-A1D9-6E584FEF4C26
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 803 exceeds guidelines 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 26.16% below guideline requirement 45.00%.
|
|||||||||||||||
|
AA378C23-BB6E-46D4-A9C1-C29759096FC4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 20 years on current job
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 35%
|
|||||||||||||||
|
85267E76-268A-422F-B46B-BF8A6B2C8726
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 712 > is above guideline minimum credit score 700.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 11.82 points below the guideline program minimum.
|
|||||||||||||||
|
30CAFC57-DB30-49DE-BBB0-97B45A5E094E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 36.86 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
12127829-C909-4625-9F5D-0B951260E46B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ND
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 of 81 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 39.26% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 12.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 12.08 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 11 years
|
|||||||||||||||
|
11493578-1938-44C4-BABF-4D28B3714927
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower is in the line of work >35 years.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
|
|||||||||||||||
|
D8052425-C7B7-41AB-8880-29E1CBBEE54C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 13.1 years current residence time
CFCFS5269: Minimal use of credit
- Clayton Comments: 2.00% revolving credit utilization
|
|||||||||||||||
|
522BF052-E77A-4BD5-B682-5F1540833346
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 28.18 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
28EFDF6B-1D9F-4E68-9D19-391D4AC86911
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
C0C882EB-B845-44B3-98B9-60F89A913882
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing verifications of previous two years income (W-2s etc.).
|
4.XX.2025 Client provided Written VOE for current employer supporting YTD XXX wages along with prior two years (XXX/XXX)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 23 years time at current job.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.47% below guideline requirement 45.00%.
CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments: Additional documented income (Bonus) not used in qualifying
|
|
B63B1EEA-DF01-445E-A84E-35E070BE9394
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Provide evidence of timely provision/receipt of the Home Mortgage Information disclosure.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 7 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 698 is 38 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 35.90% DTI is below guideline requirement of 45.00%.
|
|
BF6A04E9-5906-45BA-BB68-3DF520B30EA4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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 $100.00. Additional fee for Title Examination. Change of Circumstance, or Post Close CD, LOX and a copy of refund check to borrower. Change
of Circumstance provided reflects Title Examination fee and $0.00 amount.
|
03/XX/2025 Client provided COC XXX UCC lien identified on Title, requiring title curative action to be ordered resulting in a Title Examination fee to be
added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 715.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Maximum DTI allowed is 45%. Loan DTI is 25.30%.
|
|
0A2404B7-AA79-4370-8954-8A8EF7C558E6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
File is missing Final CD. Per CD XXX, disbursement date is XXX and expiration date on ROR is XXX. Disbursement date is before end of statutory recission
period.
|
03/XX/2025 Client provided missing final CD XXX with correct Disbursement date.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 771 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 5 years.
|
|
3BFE6CCF-51C1-440F-8DFB-59E53016756D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing XXX income verification for XXX (W-2 etc.)
|
4.XX.2025 Client provided Written VOE for B1 with YTD XXX and prior two years (XXX/XXX) w2 info
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 25 years at current job
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 11 years.
|
|
974D7EC6-4046-4AB3-98C0-C867694B8F3A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Title vesting reads "XXX AND XXX, HUSBAND AND WIFE, AS JOINT TENANTS WITH RIGHT OF SURVIVORSHIP" and Mortgage reads "XXX, SURVIVING SPOUSE."
|
4.XX.2025 Client provided evidence of Affidavit of Death of Joint Tenant
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 742 FICO exceeds guideline of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x44 mortgage payment history exceeds guideline of 0x30x12.
|
|
C0FF7A66-FB73-473E-8AE4-7186F81FB3E6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 22.1 years current residence time
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 14 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 25% revolving credit utilization
|
|||||||||||||||
|
2D013D84-633E-4034-BCD9-86DA7DAD150F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 10 years at current job
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 36.13% below guideline requirement 45.00%.
|
|||||||||||||||
|
F0345BA6-53D3-4363-9018-FEC1474A2DCB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 25 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 75%.
|
|||||||||||||||
|
E698B8A7-3F96-4E4A-ABF5-EFF922BF4E3B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 19.6 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 26 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.
CFCFS5269: Minimal use of credit
- Clayton Comments: 11% revolving credit utilization
|
|||||||||||||||
|
CD1917EE-3ACC-44D4-91F6-848F3AD60B40
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 722 FICO exceeds guideline of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 35.79 DTI below guideline of 45.
|
|||||||||||||||
|
2DC11997-CF54-4850-92BB-A1523E7261D7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 19 years at current job
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
C9FEA145-EECF-40C9-802D-BE8AC6B9B6E1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Title Document preparation fee $100 added to initial CD XXX section B. COC issued XXX lists fee amount but does not give sufficient details as to why fee
was added. No cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery.
|
04/XX/2025 Client provided COC XXX reflecting Borrower requested updated Deed for name change due to Divorce resulting in Document Preparation and Recording
fee added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 30 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 17 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
|
|
D68A3197-9517-40C2-B9FF-72C136F1D7E7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 4 years.
|
|||||||||||||||
|
CEE5EC5D-CFA9-433D-BB3A-E088BFD72A8A
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x33 mortgage payment history exceeds guideline of 0x30x12.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower 17 years at current residence.
|
|||||||||||||||
|
947B2515-611E-4CFB-97FC-1997B8D4A751
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 35.39 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
7DD53961-8466-42A1-B3F4-9C98CBD15DC3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 6 years at current residence.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 22.71% below guideline requirement 45.00%.
|
|||||||||||||||
|
D745235B-2B11-4AF9-92B1-C34D64FDF8E3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 749 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 23.52 DTI below guideline of 45.
|
|
D745235B-2B11-4AF9-92B1-C34D64FDF8E3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 749 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 23.52 DTI below guideline of 45.
|
|
059E6285-60AD-4BC8-BC48-A5EB8FB886D8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 701.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is XX%.
|
|||||||||||||||
|
33342CAF-9855-4603-AEB0-9DE586962581
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 732 exceeds guidelines
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.86% below guideline requirement
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 6 years
|
|||||||||||||||
|
4E31674E-2D07-4AB5-9B31-E7D33D5BDA56
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85% CLTV.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 92 months mortgage payment history exceed the 12 month minimum guideline requirement by 80 months.
|
|||||||||||||||
|
D352DD51-F299-491E-AE50-4654BD6B6C93
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 730 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 24 years.
|
|||||||||||||||
|
12D9E3F3-3DE0-49D5-BAD5-0FF247CC317E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MS
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 of 57 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 10 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 16 years
|
|||||||||||||||
|
3BEBEAE1-6096-4494-B02C-AAC0C04B7475
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 28% DTI is 17% below the maximum guideline requirement of 45%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 44 months mortgage payment history exceeds the 12 month guideline minimum by 32 months.
|
|||||||||||||||
|
F1100699-5E26-48E3-B1B5-7B043FF542DC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 36.42 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|||||||||||||||
|
D466B640-D2C5-41C1-A55E-2D316DF39C40
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property for 20 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 33 years at current job
|
|||||||||||||||
|
1C318FB8-7570-4AF6-9639-E340B67281A6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current job for 28 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 6 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.21% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 740 max per guidelines is 720.
|
|||||||||||||||
|
C0C1A4B5-1B41-4F50-B062-9DFC622ADE1F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV 40.79% below guideline requirements 90.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 774 exceeds guidelines 760
|
|||||||||||||||
|
7AF7411D-4AEE-442F-AA7F-F293A48DDA83
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 19% revolving credit utilization
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV of 42.20% is below max allowable per guidelines of 90%
|
|||||||||||||||
|
87B5CD33-5780-470B-A6A0-3C62C285D6B8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 80% CLTV.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 713 credit score exceeds the 660 minimum guideline requirement by 53 points.
|
|||||||||||||||
|
C64474B5-6335-449D-822A-43FE7716F9DD
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 25.66 points below the guideline program minimum.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x48 exceeds mortgage history guidelines.
|
|||||||||||||||
|
2F67206F-C3CE-4ADD-B76C-49B3E63CFD1C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 39.92 is less than the max of 45.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Current employment 15+ years.
|
|||||||||||||||
|
E34A7D25-D931-4A22-88AD-BD188867E704
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 10.1 years current job time
CFCFS1736: Significant time at current residence
- Clayton Comments: 15 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
075FA3E1-D7BC-404F-BD34-281965118FC6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 19 years and 4 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 22 years and 4 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 27.97% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
181ACD05-CA17-4094-8D17-3390CEA6C7B5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.61% below guideline requirement and include authorized user account
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 727 exceeds guidelines
|
|||||||||||||||
|
1C7E6B49-436B-4DCC-B916-15D0D9D161DE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.00% below guideline requirement 45.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 797 exceeds guidelines 760
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
|
|||||||||||||||
|
C7A13CE4-7D75-475A-90BD-39A16979A40F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 29%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
8F4B1AC5-F44D-4C3B-BC20-635C6D7FB39A
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower 21 years at current job.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.73 DTI below guideline of 45.
|
|||||||||||||||
|
0FA3483D-A5F7-4F96-AA0B-06C37E6A79A7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 762 credit score exceeds the 680 guideline minimum requirement by 82 points.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 90%.
|
|||||||||||||||
|
6AB29995-CE42-44D4-823F-E8366C438B9F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 812 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 6 years at current job.
|
|||||||||||||||
|
6938D099-0940-4A35-9BF4-58B4969C4403
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 27.91 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85
|
|||||||||||||||
|
5384A619-9D57-4819-9951-716580505BA1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Title Document Preparation fee $125 added to initial CD XXX section B. COC form issued XXX does not list fee amount or give sufficient details as to why fee
was added. No cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $125 w/ Proof of Delivery.
|
04/XX/2025 Client provided COC XXX reflecting Property found in a Trust on the Property Report and Borrower requested a change to the deed resulting in a
Document Preparation Fee added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 10 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 759 exceeds guide lines.
|
|
D2FE8036-791D-4405-9A07-EC42357AE9D0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 757 FICO exceeds guideline of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 41.53 DTI below guideline of 45.
|
|||||||||||||||
|
65E6EC36-FC14-40EC-A6E1-D3FCAB84A8DE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 7.6 years current job time
CFCFS1736: Significant time at current residence
- Clayton Comments: 11.3 years current residence time
CFCFS5269: Minimal use of credit
- Clayton Comments: 2.00% revolving credit utilization
|
|||||||||||||||
|
874FB1E9-A815-4091-A1BA-47CE1D0222B8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 719 FICO exceeds guideline of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x58 mortgage payment history exceeds guideline of 0x30x12.
|
|||||||||||||||
|
B181144F-6CA9-486C-ADB6-C5D55A4BB8B8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 719.
|
|||||||||||||||
|
E4D6F49D-476F-4687-90EE-18B2D9416CB4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 5 years and 10 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 10 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 25.54% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
0A3363F4-BC27-4EF9-BF98-694646DBFE7A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 16 years and 9 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 24 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 80.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 15.67% DTI is below guideline requirement of 45.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 705 is 45 points above program guideline minimum of 660.
|
|||||||||||||||
|
0C22DC62-F880-475D-B28B-694E8806C5A2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 52.55 is less that the max of 75.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Reducing outgo by $XXX.
|
|||||||||||||||
|
BA27D571-3288-4044-A9CD-BA3DFA00C4BF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 699 exceeds guide lines.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X27 mortgage payment history exceeds guide lines of 24 months.
|
|||||||||||||||
|
B808DB77-5E82-4594-8983-BB78766B9EF1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 14% less than the maximum guideline requirement of 75%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 42 months mortgage payment history exceeds the 12 month guideline minimum by 30 months.
|
|||||||||||||||
|
F6272501-FF1B-4CAC-B4AB-653EFB8C89B8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
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 is being Tested for Section 32 per Points and Testing Fees, no evidence in file of a Split Fee Sheet or XXX Document present.
|
03/XX/2025 Client provided the Fee split document for proper allocation of Affiliate fees. QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 723.
|
|
F6272501-FF1B-4CAC-B4AB-653EFB8C89B8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Section 32
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPS32371
|
Section 32 Loan per Points and Fees Test
|
No
|
Loan is being Tested for Section 32 per Points and Testing Fees, no evidence in file of a Split Fee Sheet or XXX Document present.
|
03/XX/2025 Client provided the Fee split document for proper allocation of Affiliate fees.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 723.
|
|
7C47CAC1-E86E-467D-8181-D8120D6CE952
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH149
|
Missing support docs for VOM/VOR (e.g. cancelled checks)
|
No
|
missing proof of subject monthly HOA payment of $305
|
4.XX.2025 Client provided evidence with bank statement of monthly HOA of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV of XX% is below max allowable per guides of 75%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower in current residence for 6.3 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower4 in current job for 8.3 years
|
|
A2CCFDE1-941B-4221-A7B9-E019DC8618E4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NE
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33.46% DTI is below guideline requirement of 45.00%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 8 years
|
|||||||||||||||
|
6D9FF5A2-F3FE-4E2F-BD33-F30E16D4B85E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: 64.66% is 15.34 points below the guideline program minimum.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 737 > is above guideline minimum credit score 720.
|
|||||||||||||||
|
78C4FEF9-A1C2-434F-AFD9-D48A60050F7D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 8 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 760 exceeds guide lines.
|
|||||||||||||||
|
BA10FB69-0305-4DCB-B2F3-48C8D5815B39
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.28% is less than the max of 50%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX% is less that the max of 80%.
|
|||||||||||||||
|
7B06C26B-9335-42BA-AF0E-97FF4BE154A7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 813 is 153 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 35.96% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
DE566D08-B9F2-4E73-960C-ADE884322161
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 28 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 32.51% is below max allowable per guidelines of 45%
|
|||||||||||||||
|
3D0E4494-9FB1-4F00-A4ED-6483C1147816
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.15% below guideline requirement 45.00%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 15 years at current job
|
|||||||||||||||
|
C8295DBC-E408-4335-9716-453DE478A9FB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 20.18 points below the guideline program minimum.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x43 exceeds mortgage history guidelines.
|
|||||||||||||||
|
4C478052-62E4-4780-92D8-965C4E562646
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
A 2nd Appraisal fee for $55.00 was added to the CD issued XXX. Change of Circumstance XXX is missing a valid detailed reason for the added fee. Zero
tolerance cure required for $55.00. Provide a letter of explanation, corrected Closing Disclosure, refund and proof of delivery within 60 days of consummation.
|
04/XX/2025 Client provided COC XXX reflecting AVM expired prior to closing. Additional AVM/Appraisal required resulting in an additional $XXX fee. Condition
remains. Per review by Sr. Underwriter, Additional AVM/Appraisal is not in file. Required for review. Additional conditions may apply. 04/XX/2025 Client provided the new AVM supporting the change on the COC adding the fee on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 751 credit score exceeds the 660 guideline minimum credit score by 91 points.
|
|
4C478052-62E4-4780-92D8-965C4E562646
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR151
|
Appraisal dated beyond acceptable date range per guidelines
|
No
|
AVM in file is dated XXX and the note date is XXX. The AVM is 162 days old and stale dated. The AVM must be within 60 days of the note date per the lender
guidelines.
|
4.XX.2025 Client provided duplicate (in file) PCI (Property Condition Inspection) however initial condition is regarding the AVM, AVM in file is dated XXX
with Note date XXX. Initial condition remains 4.8.2025 Client provided post close dated AVM (XXX) with value of $XXX (prior AVM in file dated XXX had expired w/value $XXX) however 1008 value being used is $XXX; condition remains for missing
AVM used to support $XXX (per 1008) Note: COC was previously provided which stated a fee of $XX was charged due to AVM expired prior to closing and this COC is dated XXX4/8 Client provided a 1008 using the XXX PC AVM, Post close AVM
supports value and meets the credit condition for an updated valuation
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 751 credit score exceeds the 660 guideline minimum credit score by 91 points.
|
|
DA985E1E-2EB3-40A0-91E7-9986EFDAB5CD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: Borrowers have no late payments on the mortgage history
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 16 years at current job
|
|||||||||||||||
|
5AA1DFA7-0A58-4287-AE40-F9CADB126BC3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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: 21.7 years current job time
CFCFS2854: Significant time in profession
- Clayton Comments: 27.1 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 27% revolving credit utilization
|
|||||||||||||||
|
95DF8335-AFEC-4A36-92D4-317ACB0D4DB4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 32.41% below guideline requirement 45.00%.
|
|
1F450277-30F5-4737-893E-689529A01CB8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NM
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 720. Loan credit score is 760.
|
|||||||||||||||
|
672562DA-CBC3-4010-AFB4-01B28AA62328
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.90 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
EAA6F56D-036C-4158-910F-5ED079ABF1B5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 8 years and 7 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 8 years and 7 months
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|||||||||||||||
|
C08C982F-6696-4B46-9694-BBA80910B5A9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: CB has 13.3 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 15% revolving credit utilization
|
|||||||||||||||
|
B2BFC1C3-53D6-4973-BF66-30D4704A21D3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 19.1 years current job time
CFCFS2854: Significant time in profession
- Clayton Comments: 20 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 23% revolving credit utilization
|
|
61CDDF8A-DA11-4427-B8B6-BD1558EC3F46
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.31 % v 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV
|
|||||||||||||||
|
31353159-ACAF-48D4-932A-F09263441145
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 80
CFCFS2854: Significant time in profession
- Clayton Comments: Current profession 12 years 11 months.
|
|||||||||||||||
|
85CC99E8-F37E-40A5-830C-702F0E7D05B0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 20 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
EA65A9E5-6889-485F-8C85-5767E6B4F1EE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 37.98% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 17.92 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 38 years
|
|||||||||||||||
|
82B0EF2E-20F7-4BEB-AD46-4558FC1ADC7C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 720. Loan credit score is 730.
|
|||||||||||||||
|
72C84A4F-1714-47DE-B04A-120B9599312B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 31.20% below guideline requirement 45.00%.
|
|||||||||||||||
|
E1D27B3E-AF9B-4653-A331-83BC7CF0C399
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 803.
|
|||||||||||||||
|
0F92F0F0-E418-4F61-93DF-A4067C1F980B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
Per XXX, initial disclosures were issued on XXX. File is missing LE XXX.
|
04/XX/2025 Client provided missing Initial LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 725 credit score exceeds the 660 guideline minimum requirement by 65 points.
|
|
3ACDA53E-76FF-4D98-8A69-FA2370B4D98C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 743 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 39 years at current job.
|
|||||||||||||||
|
AF9F2998-9C8F-4DD0-BFFA-361B740B7354
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 with current employer for 16 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Mid credit 787, guidelines require 660
|
|||||||||||||||
|
0E538532-213C-4185-8A4B-C87B2035A4BA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property for 14 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 812 exceeds guidelines 760.
|
|||||||||||||||
|
D7BA947C-455A-4302-85ED-E2ADB6B29DB7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 29 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
|
|||||||||||||||
|
F2C2A260-EF07-4F3B-B155-88FEC21206D6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 75%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33% DTI is 12% below the maximum guideline requirement of 45%.
|
|||||||||||||||
|
9FF4100B-5FE8-4799-8079-DC574147FCDE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
61DE4A95-4672-44F0-968A-EB4EE882602D
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current job for 12.2 years.
|
|||||||||||||||
|
C8722C43-F918-483D-A95B-3BFE05644809
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 16 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 723 exceeds guide lines.
|
|||||||||||||||
|
23D6D4CB-4E9F-4A75-BB89-7947A11C2C57
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: B1 has 10.11 years in same line of work/profession
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 20.7 years current job time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 43 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.
|
|||||||||||||||
|
36E52A9C-1A91-4194-A075-4925F24F6D51
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 19 years, 10 months at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 696 qualifying score; 660 required.
|
|||||||||||||||
|
E0777AE6-0954-4B2C-95DB-DD281890D824
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in the amount of $100.00 as Title Examination fee was added to CD XXX without a COC in file. Condition pending receiving a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/XX/2025 Client provided COC XXX reflecting Borrower provided approval to clear the UCC found on title resulting in Title Exam fee added.
|
Condition Satisfied,
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 784 credit score exceeds the 680 guideline minimum requirement by 104 points.
|
|
361CD5CF-FA37-4B9B-9ABF-929AA46798E1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 731 credit score exceeds the 680 guideline minimum by 51 points.
|
|||||||||||||||
|
668D6AE7-7E56-4887-BC4F-863ED4B25C17
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Missing CD issued at consummation.
|
03/XX/2025 Client provided Duplicate Post CD XXX already in file. Condition remains for the CD executed at closing on XXX for final testing as that is the
date of the Notary and on the ROR's in file.03/XX/2025 Client provided a Collaborate Comment: The borrower was provided the CD at closing but did not sign it due to the HOI was paid in full at the time of the closing. They e-signed the PCCD
which shows the HOI removed. Condition remains, Provide the CD that was issued at closing mentioned above for proper testing. Additional Conditions may apply.03/XX/2025 Client provided Final CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 43.82 is less than the max of 50.
|
|
668D6AE7-7E56-4887-BC4F-863ED4B25C17
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
No
|
***03/19/2025 Triggered due to review of the unsigned Final CD XXX. Rescission to be re-opened for all title holders dated allowing for the delivery, LOE
and evidence of delivery via tracking.
|
03/25/2025 Client requested review. Rescission is to be re-opened. No Documents have been received to clear itis exception. Condition remains as requested
on XXX. 04/02/2025 Client provided Reopened rescission Document's delivered to Title Holders on XXX with expiration dated midnight of XXX. Rescission has expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 43.82 is less than the max of 50.
|
|
668D6AE7-7E56-4887-BC4F-863ED4B25C17
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
***03/19/2025 Triggered due to review of the unsigned Final CD XXX. Rescission to be re-opened for all title holders dated allowing for the delivery, LOE
and evidence of delivery via tracking.
|
03/XX/2025 Client requested review. Rescission is to be re-opened. No Documents have been received to clear itis exception. Condition remains as requested
on XXX. 04/XX/2025 Client provided Reopened rescission Document's delivered to Title Holders on XXX with expiration dated midnight of XXX. Rescission has expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 43.82 is less than the max of 50.
|
|
429C6B8B-7A54-404F-9F02-B3CDCA7CCD87
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Potential Misrepresentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDPMR1811
|
Potential misrepresentation of borrower's property ownership history
|
No
|
Third party fraud report shows additional property owned at XXX that was not disclosed on the application and no proof of sale in file.
|
4.XX.2025 Client provided an 1008 however what is needed for this condition is evidence borrower do not own property located at: XXX If found borrower do
own, will need updated 1003/1008 adding on REO of 1003, including in DTI and provide evidence of the PITIA monthly payment. Condition remain 4.XX.2025 Client provided an updated 1008 however missing updated 1003 adding in REO and
documentation to support the taxes, hoi, etc. Condition remains for updated 1003 and documentation to support amount being used for this address. 4.XX.2025 Client provided updated 1003 adding LOT to REO: XXX with taxes of $XXX and reflected
as such on fraud report in file
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 29.00 DTI below guideline of 45.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x50 mortgage payment history exceeds guideline of 0x30x12.
|
|
C1E5AFCB-CE0F-4505-99D5-8918E1ECE441
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.69% below guideline requirement 45.00%.
|
|||||||||||||||
|
C295BD23-7C90-4635-A671-B379B0671A65
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 20 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 15 years and 10 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 80.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 718 is 58 points above program guideline minimum of 660.
|
|||||||||||||||
|
47CFE244-6BA4-4618-B1A3-19A09DE7B9E2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
2nd Appraisal fee $450 added to revised CD XXX section B. COC issued XXX lists fee amount or but does not give sufficient details as to why fee was added.
No cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $450 w/ Proof of Delivery.
|
04/XX/2025 Client provided COC XXX reflecting Underwriting added a condition for a 2055 appraisal and was ordered the same day resulting in a 2nd Appraisal
fee added. Condition remains. Provide a valid reason why the 2nd appraisal fee was added by the Underwriter or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 04/XX/2025 Client provided COC
reflecting Underwriters first review of the property data inspection was on XXX and the fee was added XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 730 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 20 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 24 years at current job.
|
|
035E48BD-775F-4E01-BBCE-4234E2362E95
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 35.66% below guideline requirement 45.00%.
|
|||||||||||||||
|
D22D4B78-E057-4EAC-B23E-39B3DFB35EBE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been ibn current residence for 9 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been in current job for 09 years and the same line of business for 22 years.
|
|
D22D4B78-E057-4EAC-B23E-39B3DFB35EBE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been ibn current residence for 9 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been in current job for 09 years and the same line of business for 22 years.
|
|
A8CBD848-CE98-4F95-B375-BEC6DC2E0EC1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 20.99% below guideline requirement 45.00%.
|
|||||||||||||||
|
3A41589E-26ED-4E73-9DE3-360AE9C5187E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 32.28% below guideline requirement
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, B1 (seven years)
|
|||||||||||||||
|
ACBD8D23-FAF7-4DBA-8548-012CB58C5CF3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 35.29% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 10 years
|
|||||||||||||||
|
7D48467E-DFBC-4703-A007-690B3A76A62E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 686 FICO exceeds guideline of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x43 mortgage payment history exceeds guideline of 0x30x12.
|
|||||||||||||||
|
9C15FFF3-3B2A-41E6-8FC8-62C345A209DF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 16 years at current job.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV; 80% max allowed.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 747 qualifying score; 720 required.
|
|||||||||||||||
|
45A62CA6-4060-4BBD-9E35-2E1471EECB29
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 57 months mortgage payment history exceeds the 12 month guideline minimum by 45 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 737 credit score exceeds the 700 guideline minimum requirement by 37 points.
|
|||||||||||||||
|
4FCFE92F-8F84-40C5-A4E6-614D7FF9508E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 796 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 24.75 DTI below guideline of 45.
|
|||||||||||||||
|
7C581158-7C37-4AAC-8262-B0A53E4381AA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 at current job for 10.1 years.
|
|||||||||||||||
|
947406E8-C838-4112-B028-60ADE5E3A426
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max allowed CLTV is 80% and the borrower has a XX% CLTV.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Max allowed DTI is 50% and the borrower has a 15.8% DTI.
|
|||||||||||||||
|
210607B2-0232-44D8-8E56-0E51310E89C3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property for 18 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00% -5.0% for DTI>45.00%= 75.00%.
|
|||||||||||||||
|
1C7746DF-A063-4EC1-89D9-6A9E85DA88F7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 20 years current residence time
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 15.8 years current job time
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 9.11 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 5.00% revolving credit utilization
|
|||||||||||||||
|
4E53E4F4-6B15-4957-A2FC-76426DFDF06A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX.
|
04/XX/2025 Client provided XXX reflecting email opened and consented to package on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 811 exceeds guidelines
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 90.00%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 27 years 9 months
|
|
067DB0AA-24DA-430E-B0E6-103A0A762B32
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 7.1 years current residence time
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 9.2 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 12% revolving credit utilization
|
|||||||||||||||
|
9B6D6762-6801-463A-8E51-92A4ACFCACF2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 20 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
|
|||||||||||||||
|
739BAF72-3A7C-4218-B4B7-3647BF3F8E2A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 751 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 29 years.
|
|||||||||||||||
|
40087E15-EF6C-433A-A225-6E342E24F77A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 10 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job; 8 years and 2 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 784 is 84 points above program guideline minimum of 700.
|
|||||||||||||||
|
2B7A4068-52A0-499E-BFD0-F0B6269403F5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 37.10 years current residence time
CFCFS5269: Minimal use of credit
- Clayton Comments: 3.00% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 58 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
C7B946C8-6B1C-4B8E-9D67-236D5D8C95D2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 781 FICO exceeds guideline of 660.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower 20 years at current residence.
|
|||||||||||||||
|
999E6185-64EF-4F9B-B5D2-834F04F77A12
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 83 month mortgage payment history exceeds the 12 month guideline minimum requirement by 71 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
|
|||||||||||||||
|
71FEE892-0BEC-41D3-B782-8EC6A06F01F2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 31.85% is less than the max of 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX% is less that the max of 90%.
|
|||||||||||||||
|
CB3533C0-FC49-48D1-A6E9-A972793BE072
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Title Examination fee $100 and Title Document Preparation fee $150 added to final LE XXX decreased to $100 on revised CD XXX. COC issued XXX lists fee
amount but does not give sufficient details as to why fee's were added. No cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $200 w/ Proof
of Delivery.
|
04/XX/2025 Client provided COC XXX reflecting UCC lien found on Property Summary Report and vesting correction resulting in Title Exam, Doc Prep, City and
State Taxes and Recording fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 31.65% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 5 years.
|
|
DAB9AB99-EF2C-421B-B465-D81994D0F41E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property > 9 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 14 years at current job
|
|||||||||||||||
|
84B1AA28-CAE6-436A-8CFE-E22415F02AC5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 27%
|
|||||||||||||||
|
4110196A-A14D-4D0D-8B2F-012ED3E72DEB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 736 exceeds guidelines
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 18 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 has significant time at current job, 8 years
|
|||||||||||||||
|
54A4AD1F-C3FB-47C1-BED2-702D08E26CCC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Title vesting reads "XXX, a married man and XXX, a single woman, joint tenants with right of survivorship" and Mortgage reads "XXX, a single woman and XXX,
joined by his wife XXX."
|
4.XX.2025 Client provided LOX stating, Explanation from our Operations Team: XXX is single and we had to include XXX for ICD and FCD purposes since its a
spousal state.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 746 FICO exceeds guideline of 700.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 39.40 DTI below guideline of 45.
|
|
4395F00A-952D-4EF9-9F52-27CB7DD0B666
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 26.35% below guideline requirement 45.00%.
|
|||||||||||||||
|
37A272DA-5AAE-413B-8BFE-11B39AD85BE6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 90%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33% DTI is 12% below the maximum guideline requirement of 45%.
|
|||||||||||||||
|
6726393C-66D4-43C5-A7BC-18285F27D74D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 22 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 36.40% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
|
|||||||||||||||
|
4BAF5667-16C4-487B-9ED7-594498D84E8B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 37.08% below guideline requirement of 45%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 29.08 years.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 25.08 years
|
|||||||||||||||
|
7C3E5463-AE2F-4414-B11B-084C4E76D82C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 28.73% is less than the max of 45%.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 37 months 0x30.
|
|||||||||||||||
|
2B83026C-8ECD-48B3-9BE4-530AC28F0599
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 18 years at current job
|
|||||||||||||||
|
867FA110-D8EF-44FD-A276-BE671336B64A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 758 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 40.00 DTI below guideline of 45.
|
|||||||||||||||
|
83761270-248E-452D-A797-E5C1F458240C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 726 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.83 DTI below guideline of 45.
|
|||||||||||||||
|
07EBEFC1-D543-4162-83F8-9527AF41C50B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 of 56 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 29.48% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7.17 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 5 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 6.08 years and 10.08 years
|
|||||||||||||||
|
1B13E78E-8657-456F-AD37-64B7C90AE397
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current job for 6 years.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 5 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
|
|||||||||||||||
|
98F46048-3663-4AEE-8D44-3B1A85454193
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 705 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 34 years.
|
|||||||||||||||
|
BDE23228-94DB-43D2-826A-A22514034FE9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 10 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 790 exceeds guide lines.
|
|||||||||||||||
|
E1D22B97-1100-454A-9588-CCA317AFD5C9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3268
|
Note in file is incomplete
|
No
|
Page 4 of the Note is missing in the file.
|
4.XX.2025 Client provided all 4 executed pages of Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 41.54 DTI below guideline of 45.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x67 mortgage payment history exceeds guideline of 0x30x12.
|
|
E1D22B97-1100-454A-9588-CCA317AFD5C9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2862
|
Copy of Note in file is incomplete
|
No
|
Missing page 4 of Note.
|
4.XX.2025 Client provided executed all 4 pages of Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 41.54 DTI below guideline of 45.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x67 mortgage payment history exceeds guideline of 0x30x12.
|
|
8D81C9BE-02DD-48A8-9D86-50114A82192E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
65EDEBAA-8CF5-43E1-8510-A7A173C26E93
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 5 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 34 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 75%.
|
|||||||||||||||
|
D9EFC561-DF50-4EB0-98E1-8EFEC78A412C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing documentation of current taxes for the subject property. Taxes are not escrowed.
|
4/XX/25 Client provided the tax bill
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 804 FICO exceeds guideline of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x67 mortgage payment history exceeds guideline of 0x30x12.
|
|
EA2BE7A6-5088-41CB-BFCC-9423DE5FBDFB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 23.80% below guideline requirement
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 766 exceeds guidelines
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 11 years
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 10 years 5 months
|
|||||||||||||||
|
EDE95D65-866A-4908-B7D5-2929E42FE714
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 45 months mortgage payment history exceeds the 12 month guideline requirement by 33 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 75%.
|
|||||||||||||||
|
395A099A-1125-4C04-857C-58C584136E68
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 810 exceeds guidelines
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 33.00% below guideline requirement
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 23 years 9 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX CLTV below guideline requirements. Max CLTV 90.00%
|
|
F5739DBE-0C3D-4F56-AFEA-658422019E5C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 20 years at current job
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|||||||||||||||
|
2EDC111B-0132-467E-96AB-81A9F2C7C448
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirement of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 47 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 34.58% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 26.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 11.08 years
|
|||||||||||||||
|
4EFE7294-078F-4AEC-8AF8-1DDC8FC7AC23
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Credit report date was XXX, the Initial LE was not issued until XXX. Greater that the required 3 days.
|
03/XX/2025 Client provided missing Initial LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property > 24 years.
CFCFS2854: Significant time in profession
- Clayton Comments: B1 has been in the same field of profession > 34 years,
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.04% below guideline requirement 45.00%.
|
|
0C8AC779-4467-4856-95B0-C3D10F7A43EB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP4383
|
MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower
|
No
|
MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower
|
04/XX/2025 Client provided all docs sent as Initial Disclosures, including the Tool Kit and received XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property > 25 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
|
|
3398F415-C7A3-4DA8-9933-045BA7437E5D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Loan file does not contain title endorsement
|
Client acknowledges exception for missing endorsements
|
Initial and Final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current job for 10 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.09% max per guidelines is 45%.
|
|
3398F415-C7A3-4DA8-9933-045BA7437E5D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Loan file does not contain title endorsement
|
Client acknowledges exception for missing endorsements
|
Initial and Final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current job for 10 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.09% max per guidelines is 45%.
|
|
F66A2D74-A383-466D-9DD4-5734189A8CA1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
Missing title report for current transaction. Title policy in file is from the 1st lien date XXX.
|
4.XX.2025 Client provided Title Report
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 32% DTI is 13% below the maximum guideline requirement of 45%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 703 credit score exceeds the minimum guideline requirement of 660 by 43 points.
|
|
6B3FDE57-6E0E-414E-87BF-418EAE7C2DB8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX CLTV with 85 MAX
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 8 years 6 months at current job
|
|||||||||||||||
|
8A572B61-4219-47DA-B5FD-112FB76245E5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing Ack. of receipt of Home Mtg Document.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 8 years.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower has 0x30 last 41 months payment paid on time.
|
|
9D2B15E4-2586-4A10-9EF8-DFE9239842F2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X27 mortgage payment history exceeds guide lines of 24 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 35.96% is below lender's guide line maximum of 50%.
|
|||||||||||||||
|
7174C8F3-AAFA-4990-93F0-550AFF227FF0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 11 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 751 is 91 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31.92% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
B4056297-871A-413B-9108-575267D0DB8B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 37 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
FDC515AC-E012-41D3-B058-C6B34F73C35F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 37.11% is less than the max of 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX% is less that the max of 75%.
|
|||||||||||||||
|
37DD2C3C-1D9D-4DC6-8C55-A5295C3C068A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
zero tolerance $50 due to increase in Title exam from $0 to $50 on Cd XXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check,
LOX and verification of shipping.
|
04/XX/2025 Client provided PCCD XXX with Principal reduction, LOE and Loan Payment history reflecting payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 738 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 35.83 DTI below guideline of 45.
|
|
AF2008D5-3BD2-4E14-AB64-2DED7C85781D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 32.99% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 30 years
|
|||||||||||||||
|
456D8990-F7A4-4F11-9D43-E2BAFF9783C0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH149
|
Missing support docs for VOM/VOR (e.g. cancelled checks)
|
No
|
Missing proof of $50/mo. HOA fee for subject
|
4/XX/25 Client provided the HOA invoice
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 26 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 6.10 years current job time
|
|
EBFD1F24-2853-4FE5-888A-D9F8B629A600
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2478
|
Missing Legal Documentation
|
No
|
Missing Right to Cancel for a 2nd borrower.
|
04/XX/2025 Client provided H8 ROR forms for both, signed XXX executed at closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 21% below the maximum guideline requirement of 75%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34% DTI is 11% below the maximum guideline requirement of 45%.
|
|
EBFD1F24-2853-4FE5-888A-D9F8B629A600
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
4.XX/25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 54% CLTV is XX% below the maximum guideline requirement of 75%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34% DTI is 11% below the maximum guideline requirement of 45%.
|
|
EBFD1F24-2853-4FE5-888A-D9F8B629A600
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 75%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34% DTI is 11% below the maximum guideline requirement of 45%.
|
|
A95A1DB9-4B88-4B9A-AF6B-29EF604FB739
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property > 38 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.90% below guideline requirement 45.00%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
|
|||||||||||||||
|
57203CEF-E0C3-4A9B-A324-1C52E01C4DFF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 6 years
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|||||||||||||||
|
60FEEA19-2202-44D8-9375-4B1A47A2E6FC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 14 years in current profession
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
D22207ED-0509-4267-9AB9-75F52FF2AAA4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDLGL2642
|
Missing proof that HELOC has been paid and closed to future draws
|
No
|
Missing executed request from borrower to close out HELOC w/XXX #XXX (paid off at closing)
|
4.XX.2025 Client provided executed account closure letter for 2nd lien that was paid off on subject CD
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 75.00%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 13 years 1 month
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 8 years 1 month
|
|
9F26B20D-2AA3-43AF-A37B-219DF013DB2E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 771 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 8 years at current job.
|
|||||||||||||||
|
55CCFB44-EC6A-4CC1-95AF-7C07EBE88DC1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 796 exceeds guidelines 760
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.65% below guideline requirement 45.00%.
|
|
55CCFB44-EC6A-4CC1-95AF-7C07EBE88DC1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 796 exceeds guidelines 760
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.65% below guideline requirement 45.00%.
|
|
48D1BBAC-E79D-4769-A3BA-895010B0EF3C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 726 FICO exceeds guideline of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 38.05 DTI below guideline of 45.
|
|||||||||||||||
|
FC75B993-03D9-461C-9FC6-1412A4331C9F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 26+ years on current job.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 75.
|
|||||||||||||||
|
6E220778-69BF-42E4-B3AD-BE1E9DEE6CC9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 751 FICO exceeds guideline of 700.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.69 DTI below guideline of 45.
|
|||||||||||||||
|
F31E5725-0A8C-4371-90B3-3AA026A6ADDC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
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: CLTV XX% below guideline requirements 75.00%-5.% for DTI >45.00% = 70.00%
CFCFS1736: Significant time at current residence
- Clayton Comments: B1 has 43 years at current residence
|
|||||||||||||||
|
BCC4A45D-06A1-49DE-87F7-EC01777AFA16
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 39.31 is less than the max of 45.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Current job 13+ years.
|
|||||||||||||||
|
F0290A2E-EAD8-4051-848F-D57448A7C31E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33% DTI is 12% below the maximum guideline requirement of 45%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 47 month mortgage payment history exceeds the 12 month guideline minimum by 35 months.
|
|||||||||||||||
|
A01ABBA6-5246-4716-BF1A-223E04E2277F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 of 34 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 39.97% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 15 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 7 years
|
|||||||||||||||
|
3F5BF389-7F47-4A6E-9407-505A03EB9FFB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: 10.1 years in same line of work/profession
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score of 711 > than min. required per guidelines of 660
|
|||||||||||||||
|
74EDFB1C-28D1-46D9-AD9E-F3A74989060C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 19.5 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 25% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 26 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
A1591435-E4C7-4968-8361-98E071412C3F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 742.
|
|||||||||||||||
|
B0B7EF87-414D-411C-A57D-1889279F2A68
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 of 60 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 25 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 26.33 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 23.08 years
|
|||||||||||||||
|
132D2FA0-F096-440F-8975-EBC0AADBA434
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current job for 14 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 43.42% DTI below guideline of 45%.
|
|||||||||||||||
|
898FA832-D9C6-4E1F-B3C8-1F4753CDDC6F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers in current residence for 18.3 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current job for 7.11 years
|
|||||||||||||||
|
01317567-2D5C-4209-96A9-94C68DF374B7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 28 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job, 19 years.
|
|||||||||||||||
|
0DCA633B-9A86-4D75-9C93-E304206F2BE5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1307
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated
|
No
|
Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), is missing in the file.
|
04/07/25 Client provided the fully executed RI Home Loan / High Cost disclosures.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 749.
|
|
0DCA633B-9A86-4D75-9C93-E304206F2BE5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1319
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated
|
No
|
Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), is missing in the file.
|
04/XX/25 Client provided the fully executed RI Home Loan / High Cost disclosures.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 749.
|
|
0DCA633B-9A86-4D75-9C93-E304206F2BE5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP1297
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file
|
No
|
Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), is missing in the file.
|
04/XX/25 Client provided the fully executed RI Home Loan / High Cost disclosures.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 749.
|
|
0DCA633B-9A86-4D75-9C93-E304206F2BE5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
RI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP1309
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file
|
No
|
Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), is missing in the file.
|
04/XX/25 Client provided the fully executed RI Home Loan / High Cost disclosures.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 749.
|
|
2E337559-AA18-404D-A6C1-175F7243B6A8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 75.00%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 12 years 9 months
|
|||||||||||||||
|
EF326B06-BCEB-4675-AEF6-C5DB42A51864
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP2057
|
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
No
|
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
04/XX/2025 Client provided the missing Illinois Pred Lend Database - Cert of Compliance.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 12 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 31 years.
|
|
3B07E358-789F-4FB4-913B-B820B7E962B2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 794 exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.55% is below lender's guide line maximum of 50%.
|
|||||||||||||||
|
F1DBF13C-F9FB-425B-B3F4-629756AC7729
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Missing evidence in file non-borrowing spouse title holder have received initial CD XXX min 3 days prior to closing.
|
04/XX/2025 Client provided a Disclosure history reflecting CD was sent via XXX on XXX. History reflects the Borrowers receipt via email, however not the
Non-Borrower's. And XXX delivery results in a 3 day delivery and 3 days for waiting period resulting in earliest closing date as XXX. Provide evidence of Non-Borrowers receipt or exception can be Satisfied a 2B using signed PCCD, ROR's and
Mortgage in file.04/XX/25 Client provided confirmation that evidence of receipt of Initial CD by the Non-borrower cannot be provided. Accepts 2/B.
|
Condition Satisfied. Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 30.24% below guideline requirement 45.00%.
|
|
1D116DCE-ACF7-4300-8B8F-C640A64EC240
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 700. Loan credit score is 779.
|
|||||||||||||||
|
AEBE35E0-2489-429C-B16E-B8915F60F88A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in amount of $113.03 due to increase in Condo Questionnaire from $300 on LE XXX to $413.03 on initial CD XXX with no COC in file. Condition
is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/XX/2025 Client provided the Payment History reflecting Condition Applied. Condition remains. Provide PCCD reflecting Principal Reduction and LOE to
Borrower. 04/XX/2025 Client provided the PCCD XXX with Principal Reduction, LOE and a 2nd copy of the payment history.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31% DTI is 14% below the maximum guideline requirement of 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The XX% CLTV is XX% below the maximum guideline requirement of 75%.
|
|
DC7B5192-7FB1-4E25-B8A8-82ADEDB9BBB4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 40 month mortgage payment history exceeds the 12 month minimum guideline requirement by 28 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 39% DTI is 6% below the maximum guideline requirement of 45%.
|
|||||||||||||||
|
0CB64069-87D3-4519-BF06-F678D83113FD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 29 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 75%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.98% max per guidelines is 45%.
|
|||||||||||||||
|
A18C34B1-1427-43F0-B35C-F4C855450CFE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 773 FICO exceeds guideline of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x35 mortgage payment history exceeds guideline of 0x30x12.
|
|||||||||||||||
|
8F20334E-3B54-412E-8326-033191FFADAC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Repayment Ability
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPSTRA1261
|
IL SB 1167- Loan Extended Without Regard to Repayment Ability
|
No
|
Loan Extended Without Regard to Repayment Ability
|
4.XX.2025 Client provided Borrower Ability to Repay Certification
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 22 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 19 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 780 max per guidelines is 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
|
|
348A03DA-35C7-4208-ABD1-5C52D34E852F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV 35.98% below guideline requirements 90.00 -5% =85.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 762 exceeds guidelines 660 required for 75% - 5% = 70% (actual CLTV 35.98%)
|
|||||||||||||||
|
7DF0F11E-9767-4852-9C03-C855F5897FF7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 766 credit score exceeds the minimum guideline requirement of 660 by 106 points.
|
|||||||||||||||
|
AA683EB0-DBD7-446A-B241-78560DE3C7E8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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: 39.10 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 16% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 30 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
D4C52995-D5A7-49A7-8C0B-42D9AF2BF930
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing Ack. of receipt of Home Mortgage document.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 40 years.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: Borrower has 0x30 last 18 months payment paid on time.
|
|
E5581914-FA55-497D-A841-9C5259D017A4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property for 17 years.
|
|||||||||||||||
|
861FC067-773D-4CCC-A121-9FC4D669EB8C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 802.
|
|||||||||||||||
|
C63A2B77-A185-4C65-8531-E8E4D27DFBF5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Missing page 4 Note signature page
|
4.XX.2025 Client provided executed Note for Subject
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.95%below guideline requirement 45.00%.
|
|
6383E037-92F3-4F77-929C-F244938167DC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
03/XX/2025 Client provided approved exception request for Missing T.42 Title Endorsement.
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 808 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 9 years.
|
|
6383E037-92F3-4F77-929C-F244938167DC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
03/XX/2025 Client provided approved exception request for Missing T.42.1 Title Endorsement.
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 808 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 9 years.
|
|
E30ABCEB-65EC-4532-B3BB-6DFD6433E4B3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 767 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 40 years.
|
|||||||||||||||
|
7CD24C9E-6C5E-44EF-ADF9-C31931FBEDC6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient
credit or refund provided
|
No
|
The Disaster Certification Fee $200, Title - Doc Processing Fee $50 and Title - Document Preparation fee $125 was added to CD and not listed on LE. A
Lender credit of $250.00 to the borrower was listed on the Final CD dated XXX. Need a PCCD to show an additional credit of $125.00 refund to the borrower.
|
04/XX/2025 Client provided an email reflecting that a deed correction to be done with correction to the trust date on XXX, resulting in a document Prep fee
added.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 762 credit score exceeds the 700 guideline minimum by 62 points.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 32% below the maximum guideline requirement of 85%
|
|
E234EAC6-DCB8-4132-9B17-D27E5B639A43
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Texas Equity : Missing T.42 Title Endorsement
|
04/XX/25 Client provided an approved exception for missing endorsement.
|
04/17/25 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 5 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 780 max per guidelines is 760.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 31.84% max per guidelines is 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
|
|
E234EAC6-DCB8-4132-9B17-D27E5B639A43
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Texas Equity : Missing T.42.1 Title Endorsement
|
04/XX/25 Client provided an approved exception for missing endorsement.
|
04/17/25 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 5 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 780 max per guidelines is 760.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 31.84% max per guidelines is 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
|
|
EDD4170B-0C57-4E16-8C32-AFAD862389B3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 787 > is above guideline minimum credit score 760.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x39 exceeds mortgage history guidelines.
|
|||||||||||||||
|
E26E2740-F731-4D03-9991-A6D86A6DDE71
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at XXX for 9 years.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 5 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.26% max per guidelines is 45%.
|
|||||||||||||||
|
4A9432A8-A521-4CAC-B383-B51FD4BB1CE1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 35.11% is less than the max of 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX% is less that the max of 85%.
|
|||||||||||||||
|
69931CDB-A404-4CAC-A8BF-4B4C0CEE3A1D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
Mortgage is missing pages 8 & 9. Provide the fully executed Mortgage.
|
04/XX/2025 Client provided a copy of all pages of the fully executed Mortgage.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 52 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 19.05% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 16 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 25 years
|
|
3CE7B685-873E-476F-BDD3-6BF9FFB073A3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 718 FICO exceeds guideline of 700.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x45 mortgage payment history exceeds guideline of 0x30x12.
|
|||||||||||||||
|
80BB7271-4122-46A5-B316-1313D4A62A3C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 12.08 years
|
|||||||||||||||
|
6B2EF421-8CB8-4360-BAC9-3710D7AEC9F6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is XX points below the guideline program minimum.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 17 years.
|
|||||||||||||||
|
2CAA591B-F97C-4E47-B53C-8439143790D4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 41.74 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|||||||||||||||
|
BC76AA1B-6200-4A9D-9133-8DE8B3A4595D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 700. Loan credit score is 764.
|
|||||||||||||||
|
DD640A53-B9C3-43DB-A01B-8D4266708899
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 47 years and 10 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 739 is 79 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 26.00% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
D266087C-D89B-4FA4-A457-CFCDCAB19471
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 722 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 27 years.
|
|||||||||||||||
|
AEC05197-8B1E-4831-A162-F2A68BB3284F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 83 months exceeds guidelines of 12 months
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 5 years
|
|||||||||||||||
|
206E06CE-88E2-4BD1-8638-AB873E4C595E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 21 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 20 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 31 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 35.54% max per guidelines is 45%.
|
|||||||||||||||
|
9492F452-F2EB-4FD7-BA8B-9082A518CA51
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Missing Page 4 of the executed Note with the borrower's signature.
|
4.XX.2025 Client provided executed all pages (4 pages) of Note for subject
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 19.2 years current job time
CFCFS1736: Significant time at current residence
- Clayton Comments: 10.1 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 67 mos. mtg. payment hist,, exceeds guideline min. requirement of 12 mos.
|
|
B8B103A9-99D9-4D36-AD9B-E3ED48F55FE2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC5551
|
Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests
|
No
|
Missing Final CD dated XXX
|
04/XX/2025 Client provided missing Final CD XXX.
|
Condition Satisfied.
|
Hybrid
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 37 months mortgage payment history exceeds the 12 month minimum guideline requirement by 25 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 699 credit score exceeds the 660 guideline minimum by 39 points.
|
|
B8B103A9-99D9-4D36-AD9B-E3ED48F55FE2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC5553
|
Missing sufficient documentation to determine High Cost Fees and APR Limits
|
No
|
Missing Final CD dated XXX
|
04/XX/2025 Client provided missing Final CD XXX.
|
Condition Satisfied.
|
Hybrid
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 37 months mortgage payment history exceeds the 12 month minimum guideline requirement by 25 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 699 credit score exceeds the 660 guideline minimum by 39 points.
|
|
B8B103A9-99D9-4D36-AD9B-E3ED48F55FE2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
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 Final CD dated XXX
|
04/XX/2025 Client provided missing Final CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 37 months mortgage payment history exceeds the 12 month minimum guideline requirement by 25 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 699 credit score exceeds the 660 guideline minimum by 39 points.
|
|
183907EA-C929-44C3-A9EF-0E0A75EF92D3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 9.8 years current job time
CFCFS2854: Significant time in profession
- Clayton Comments: CB has 10 years in same line of work/profession
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 40 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
FE66205D-B697-4849-B585-5C0C9A035814
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
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
|
Per Compliance loan is Non-QM- cited exception for missing full appraisal. Unable to use the AVM/PCR.
|
4.XX.2025 Client provided LOX stating Non QM is allowed without appraisal. Condition remains, currently DD Firm status is Non QM and Client status is QM
Safe Harbor. Provide XXX with Non QM status or verify Client status is Non QM, currently showing as QM Safe Harbor 4.XX.2025 Client provided XXX with Non QM status
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 32 month mortgage payment history exceeds the 12 month minimum requirement by 20 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have lived at current residence for 24 years and 3 months.
|
|
B8FBBAF8-2152-4D43-9835-C8D0701A7EBA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 670 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.55 DTI below guideline of 45.
|
|||||||||||||||
|
1A3C2F37-54E9-4FC0-A569-2EE67D8CC203
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
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
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient
credit or refund provided
|
No
|
Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $16 for zero tolerance fees. The credit report fee increased
from $140.00 to $156.00 on the CD dated XXX.(Tolerance provided on the Final CD covers the tolerance for the increased tax stamps.)
|
04/XX/2025 Client provided PCCD XXX with Principal Reduction, LOE and Loan transaction history reflecting Payment applied.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers at current residence for 18 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower at job 28.10 years.
|
|
87FDA7D8-BDFF-4286-9E0C-7FF7E7E061DF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job, 31 years 4 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 5 years 2 months
|
|||||||||||||||
|
275DA83F-4ADA-4B53-9DD6-A9A92A2DA14B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 34 years at current residence
|
|||||||||||||||
|
80D0AB85-EC81-4F7B-8535-06C856269EC5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 727.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
|
|||||||||||||||
|
28B5916A-2943-4FD7-8D9C-D87B632145CB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 804 exceeds guide lines.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X62 mortgage payment history exceeds guide lines of 24 months.
|
|||||||||||||||
|
B8FDA230-0BB2-4B7B-89FE-180E247AA72E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 75.
CFCFS1736: Significant time at current residence
- Clayton Comments: 9 years in current home
|
|||||||||||||||
|
C2348701-4201-42F8-BD05-0E56AACFDE78
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient
credit or refund provided
|
No
|
Zero Tolerance $100.00. Final CD L/C $16.00 difference of $84.00. Change of Circumstance, or Post Close CD, LOX and a copy of refund check to borrower.
|
04/XX/2025 Client provided COC XXX reflecting Borrowers approval to update vesting supported by the Quit Claim Deed in file and resulting Documentation
Preparation fee.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 35 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7.67 years
|
|
ED3C7A35-F3DD-47CE-9892-F7DDF5F1D32E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
LA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 746 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 16 years at current job.
|
|||||||||||||||
|
B4326895-8988-48F4-8356-B01D4C8858B9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing OH CSPA Home Mortgage Information Document.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 739 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 32.16% DTI below guideline of 45%.
|
|
D3E414D4-B242-4F1F-A2DD-697081F04B1B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: B1 has 35 years and B2 has 16 years in profession
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 757 score exceeds program Min score 660
|
|||||||||||||||
|
E7A24956-0717-40E7-BC25-E64D8863A86B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 10 years current residence time
CFCFS2854: Significant time in profession
- Clayton Comments: 8 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 11% revolving credit utilization
|
|||||||||||||||
|
E4F877CF-B525-4A24-A8A8-C029E50D27C5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 790 credit score exceeds the 660 guideline minimum by 130 points.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 29% below the maximum guideline requirement of 90%.
|
|||||||||||||||
|
BB46181E-BFB0-4E05-8781-56745907E3D1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
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
|
Clayton determination of Non QM based on the internal test APR of 8.89 exceeds the benchmark rate of 6.470 plus the 3.5 rate spread trigger. Lender
determination of QM SH. Using benchmark date of XXX for bona-fide discount points.
|
4.XX.2025 Client provided Title Split Fee worksheet, fees re tested QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 72.43%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 734.
|
|
BB46181E-BFB0-4E05-8781-56745907E3D1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Section 32
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPS32371
|
Section 32 Loan per Points and Fees Test
|
No
|
File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply.
|
04/XX/2025 Client provided the Fee Split Document for proper allocation of Affiliate fees.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 734.
|
|
7B399A59-8407-4D95-A176-B6B63F937177
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the guideline requirement of 85%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 56 month mortgage payment history exceeds the 12 month guideline minimum by 44 months.
|
|||||||||||||||
|
29320BC8-68B4-40B8-86EC-851C298383CE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
List of homeowners counseling organizations dated XXX not provided w/in 3 days of application XXX
|
04/XX/2025 Client provided the missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 36%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 25 years at current residence
|
|
29320BC8-68B4-40B8-86EC-851C298383CE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
The Initial 1003 provided is dated XXX. The Initial LE provided is dated XXX.
|
04/XX/2025 Client provided the missing Initial LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 36%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 25 years at current residence
|
|
0E7B0A39-C6F7-4907-A374-415DBA437DFD
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 21 years and 2 months
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job; 16 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 80.00% per program.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 710 is 50 points above program guideline minimum of 660.
|
|||||||||||||||
|
FCA31439-52D4-484B-B057-AE85933CA125
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 13 years and 6 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 12 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 37.07% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 756 is 96 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 30.10% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
73ABEEDD-6A3B-4FAE-899B-A74CDF8449B8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDDTI187
|
Debt Ratio > 50%
|
No
|
60.16% DTI exceeds guideline of 50%. Unable to exclude the XXX mortgage payment. Payments are coming from an account that the borrower is a joint account
holder on (XXX #XXX).
|
4/XX/25 Client provided an Email that " all deposits are from daughters payroll" Upon review condition remains as the account is joint4/XX/2025 client
requested re-review that XXX account is daughter's. Confirmed all deposits are daughter's and daughter pays the XXX account.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 778 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Not applicable.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x45 mortgage payment history exceeds guideline of 0x30x12.
|
|
9317DB91-3445-4E4C-A720-16649D44F535
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
3.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 780 > is above guideline minimum credit score 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is XX points below the guideline program minimum.
|
|
9317DB91-3445-4E4C-A720-16649D44F535
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
12/XX/24 client provided an approved exception for missing T.42.1 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 780 > is above guideline minimum credit score 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is XX points below the guideline program minimum.
|
|
41543744-03A7-4BF6-8420-5FD7F4ECA2BC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Borrower 2 signed the note and mortgage, however per the title report and documents in the file, borrower 2 is not on title to the property.
|
4.XX.2025 Client provided LOX stating, Borrower 2 is not listed in the vesting on page 1 of the mortgage, she signed as a non vested borrower.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 748 credit score exceeds the 700 minimum guideline requirement by 48 points.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 38 month mortgage payment history exceeds the 12 month guideline minimum by 26 months.
|
|
BFBDC6FA-BCBE-4241-AF85-2800BBCD5BF5
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 34%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|||||||||||||||
|
D302BA6E-95AD-4611-8CFB-9BA1620000AC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 700. Loan credit score is 798.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
|
|||||||||||||||
|
75B41382-62B7-4BBD-9E8B-CC7B19DA079D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
State High Cost
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPSTHC873
|
MD High-Cost Loan by exceeding point and fee threshold,
|
No
|
File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply.Adjusted Charges$1,955.02Total Loan
Amount$XXXMaximum Charges %4.000%Maximum Charges$1,922.33Charges Margin to Threshold$32.69Total Charges %4.068%Exceeds fees test threshold?Yes
|
04/XX/2025 Client provided the fee split document for proper allocation of Affiliate fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 29.67% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 41.8 years
|
|
5D07C282-12D7-48D4-A85C-8AF6A06819F7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 735 credit score exceeds the guideline minimum requirement of 660 by 75 points.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 49 month mortgage payment history exceeds the 12 month minimum guideline requirement by 37 months.
|
|||||||||||||||
|
C5E74BC9-073B-4B10-8138-018D6D7C583E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00% - 5% for DTI >45% = 75.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property > 6 years.
|
|
C5869910-BC5C-4B18-9ACE-52D8C75491A0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 21% below the maximum guideline requirement of 75%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 43 months mortgage payment history exceeds the 12 month minimum guideline requirement by 31 months.
|
|||||||||||||||
|
B00E5052-73DD-4F6D-8653-D3F782DF5EC6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3268
|
Note in file is incomplete
|
No
|
Note in file is incomplete, page 3 of note is missing from file.
|
04/XX/2025 Client provided all pages of the Note Executed at Closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 32% below the maximum guideline requirement of 85% CLTV.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 752 credit score exceeds the 660 minimum credit score guideline requirement by 92 points.
|
|
B00E5052-73DD-4F6D-8653-D3F782DF5EC6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2862
|
Copy of Note in file is incomplete
|
No
|
Copy of Note in file is incomplete, page 3 of note is missing from file.
|
04/XX/2025 Client provided all pages of the Note Executed at Closing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 32% below the maximum guideline requirement of 85% CLTV.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 752 credit score exceeds the 660 minimum credit score guideline requirement by 92 points.
|
|
7BD11067-8043-455D-B523-63990A98473B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 6 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 9 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 747 max per guidelines is 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
|
|||||||||||||||
|
C5ED77B4-7A6E-40B3-AE3B-5116FD987AB8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 797 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 24.55 DTI below guideline of 45.
|
|||||||||||||||
|
C91CBCA3-D296-43A4-9164-99AAF99600C5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 9 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 24 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is 54.91% max per guidelines is 75%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 39.04% max per guidelines is 45%.
|
|||||||||||||||
|
BD2479CF-7F78-4454-AEB6-B0557D455726
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Texas Equity : Missing T.42 Title Endorsement
|
3/XX/2025 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower have 11 years at current residence
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|
BD2479CF-7F78-4454-AEB6-B0557D455726
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
3/XX/2025 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower have 11 years at current residence
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX%
|
|
68487BA0-43F5-437E-951C-9EE8DA373E8E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 30.93% below guideline requirement 45.00%.
|
|||||||||||||||
|
026C3FD7-DD1C-4C20-AFC0-1EEFEAF8F5EB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 64 months mortgage payment history exceeds the 12 month guideline minimum requirement by 52 months.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has been at current job for 19 years and 7 months.
|
|||||||||||||||
|
2A2041FA-D254-4768-B326-897778E6684F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 17 years and 7 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 14 years and 1 month
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
|
|||||||||||||||
|
A3B9AF7E-6D86-4FBC-AA64-1AAF7336D5A4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Discount Points increased from initial CD XXX $64 to revised CD XXX $814.02. No COC provided listing fee amount or any details as to why fee increased. No
cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $675.02 w/ Proof of Delivery.
|
04/XX/2025 Client provided COC XXX reflecting HOI information received which increased the DTI above XX% resulting in Discount Points increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 43.96 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|
19405EC2-CDC5-43AF-A7BD-807911A3C4C0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is below the max of 75
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: On job 23 years.
|
|||||||||||||||
|
6603F951-88E3-4332-9A06-AC36F4E5384F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 34% below the maximum guideline requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 766 credit score exceeds the 680 minimum guideline requirement by 86 points.
|
|||||||||||||||
|
A7ACBA00-0750-44C1-B61B-30AB0A2E7042
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 681 credit score exceeds the guideline minimum requirement by 21 points.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 27 month mortgage payment history exceeds the 12 month guideline minimum by 15 months.
|
|||||||||||||||
|
8D44E94A-6774-4B8D-B958-A5C6B8AF2428
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 15% below the maximum guideline requirement of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 719 credit score exceeds the 660 guideline minimum requirement by 59 points.
|
|||||||||||||||
|
3E3067FD-CA6D-432A-A9E0-E78E27E610E9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 8 years.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 10 years.
|
|||||||||||||||
|
20228F97-CDCF-4434-AEBD-254F5EB358E0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 80.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: At current job since XXX.
|
|||||||||||||||
|
803FD1E0-FDF9-4428-80D4-A54F6AAB6A49
|
XXXXXX
|
XXXXXX
|
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: CLTV XX% below guideline requirements 85.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property > 9 years.
|
|||||||||||||||
|
6E63C49B-3C11-48F7-AD60-2ECC253A0B7A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 35.59 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 75.
|
|||||||||||||||
|
F26910EF-8F1F-4682-99AF-73DFFF81E178
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
B195FE8F-7AD0-4A0B-AE26-557EBD90CE98
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 70 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 6.92 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 11.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 17 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 23 years and 25 years for B1 & B2 respectively.
|
|||||||||||||||
|
CAB57EA4-F7C6-4921-A4E9-6988EF18D142
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTXHE108
|
TX Equity - Total fees greater than the allowable cap
|
No
|
Adjusted Charges of $1838.06 Maximum charges allowed $1790 and Total charge 2.054%%.
|
04/XX/2025 Client provided LOE stating Discount points should not be included and also a screen print of Price & lock details reflecting undiscounted
Rate/Price of XX%.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 12.1 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 24 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|
CAB57EA4-F7C6-4921-A4E9-6988EF18D142
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
3.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 12.1 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 24 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|
CAB57EA4-F7C6-4921-A4E9-6988EF18D142
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
3.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 12.1 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 24 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|
522F6F49-7756-4960-82CB-F8E87287ED40
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 736 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 9 years.
|
|
522F6F49-7756-4960-82CB-F8E87287ED40
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 736 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 9 years.
|
|
E55BF433-5DC4-4B9C-B366-196216AAD237
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 28.66% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 10.17 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 24.5 years
|
|||||||||||||||
|
49D65AE6-07D2-469A-A609-AF2292275847
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 715 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 9 years.
|
|||||||||||||||
|
56FA3BDE-2A05-4186-A030-1EC9085201AE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 16% below the maximum guideline requirement of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 709 credit score exceeds the 660 minimum guideline requirement by 49 points.
|
|||||||||||||||
|
EFD0932F-62F8-4A3A-9505-C18CEEF2038C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Provide the Revised LE XXX with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may apply.
|
04/XX/2025 Client provided a XXX reflecting document sent XXX and the audit trail is for Co-Borrower. Condition remains for the audit trail for the
Borrower reflecting receipt. Additional conditions may apply. 04/XX2025 Client provided Disclosure tracking reflecting sent on XXX and receipt on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 715 > is above guideline minimum credit score 700.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x46 exceeds mortgage history guidelines.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI: 28.50% is 16.5 points below the guideline program minimum.
|
|
A46794EC-98D8-4A2D-95FF-D2209D4093C3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 781 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 34 years at current job.
|
|||||||||||||||
|
93823C37-C2A7-4EAA-9090-C6EB404ADB53
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 719 exceeds guide lines.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X33 mortgage history payment exceeds 24 months guide lines.
|
|
4F7F12E4-E421-410C-9384-E8326AAF39EA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 680. Loan credit score is 715.
|
|||||||||||||||
|
F1B1F0DF-24C7-4A3A-B5B5-9E1125FBE0FC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 31% below the maximum guideline requirement of 80%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31% DTI is 14% below the maximum guideline requirement of 45%.
|
|||||||||||||||
|
D7BC54DF-E726-49CE-A0FF-1CDEF7616956
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 80.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: On job since XXX
|
|||||||||||||||
|
AAAD690A-35FE-4632-B320-D2706BA266D7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5.08 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 6.7 years
|
|||||||||||||||
|
A1E9C0F8-E2C7-4F69-83DA-B50BFCC5DEB4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 6 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 6 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.10% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
|
|
A1E9C0F8-E2C7-4F69-83DA-B50BFCC5DEB4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 6 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 6 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.10% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
|
|
F3F222F4-2B54-4CC6-B562-2E8EED32DB60
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Initial application was taken XXX, the Housing Counselors List was not issued until XXX. Greater than the required 3 days.
|
04/XX/2025 Client provided the missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 18 years and 1 month
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 10 years and 8 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 800 is 140 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 15.42% DTI is below guideline requirement of 45.00%.
|
|
F3F222F4-2B54-4CC6-B562-2E8EED32DB60
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Initial application was taken XXX, the Initial LE was not issued until XXX. Greater than the required 3 days.
|
04/16/2025 Client provided missing Initial LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 18 years and 1 month
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 10 years and 8 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 800 is 140 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 15.42% DTI is below guideline requirement of 45.00%.
|
|
145BA00A-B1AA-477B-BDF9-6DB661361A7E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 727 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.64 DTI below guideline of 45.
|
|||||||||||||||
|
772FD7AC-1798-4EAA-B074-7CEC07CE1EB6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 7 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 29.40% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 5 years.
|
|||||||||||||||
|
8395E84D-7B09-4142-AD96-28B5F1A6ADD6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 75% CLTV.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 50 month mortgage payment history exceeds the 12 month minimum guideline requirement by 38 months.
|
|
8395E84D-7B09-4142-AD96-28B5F1A6ADD6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 75% CLTV.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 50 month mortgage payment history exceeds the 12 month minimum guideline requirement by 38 months.
|
|
BF4E78F7-4833-49E4-8A3A-8372661218C8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 715 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 38.56 DTI below guideline of 45.
|
|||||||||||||||
|
BDA66712-175D-4277-AEF8-E96063C33851
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
LA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 been at current job for 11.8 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max allowed CLTV is 90% and the borrower has an XX% CLTV.
|
|||||||||||||||
|
35A918BA-37D3-40B3-8705-563E98297C41
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
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
|
Clayton ATR/QM status: Non-QM: Lender documented all ATR UW factors, due to points/fees exceeded
|
03/XX/2025 Client provided Copy of additional fee split for proper allocation of Affiliate fees. QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: 10 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 12% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 30 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.
|
|
35A918BA-37D3-40B3-8705-563E98297C41
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Section 32
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPS32371
|
Section 32 Loan per Points and Fees Test
|
No
|
Loan is tested for Section 32 Loan per Points and Testing fees.
|
03/XX/2025 Client provided Copy of additional fee split for proper allocation of Affiliate fees.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: 10 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 12% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 30 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.
|
|
57F4A650-CF3C-43F4-ADC6-F7E9757D7B64
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 17.6 years current job time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: mtg. payment hist. of 66 mos. exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
308EB267-AD3B-4752-AEEF-36486073CFFE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Texas Equity : Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 54 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
CFCFS2854: Significant time in profession
- Clayton Comments: 7 years in same line of work/profession
CFCFS2860: Good credit history
- Clayton Comments: borrower has deep credit file with all accts. paid as agreed. 0X30,60,90 days. No collections, judgements, BK.
|
|
308EB267-AD3B-4752-AEEF-36486073CFFE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 54 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
CFCFS2854: Significant time in profession
- Clayton Comments: 7 years in same line of work/profession
CFCFS2860: Good credit history
- Clayton Comments: borrower has deep credit file with all accts. paid as agreed. 0X30,60,90 days. No collections, judgements, BK.
|
|
6A2441DA-3359-4D59-A69F-1463AC520A40
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 770.
|
|||||||||||||||
|
406CD939-51EE-433E-8455-771628373AB5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 37 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|||||||||||||||
|
C58837EF-FC80-409F-95B0-CC34EB2AFEC7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 10.9 years current residence time
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: borrower paying off $XXX+ in revolving/installment debt.
|
|||||||||||||||
|
D599A7C7-E9E8-4792-B735-E6D062AE0F94
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 773.
|
|||||||||||||||
|
C08A0CB6-E3CD-4D44-AE0D-DC65F0CB7EC8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 31.26% below guideline requirement
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 80.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 722 exceeds guidelines
|
|||||||||||||||
|
46446F3E-1DE8-4720-BFE8-42307F85CAC4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 > 14 years at current job
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence > 8 years.
|
|||||||||||||||
|
1117D78B-A079-4315-97F7-7928B0694050
|
XXXXXX
|
XXXXXX
|
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: Median FICO 731 > is above guideline minimum credit score 720.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x46 exceeds mortgage history guidelines.
|
|||||||||||||||
|
A1F8582E-21A6-4C8A-B5D5-423FBCE98F5E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
File has 12 months bank statements to support other party making monthly payments of $3,206 w/XXX for other REO owned, LOX email in file (pg 474/475) from
other party stating the several months where cash deposits were made, it came from her however LOX is being requested from borrower stating did not assist with the funds of the cash deposit that other party made into the account for the
several months.
|
4.XX.2025 Client provided LOX stating, We can back out all the cash deposits and the other party still had sufficient funds to make the payments.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 27.72% below guideline requirement
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 20 years
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 12 years
|
|
A1F8582E-21A6-4C8A-B5D5-423FBCE98F5E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Income documentation is not legibleProvide YTD XXX paystub and XXX/XXX w2's (all in file however not readable) Income calculation required upon receipt and
review. Note: VVOE is dated XXX and Note date XXX / Military Personnel
|
4.XX.2025 Client provided YTD XXX paystub along with XXX/XXX w2's supporting monthly income used for qualifying
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 27.72% below guideline requirement
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 20 years
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 12 years
|
|
566FFD18-F4CF-4C5E-B1B5-D895615BAF1B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 0.00% revolving credit utilization
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 804 credit score is > than min. requirement per guides of 660
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV of XX% is below max allowable per guidelines of 85%
|
|||||||||||||||
|
C9ECBF3A-B0C6-4A1B-9D88-1E01E734DD65
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3274
|
Mortgage/Deed in file is incomplete
|
No
|
Mortgage/Deed of Trust is missing the borrower's signature page and Notary page.
|
4.XX.2025 Client provided Complete copy of executed Mortgage including executed Notary
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 20 years
|
|
C9ECBF3A-B0C6-4A1B-9D88-1E01E734DD65
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC806
|
Notary Status is missing
|
No
|
Notary page is missing from the Mortgage/Deed of Trust.
|
4.XX.2025 Client provided Complete copy of executed Mortgage including notary and PUD Rider
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 20 years
|
|
C9ECBF3A-B0C6-4A1B-9D88-1E01E734DD65
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC869
|
Mortgage not signed
|
No
|
Mortgage/Deed of Trust is missing the borrower's signature page.
|
4.XX.2025 Client provided Complete copy of executed Mortgage including executed Notary
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 20 years
|
|
C9ECBF3A-B0C6-4A1B-9D88-1E01E734DD65
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2864
|
Copy of Mortgage/Deed in file is incomplete
|
No
|
Duplicated. This can be cancelled.
|
4.XX.2025 Client provided Complete copy of executed Mortgage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 20 years
|
|
580C789F-9FC3-4892-82E6-0EF5E0476DA9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing proof of no HOA dues for property located at: XXX.
|
4.XX.2025 Client provided property profile to reflect XXX is a Single Family and no HOA was listed by borrower on 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 26 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 6.2 years current job time
CFCFS2860: Good credit history
- Clayton Comments: deep credit file with all accts. paid as agreed. 0X30,60,90 days. No collections, judgements, BK.
|
|
760739DD-C0F7-40C7-ADDB-8B992070A93A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTXHE115
|
TX Equity - TX 12 - Day disclosure not signed by borrower/owners
|
No
|
Notice Concerning Extensions of Credit disclosure not signed by the Borrowers.
|
04/XX/2025 Client provided the missing TX Equity - TX 12 - Day disclosure e-signed by borrower/owners on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x42 exceeds mortgage history guidelines.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 7 years.
|
|
760739DD-C0F7-40C7-ADDB-8B992070A93A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
04/XX/2025 Client provided an approved exception for missing T.42 Tile Endorsement
|
Initial and Final Grade of B.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x42 exceeds mortgage history guidelines.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 7 years.
|
|
760739DD-C0F7-40C7-ADDB-8B992070A93A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
04/XX/2025 Client provided an approved exception for missing T.42 Tile Endorsement
|
Initial and Final grade of B.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x42 exceeds mortgage history guidelines.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 7 years.
|
|
9F093F80-E807-4B04-B976-F85CAD19FB3B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 10 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
|||||||||||||||
|
A58E4587-D093-49A5-86B5-ED1C59D53426
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Home Mortgage Information Document not provided
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 14% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 41 mos. mtg. payment hist. exceeds min. guideline requirement of 12 mos.
|
|
2D4BB2CA-81C2-4A80-A247-307C572FA017
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 786 credit score exceeds the 660 minimum guideline requirement by 126 points.
|
|||||||||||||||
|
D79E735C-743D-462B-B35D-C7075B57A0B6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 20.2 years current residence time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 25 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
C7014B03-8B52-43C7-A322-F852092B9DFA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Texas Equity : Missing T.42 Title Endorsement
|
12/XX/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 774 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 7 years at current job.
|
|
C7014B03-8B52-43C7-A322-F852092B9DFA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 774 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 7 years at current job.
|
|
2EBE7487-9690-4EA1-8FFD-AE6B859E6A05
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 7 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 750 is 50 points above program guideline minimum of 700.
|
|||||||||||||||
|
30140D3B-F78D-42BF-A344-145FCAF87042
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 12 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 746 max per guidelines is 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
|
|||||||||||||||
|
EB353255-D56E-41BD-B06B-C5A9DC220D2C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 40 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 40.60% below guideline requirement of 45%
|
|||||||||||||||
|
9E0B1554-9679-45DF-ACEE-DED959318BF9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 784 credit score exceeds the 660 guideline minimum requirement by 124 points.
|
|||||||||||||||
|
7DBFE838-9A63-491D-8AA1-A78F9B3D0934
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 721 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 26.11 DTI below guideline of 45.
|
|||||||||||||||
|
6026BF5B-94E0-483F-B561-7AF770341785
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Missing Page 4 of the Note
|
4/XX/25 Client provided the complete executed note
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current job for 18.1 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max allowed CLTV is 80% and the borrowers have a XX% CLTV.
|
|
8940DF43-D765-4AD9-AE44-DB79EC987F41
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 28 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
|
|||||||||||||||
|
BFCF68F5-CD07-4874-9B14-E3D6458D86A8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 77 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 20.08 years
|
|||||||||||||||
|
0C825CE7-039D-4F49-A2B7-222FD0281953
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 41.66% below guideline requirement 45.00%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
|
|||||||||||||||
|
98E9512D-7B47-49F2-98D1-E71202B29794
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 39.98 is less than the max of 45.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0x30 38 months
|
|
98E9512D-7B47-49F2-98D1-E71202B29794
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
4.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 39.98 is less than the max of 45.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0x30 38 months
|
|
EBD7A67C-FBF5-4071-825F-03146E460197
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been owning the property for 33 years.
|
|||||||||||||||
|
F7882BE8-90CD-45B8-9BD6-5BCF5F63B238
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 36.31% max per guidelines is 45%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 23 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
|
|||||||||||||||
|
563998AC-78D7-4987-9185-36C29CCF1CD9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property > 7 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%.
|
|||||||||||||||
|
3CCC0211-DFA1-4DCE-921E-B1457EA04FC3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 18 years at current job
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 26%
|
|||||||||||||||
|
593271C2-B8CB-40F0-B90A-2263B9FCEDE1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 39.14 is less than the max of 45.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: On current job 10+ years
|
|||||||||||||||
|
1BB52A1B-5F7A-40DE-998C-67E4D3C4AA36
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property >30 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX%below guideline requirements 90.00%.
|
|||||||||||||||
|
47017CDA-4596-49FC-8D74-E598BD8F1339
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 20.10 years current job time
CFCFS1736: Significant time at current residence
- Clayton Comments: 16.11 years current residence time
CFCFS5269: Minimal use of credit
- Clayton Comments: 10% revolving credit utilization
|
|||||||||||||||
|
37973BB6-AEEE-4557-9A43-B4B4ED659445
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 51 mos. mtg. payment hist exceeds guideline min. requirement of 12 mos.
CFCFS1736: Significant time at current residence
- Clayton Comments: 9.2 years current residence time
|
|||||||||||||||
|
7C5FA362-B0ED-4399-9973-00F11CEB92B7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 712 credit score exceeds the program min 660
CFCFS1736: Significant time at current residence
- Clayton Comments: 5 years at current home
|
|||||||||||||||
|
C282123E-5523-4551-8541-BAC8ACDD1174
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property > 19 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 26.79% below guideline requirement 45.00%
|
|||||||||||||||
|
BE6DDBDD-4992-491A-80D9-DBA4A5848C8E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 29.46 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
2C884139-B68F-4490-B421-5E89179B87B3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 683 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.59 DTI below guideline of 45.
|
|||||||||||||||
|
EC5F33A8-3F9C-4D8D-BF7C-AA81F350236A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 15 years and 6 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 7 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 32.36% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
8CDAE6DF-2BA2-4B2B-8573-338F9147BBB5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 of 684 is 24 points above program guideline minimum of 660.
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 18.60% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
8E188E6A-D8B8-429E-BD41-C62406724484
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 81 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8.08 years
|
|||||||||||||||
|
788108A7-48A7-4005-8D0B-A11AF7C50F27
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
87BE623D-8319-4D4D-82AB-8D1221F0AE12
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 792 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 19.52 DTI below guideline of 45.
|
|||||||||||||||
|
039E804C-1633-4088-90D0-FCB05DD03D29
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 1.00% revolving credit utilization
CFCFS1736: Significant time at current residence
- Clayton Comments: 9.7 years current residence time
CFCFS2860: Good credit history
- Clayton Comments: deep credit file with all accts. paid as agreed. 0X30,60,90 days. No collections, judgements, BK, public record.
|
|||||||||||||||
|
A854C48D-A1F8-4B33-9E5F-5434940789A4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 18 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 747 exceeds guide lines.
|
|||||||||||||||
|
8E959A99-8768-4600-B9DD-873D408A71BE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 805 > is above guideline minimum credit score 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 74.41 points below the guideline program minimum.
|
|||||||||||||||
|
10DE0C3E-5EAF-4499-B73A-821AA96D8EF6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 12.57 points below the guideline program minimum.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 6 years.
|
|||||||||||||||
|
22581022-654F-4423-A00C-A19F90426B13
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 28 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 12 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 33.89% max per guidelines is 45%.
|
|||||||||||||||
|
6030C392-9279-4B96-9AC8-6395B20B325B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 25 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico sore 756 exceeds guide lines.
|
|||||||||||||||
|
32FAAB29-9B0B-4EE3-A600-4DE65E849CF6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 27 years and 7 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 75.00% per program.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 28.21% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
B4F7D283-B72E-4E40-BFDB-067F51D18B99
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 been at current residence for 5 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at currently(XXX) job for 22 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 8 years.
|
|||||||||||||||
|
98625516-01A3-4DFD-8831-6CC14B128616
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 708 credit score exceeds the 660 guideline minimum credit score by 48 points.
|
|||||||||||||||
|
F0390302-4576-4071-9332-4BA80CF12211
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
Per XXX tracking in file, initial disclosures including LE were emailed to borrower but are missing in file.
|
04/XX/2025 Client provided missing Initial LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 21 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 701 exceeds guide lines.
|
|
F0390302-4576-4071-9332-4BA80CF12211
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Application date XXX, earliest HOLC in file is dated XXX.
|
04/XX/2025 Client provided missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 21 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 701 exceeds guide lines.
|
|
2E28D7FD-21FA-4529-A5C3-29A0DC61F705
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0x30 on 1st mtg since inception.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 8+years on current job
|
|||||||||||||||
|
1D461E99-DC6C-41D6-BF08-B736C2745F11
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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 testing failed by $100.00 due to the addition of Title Examination fee without valid Change Reasons documented in the file. No evidence of a
cure Credit at Closing, please provide documents showing valid reason for the addition of fee, a corrected Post CD and proof of delivery via shipping that includes tracking information within 60 days of consummation.
|
04/XX/2025 Client provided COC XXX reflecting Curative need to add spouse to title resulting in Title Examination fee added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 802.
|
|
089FB9A5-C6CC-4AD4-B0C1-8B5019148256
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 691 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 30.92 DTI below guideline of 45.
|
|||||||||||||||
|
80EE1879-FB32-4EDE-8350-F0A272560883
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 11% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 26 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
D1A16B9D-4E83-4979-B19E-3FBC929FB6F0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 30.92 is less than the max of 45.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 21+ years on current job.
|
|||||||||||||||
|
EE70A38C-F12B-427F-B9D1-C9360E25CCC8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 11.10 years current residence time
CFCFS5269: Minimal use of credit
- Clayton Comments: 1.00% revolving credit utilization
|
|||||||||||||||
|
76E27E5D-C9C7-41A5-9A2F-7622841DDB98
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 44.10 years current job time
CFCFS2854: Significant time in profession
- Clayton Comments: CB has 45.3 years in same line of work/profession
CFCFS5269: Minimal use of credit
- Clayton Comments: 18% revolving credit utilization
|
|||||||||||||||
|
57D1B382-1238-4C27-B703-600E6EDD55FC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 803 exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 24.95% is below lender's guide line maximum of 50%.
|
|||||||||||||||
|
B4548CCC-8821-478B-BF2C-463048A8C4F7
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing OH CSPA Home Mortgage Information Document.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 85%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 33.19% below guideline requirement of 45%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 8.5 years.
|
|
CB3317FB-1889-43F3-9667-9989CD92F305
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 762 credit score exceeds the 660 minimum guideline requirement by 102 points.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 90% CLTV.
|
|||||||||||||||
|
8680C7E7-BC74-479D-B1EF-21CBCE67A9E6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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 testing failed by $90.00 due to increased of Origination Charge without valid Change Reasons documented in the file. No evidence of a cure
Credit at Closing, please provide documents showing valid reason for increase of fee, a corrected Post CD and proof of delivery via shipping that includes tracking information within 60 days of consummation.
|
04/XX/2025 Client provided COC XXX reflecting Borrower requested change of loan program resulting in additional fees added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 28.20 is less than the max of 45..
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 75
|
|
8680C7E7-BC74-479D-B1EF-21CBCE67A9E6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent 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
|
Ten percent tolerance fee testing fail by ($237.75) due to the increased and addition of several Fees without valid Change reasons documented in file. No
evidence of a cure Credit at Closing, please provide documents showing addition of fees, a corrected Post CD and proof of delivery via shipping that includes tracking information within 60 days of consummation.
|
04/XX/2025 Client provided COC XXX reflecting Borrower requested change of loan program resulting in additional fees added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 28.20 is less than the max of 45..
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 75
|
|
944DC6C3-1C2A-45F6-B366-03B8630D64B0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 11 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 735 exceeds guide lines.
|
|||||||||||||||
|
DE7170D0-39FD-42C3-A4A1-DA6A32B69A99
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
Child support receipt history does not cover 12 months. Document in file covers XXX-XXX which is only 9 months.
|
4.XX.2025 Client provided copy of Income Deduction Order in which started as of XXX and will continue over 3 years (until XXX) evidence of receipt in file
is from XXX - XXX (9 months) and per Client guidelines 12 months receipt is required however FNMA will allow 6 months receipt of this income Note: 12 months was not provided due to Deduction Order is dated XXX and payment started XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 693 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 41.56 DTI below guideline of 45.
|
|
40530C20-B555-48A5-8B2D-1FA8B8169EA3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 22.23 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|||||||||||||||
|
298594CC-1EA6-48D7-BA86-83E7420DA29C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 698 > is above guideline minimum credit score 680.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is 26.61 points below the guideline program minimum.
|
|||||||||||||||
|
058CBD93-C6EB-4B6E-A4F1-84E10591CE16
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 695 > is above guideline minimum credit score 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x38 exceeds mortgage history guidelines.
|
|||||||||||||||
|
CCA7F5DF-44A0-4625-93F6-A68D6DA2BD5C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 796 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 12 years.
|
|||||||||||||||
|
3E23F307-5D6D-4AF6-BE03-5C990F8EE91E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 14 years and 6 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 10 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job; 10 years and 2 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 24.09% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
9962E9DF-A066-4820-B15B-754C7D8CDB24
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
ME
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 12.7 years current job time
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 18.3 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 19% revolving credit utilization
|
|||||||||||||||
|
C68EAC1F-66EA-4FB7-AC69-8B6D42C26C66
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDCRMH189
|
Missing credit report
|
No
|
Missing credit report.
|
3.XX.2025 Client provided Credit report dated 3.XX.2025
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 800 exceeds guidelines
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 75%. Loan LTV is XX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: No mortgage lates on VOM
|
|
936B22B8-F71E-41C3-8DCD-A932370CDD72
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 770 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 33 years at current job.
|
|||||||||||||||
|
F8F0CC47-00C3-46F3-9122-3EAE1FDC9720
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x35 exceeds mortgage history guidelines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 16 years.
|
|||||||||||||||
|
04C38602-2CF6-440E-B044-84F567960DC6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Potential Misrepresentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDPMR1811
|
Potential misrepresentation of borrower's property ownership history
|
No
|
Missing explanation for address XXX showing on the borrower's driver license. Borrower states owned subject property for 9 years as primary. Driver License
issued XXX.
|
4.XX.2025 Client provided LOX stating, There are no other address variations in the file. The borrower owns no other properties. The credit has no address
alerts. The fraud report has no different mailing address variations. The homeowner's insurance has the subject address for the mailing address as does the mortgage statement. Response, it appears borrower ID was issued Year XXX and 1003
states living at subject 9 years. Condition remains to clarify address of XXX on ID License along with evidence no ownership. This need to be addressed, Primary residence and credit report address history puts borrower at this address XXX
Condition remains for both 1. LOX on this address reflected on ID and (2). evidence no ownership. Subject don't appear to be his primary address due to owned for 9 years and his licensed issue 2 years ago and did not use subject address as
his primary address however used XXX. In addition file don't have w2's to verify what address being used with employer. Fully Written VOE was used for transaction. 4.XX.2025 Client provided LOX from borrower regarding address used on ID,
being parents home
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 715 FICO exceeds guideline of 700.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 35.78 DTI below guideline of 45.
|
|
947727D9-1A9A-457C-9C06-450AFF18F96E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 26 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 36.13% is below max allowable per guidelines of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: 7 years current residence time
|
|||||||||||||||
|
BFF68D56-6ADA-4E88-AD26-CA9188226C2E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 820.
|
|||||||||||||||
|
F88BBF2A-A8D8-4909-8CC6-DE6A7E4040BE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been in current residence for 5.1 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower at current job for 24.8 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Max allowed CLTV is 80% and the borrowers have a XX% CLTV.
|
|||||||||||||||
|
EC1DFBE6-2D9F-430E-8D98-791856DCCB22
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
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 been at current residence for 20 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 37 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 13 years.
|
|||||||||||||||
|
C7DF50A9-12E1-44B7-8840-587FE608D4EB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX% is less that the max of 80.%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Current job 25+ years.
|
|||||||||||||||
|
43D887FC-DD46-4726-9BAD-C1F4BB84BA05
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WA
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 27.84% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 7.17 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 24.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 24.17 years
|
|||||||||||||||
|
01B1B09B-07C6-447E-AC25-8B302329CCC0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 17.5 years current residence time.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 17.6 years current job time.
CFCFS5269: Minimal use of credit
- Clayton Comments: 25% revolving credit utilization.
|
|||||||||||||||
|
73C448F2-3AF9-49BE-9021-B75B1B8CC32C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
LA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5.08 years
|
|||||||||||||||
|
CC89B417-B4ED-4002-810C-A4395802F616
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: 26.6 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 14% revolving credit utilization
|
|||||||||||||||
|
C42469B4-5E39-4B55-BBEA-00A40BB1A6EB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been XXX for 45 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 20 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 85%.
|
|||||||||||||||
|
51B804D2-B6F7-465B-8501-BD0810D9EB28
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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
|
Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $125.00 for zero tolerance fees. A Title Document Prep fee
was added to the CD dated XXX.
|
04/XX/2025 Client provided COC XXX reflecting Deed order required due to name change following marriage resulting in Title Document Preparation fee added.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 31.3 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 12% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 72 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|
FCD8DFD8-3D30-458D-8E29-A2F155D6BCFB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 XX is less that the max of 75.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 41+ years.
|
|||||||||||||||
|
A109F4BE-3C31-456C-8FC3-41A25404BF13
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x72 exceeds mortgage history guidelines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 12 years.
|
|||||||||||||||
|
86B1EB6C-6713-453A-B9DB-B4099CA399F2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 15.5 years in same line of work/profession
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 25 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
57608F37-F628-4A5F-A624-1BD05F16F271
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 56 month mortgage payment history exceeds the 12 month guideline minimum requirement by 44 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 734 credit score exceeds the 660 guideline minimum requirement by 74 points
|
|||||||||||||||
|
2E4C896D-3C93-4205-8DEF-049406D7602B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
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 $1072.86. Increase in discount fees. Change of Circumstance, or Post Close CD, LOX and a copy of refund check to borrower.
|
04/XX/2025 Client provided COC XXX reflecting rate lock on XXX with Discount point increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 788 exceeds guidelines
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.40% below guideline requirement
CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments: Additional documented income (Bonus/OT) not used in qualifying
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 10 years 1 month
|
|
9D73E986-843A-4403-8091-BE253FB4795A
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% the maximum LTV requirement of 85%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33% DTI is 12% below the maximum guideline requirement of 45%.
|
|||||||||||||||
|
EE94DC2A-7801-4F90-8D05-AE206B3D0313
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers at current residence for 5.8 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Max allowed DTI is 50% and the borrowers have a 38.461% DTI.
|
|||||||||||||||
|
BB87F062-97A6-4816-8BA7-AE40795FA863
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property > 14 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 10 years at current job
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 90.00%.
|
|||||||||||||||
|
09A77930-0FC1-48C0-AEDD-F2E736682EC8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 715 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 7 years at current job.
|
|||||||||||||||
|
DA4D0489-E124-493D-B038-FB4582A891D1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 727 credit score exceeds the 660 guideline minimum required credit score by 67 points.
|
|||||||||||||||
|
BBA4ECEA-BCDC-484A-90FF-7D6B9DB4AF1E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
0CE81E4C-0F7A-479B-96B4-77CF19D77A1D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 38.72 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80
|
|||||||||||||||
|
F43AAFC6-4ED7-4E94-A4C6-6061BDEBAB54
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3658
|
TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance
|
No
|
Initial CD: XXX APR Stated as 8.502%, Final CD: XXX APR Stated as 8.717%, difference of 0.215% exceeds tolerance of 0.125%.
|
04/XX/2025 Client provided a XXX reflecting CD XXX sent and viewed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 90%.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: Borrower has 0x30 last 54 months payment paid on time.
|
|
D73CC9B2-2D43-4EA1-84EE-2B46E6E0AC92
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 799 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 12 years at current job.
|
|||||||||||||||
|
87B45DC1-234A-4AC1-B014-CD43DB502CFF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 12 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 699 exceeds guide lines.
|
|||||||||||||||
|
572A3213-BA69-48CD-9B72-1346CAB84297
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR171
|
Subject Photos Unacceptable
|
No
|
Property Inspection Report is missing a left side photo of the subject property.
|
4.XX.2025 Client provided legible copy of PCI dated XXX for subject
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 782 FICO exceeds guideline of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x46 mortgage payment history exceeds guideline of 0x30x12.
|
|
1EBC226A-7F35-4C01-A377-7D8D2D3AF258
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property > 11 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has > 14 years at current job
|
|||||||||||||||
|
C68C0382-96D3-4E0B-97ED-458696BE5D58
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 687 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 22.15 DTI below guideline of 45.
|
|||||||||||||||
|
F01CFB2F-C0BD-4102-8D07-EFC9DDC1E727
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 699 > is above guideline minimum credit score 680.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job, 19 years.
|
|||||||||||||||
|
452A370C-8AF3-48A2-BBE3-6932E78030CC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
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
|
File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply.
|
4.XX.2025 Client provided Split Fee worksheet, fee re-tested. QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 43.64 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|
452A370C-8AF3-48A2-BBE3-6932E78030CC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
Section 32
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPS32371
|
Section 32 Loan per Points and Fees Test
|
No
|
File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply.
|
04/XX/2025 Client provided the missing fee split document for proper allocation of Affiliate Fees.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 43.64 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|
452A370C-8AF3-48A2-BBE3-6932E78030CC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Initial application was taken XXX, however the Initial LE was not issued until XXX. Greater than the required 3 days.
|
04/XX/2025 Client provided missing Initial LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 43.64 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|
CD7B4F00-814B-41CA-83A8-D71431D0E6BC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 700 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 41.23 DTI below guideline of 45.
|
|||||||||||||||
|
C380D78B-3A5C-4FDA-98C2-7D8A3CE6BFA9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property > 8 years.
|
|||||||||||||||
|
69D6B37D-871D-49D2-B55D-B10334B85A08
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 of 49 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 23.65% below guideline requirement of 45%
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 19 years
|
|||||||||||||||
|
9E345895-D365-4774-9C6B-519498C63423
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
B
|
D
|
B
|
CMPMAN2956
|
Missing disclosure
|
No
|
Initial CD XXX was not issued to Non-Borrowing Spouse who is listed as a titleholder. Provide evidence of receipt by Non-Borrower.
|
04/XX/2025 Client provided XXX for each reflecting a Closing Disclosure was sent to both on XXX. Also provided a Collaborate Comment that Non Borrower was
not sent the Initial CD XXX. Satisfy 2B using Final CD, ROR's and Mortgage signed at closing due to no Initial CD received by Non-Borrower.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 37.59 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|
1C179BF7-DB1E-4366-A113-E6B430A722E0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 823 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 19.49 DTI below guideline of 45.
|
|||||||||||||||
|
5044C5DE-62B8-40FE-9AF5-8F6EAE29029C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 786 exceeds guide lines.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X34 mortgage payment history exceeds guide lines of 24 months.
|
|||||||||||||||
|
E2EF0D08-EC5C-4453-A67F-B8374A3317EB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 5 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 16 years4
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 16 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 80%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 30.38% max per guidelines is 45%.
|
|||||||||||||||
|
5B5D3B82-2794-4D79-95B2-8AB486F962E2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Provide the Initial CD XXX with confirmation of both borrower receipt at least 3 business days prior to consummation. Additional conditions may apply
|
04/XX/2025 Client provided a collaborate comment: XXX ICD and tracking showing it was sent via XXX. CD sent electronically on XXX to borrowers, proof of
receipt is attached. Also provided Initial CD XXX Unsigned with Disclosure History reflecting CD was sent via XXX XXX and Interim CD XXX reflecting changes and e-signed by Borrower on XXX with XXX showing receipt by Non-Borrower on XXX.
Condition remains. Earliest closing dated based on Initial CD sent via XXX, 3 days for delivery and 3 days waiting is XXX. Provide evidence that All title holders received the Initial CD XXX a minimum of 3 business days prior to closing.
04/XX/2025 Client provided LOE reflecting CD XXX was sent XXX on XXX. To ensure timely receipt, the CD was re-issued on XXX and successfully delivered electronically, with all parties receiving it on the same day. Condition remains.
Provide evidence for the file that it was the XXX CD that was sent on the XXX and received by both. As there was another CD send on the XXX as well, both with different figures.04/XX/2025 Client provided a Collaborate Comment: Response from
Compliance: Per 1026.19(f)(1)(ii), the creditor must ensure that the consumer receives the CD no later than three (3) days prior to consummation. Since an accurate CD was received on XXX, the requirement was satisfied for the scheduled
closing on XXX. TRID does not require an 'initial CD' but rather that an accurate CD be provided at least three (3) days prior to consummation, which was met with the CD issued on XXX. Per review by internal compliance, allowing use of the CD
XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 75.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0x30 since inception of loan in XXX.
|
|
845AB59C-D4E9-4CAA-88F6-81D4AF5FB46B
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 20% below the guideline maximum requirement of 90%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 764 credit score exceeds the required guideline minimum of 680 by 84 points.
|
|||||||||||||||
|
1D0A6C21-E226-4A05-94C0-0647DCB36A7F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTXHE108
|
TX Equity - Total fees greater than the allowable cap
|
No
|
File is missing the XXX and a Discount Point disclosure (if applicable). Needed for final closing calculation testing.
|
04/XX/2025 Client provided the Discount Point acknowledgement. Condition remains. Provide the the start rate for proper testing. 04/XX/2025 Client provided
a screen shot of the Price & lock details reflecting the Undiscounted rate.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 38.88% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 10.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 12.5 years
|
|
1D0A6C21-E226-4A05-94C0-0647DCB36A7F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
3.27.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 38.88% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 10.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 12.5 years
|
|
1D0A6C21-E226-4A05-94C0-0647DCB36A7F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
3.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV at XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 38.88% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 10.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 12.5 years
|
|
8AB8B71A-859E-4920-92C7-ABAB014A484D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Missing executed page 4 from copy of note in file.
|
4/14 Client provided the executed Note
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 40 months mortgage payment history exceeds the 12 month minimum guideline requirement by 28 months.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has been at current job for 18 years 7 months.
|
|
A6822CB8-1FF6-40EB-B1CF-8DA348E7F5A3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% is below lender's guide line maximum of 75%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 9 years.
|
|||||||||||||||
|
ABF90CC1-C3F4-4A7D-899D-3978FA52854E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x27 exceeds mortgage history guidelines.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job, 11 years.
|
|||||||||||||||
|
8F9A6009-4C03-4C9B-AD16-36F33DC4AB77
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 735 is 75 points above program guideline minimum of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|||||||||||||||
|
1EB05FF9-127D-4FC0-AB6E-278C4ADB59AF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3274
|
Mortgage/Deed in file is incomplete
|
No
|
Mortgage/Deed in file is incomplete, Missing Page 2.
|
04/XX/2025 Client provided complete Mortgage executed at closing with all pages.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 19% below the maximum guideline requirement of 70%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has lived at current residence for 40 years and 2 months.
|
|
1EB05FF9-127D-4FC0-AB6E-278C4ADB59AF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing OH CSPA Home Mortgage Information Document.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 70%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has lived at current residence for 40 years and 2 months.
|
|
28FBDE8F-9362-417A-8095-91C9E324FE20
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 30% DTI is 15% below the maximum guideline requirement of 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 90%.
|
|||||||||||||||
|
EDFCF913-B3C7-410A-AC22-403D32F20566
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 10 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 708 exceeds guide lines.
|
|||||||||||||||
|
DCBC21D3-1C1D-41A0-8DAF-972DA514DF34
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 stable employment with 15 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 734 exceeds guide lines.
|
|||||||||||||||
|
F14B8D1C-0C73-4905-BC6A-5A70BDE1AF48
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP2057
|
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
No
|
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
04/XX/2025 Client provided the missing Illinois Pred Lend Database - Cert of Compliance.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 17 years at current residence
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
|
FE70585D-768F-478D-9251-A660834AD3F6
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 21 years.
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
|
|||||||||||||||
|
CC1536DC-D3AF-4FD3-AEF4-605E4F166B64
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 45 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
CFCFS1736: Significant time at current residence
- Clayton Comments: 5 years current residence time
CFCFS2860: Good credit history
- Clayton Comments: All accts. are paid as agreed. 0X30,60,90 days. No collections, judgement, BK.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is below max allowable per guidelines of 75%
|
|||||||||||||||
|
00BDE618-9FA0-47B4-8ECE-4D3499C288AB
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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: Current job since XXX.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Reducing outgo by $XXX a month
|
|||||||||||||||
|
6770BD1F-FFE8-474A-8B87-077FF7AE4A79
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 44.25 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
A7298AE7-8BFB-4A09-A397-C78130E20D71
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
KS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 20.93% below guideline requirement 45.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been owning the property> 6 years.
|
|||||||||||||||
|
1FDEB2E0-D1FC-495E-ADFA-6E63C39DE7B2
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 41.80 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
49E3398B-3C54-4BA7-BAE4-044A39AA5638
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAPROP132
|
Missing HOA Certificate/Questionnaire
|
No
|
Missing HOA Certificate/Questionnaire
|
4.XX.2025 Client provided LOX stating, This is a detached condo. A condo questionnaire is not required for a detached condo.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been >9 years at current residence
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 85.00%.
|
|
B87DFD8A-91F5-46E5-9424-BCB41453D5FA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 6 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 80.00% per program.
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
|||||||||||||||
|
4D916778-C631-4B31-8F7F-B320040D6821
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 56 month mortgage payment history exceeds the 12 month guideline minimum by 44 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 682 credit score exceeds the 660 minimum guideline requirement by 22 points.
|
|||||||||||||||
|
40D8D42D-668C-4F95-ABCA-857794661965
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 75%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 720 credit score exceeds the 660 minimum guideline requirement by 60 points.
|
|||||||||||||||
|
8CEA1078-AA9C-48EA-B973-43F9E80792A9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 75%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 17% DTI is 28% below the maximum guideline requirement of 45%.
|
|||||||||||||||
|
EC981558-D69A-49DE-B6E3-1C35878F7870
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 712 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 24 years at current job.
|
|
EC981558-D69A-49DE-B6E3-1C35878F7870
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 712 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 24 years at current job.
|
|
8B87E5B8-9DB5-46E6-BF0A-6038297E519C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CO
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 59 month mortgage payment history exceeds the minimum 12 month guideline requirement by 47 months.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have lived at the current residence for 5 years 1 month.
|
|||||||||||||||
|
4BE03B41-949D-454A-884E-991E6A738F90
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 722 FICO exceeds guideline of 700.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 25.47% DTI below guideline of 45%.
|
|||||||||||||||
|
2EFEBBB5-12D5-4FCD-AB89-A1FAC99363DC
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 731 exceeds guide lines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 19 years.
|
|||||||||||||||
|
BDAED8D9-7973-48B0-87A2-855E7D0E5725
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is XX%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Minimum credit score required is 660. Loan credit score is 726.
|
|||||||||||||||
|
5358F1CB-7D8D-409A-BAFB-842222B44A81
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 29 years and 10 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 6 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 736 is 76 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 39.40% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
9130AFD4-D29B-444A-A252-219E01727B54
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
4/XX/25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower in current residence for 8 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Max allowed DTI is 50% and the borrower has a 35.454% DTI.
|
|
9130AFD4-D29B-444A-A252-219E01727B54
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
4/XX/25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower in current residence for 8 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Max allowed DTI is 50% and the borrower has a 35.454% DTI.
|
|
91A44445-D726-4BA8-9120-14670981AAD9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX max per guidelines is 80%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 21.13% max per guidelines is 45%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 5 years.
|
|||||||||||||||
|
9021CCF2-FBF6-4A23-8085-EA8431C8A12E
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 24.2 years current residence time
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 13.2 years current job time
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 41 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
CFCFS5269: Minimal use of credit
- Clayton Comments: 15% revolving credit utilization
|
|||||||||||||||
|
22FDC3E5-C4EC-41A9-AD38-97E73CF224E8
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 36.39 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
860E509A-044D-40CE-8E5F-4DEDD032B829
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing OH Home Mortgage Information Document.
|
03/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 43 months mortgage payment history exceeds the 12 month guideline requirement by 31 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 725 credit score exceeds the 660 guideline minimum by 65 points.
|
|
860E509A-044D-40CE-8E5F-4DEDD032B829
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
Property condition inspection report is missing. In order to used just an AVM the property condition inspection report is required. File contains a current
and expired AVM.
|
4.XX.2025 Client provided an Exterior PCI report dated XXX (however expired), condition remains for more recent PCI (subject Note date XXX)4.XX.2025 Client
provided an updated (post close date XXX) PCI (property condition inspection report)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 43 months mortgage payment history exceeds the 12 month guideline requirement by 31 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 725 credit score exceeds the 660 guideline minimum by 65 points.
|
|
0DF072C1-A9D6-48C9-9093-9353FEBB553F
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 owning the property > 34 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%.
|
|||||||||||||||
|
9244D8A3-B9CC-4F9E-9127-988105E5799C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
DE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property > 7 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 758 exceeds guidelines 720 for 85.00% CLTV.
|
|||||||||||||||
|
F174FAB3-316C-4EDF-BDA1-E6D28A07F749
|
XXXXXX
|
XXXXXX
|
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
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 23.10 years current residence time
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 25.4 years current job time
CFCFS5269: Minimal use of credit
- Clayton Comments: 20% revolving credit utilization
|
|||||||||||||||
|
618A5A10-6966-4D39-863B-AF40046EE6DE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 793 exceeds guidelines
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 29.64% below guideline requirement
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 9 years 5 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 12 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 90.00%
CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments: Additional documented income (Bonus) not used in qualifying
|
|||||||||||||||
|
B05742F5-1C20-49D3-B730-9516B575CD93
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 39.70% max per guidelines is 45%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is 44.24% max per guidelines is 90%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 37 years.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower been at current residence for 10 years.
|
|||||||||||||||
|
D2084EB9-D142-4E2A-822B-72514FADFFE1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
Missing title.
|
4.XX.2025 Client provided Title Property Report
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 684 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 41.79 DTI below guideline of 45.
|
|
B14A6D51-A4A2-4664-8685-B4235C02BD25
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing verification of current taxes for subject property. Taxes are not escrowed.
|
4.XX.2025 Client provided copy of tax bill supporting monthly taxes used for qualifying
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 710 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.02 DTI below guideline of 45.
|
|
51BCA0CB-7F2B-4D4F-B0A6-D9D9FD3D9AA3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 684 credit score exceeds the 660 minimum guideline requirement by 24 points.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34% DTI is 11% below the maximum guideline requirement of 45%.
|
|||||||||||||||
|
CD11E388-BBA6-4558-B0B8-F38661F563FE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 19 years and 7 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 748 is 88 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 39.56% DTI is below guideline requirement of 45.00%.
|
|||||||||||||||
|
389F43D5-00B2-4B58-B728-43BBC983C5C0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
3.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 14 YEARS at current job
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has > 13 YEARS at current job
|
|
389F43D5-00B2-4B58-B728-43BBC983C5C0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
3.XX.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 75.00%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 14 YEARS at current job
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has > 13 YEARS at current job
|
|
35802E94-4B90-445B-9EEB-0A33FEA903C9
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 781 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 39.29 DTI below guideline of 45.
|
|||||||||||||||
|
99C5BE69-3059-42BB-AD0B-9989891164D1
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Reducing outgo by $XXX a month.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0x30 since mortgage originated in XXX.
|
|||||||||||||||
|
9C31878D-5A16-4EC6-B652-8C264AE43EDF
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is XX% below the maximum guideline requirement of 75%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 689 credit score exceeds the 660 guideline minimum credit score by 29 points.
|
|||||||||||||||
|
88D7CF42-B78B-4607-ADD5-8FE11BCC9DE4
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 24.73 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 85.
|
|||||||||||||||
|
09E23B5B-7DDC-436C-B007-5560A2147100
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 9 years
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0x30 since opening of 1st mortgage XXX.
|
|||||||||||||||
|
8DE95B5D-7398-4EBE-B5F4-587CC810F483
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero Tolerance Fee of $853.45 (% Loan Amount (Points)) fee increased from LE $1,092 to CD $1,945.45. Missing a valid Change of Circumstance, or Post Close
CD, LOX and copy of refund check to borrower.
|
04/XX/2025 Client provided COC XXX reflecting DTI increase above XX% caused an update to pricing resulting in Discount Points increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 745 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 15 years.
|
|
85039E41-C24A-473D-A36A-CA254DFBFAC5
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: FICO score 781 exceeds guidelines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence for 16 years.
|
|||||||||||||||
|
D63E6C05-7D84-485A-836E-E3606754F70C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 36.30 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 75.
|
|||||||||||||||
|
D4C8A63C-7ED0-4E1E-834E-B302B7F57066
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been owning the property >27 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has >38 years at current job
|
|||||||||||||||
|
3A69CCEB-BBE7-4C82-A826-1A1BE340CF61
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV below guideline requirements. Max CLTV 75.00%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 14 years
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 11 years
|
|||||||||||||||
|
006D9770-C153-473A-933F-289E7A221693
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Missing Note Signature page 4
|
4/XX/25 Client provided the complete 3 page note with signature
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.71% DTI is below guideline requirement of 45.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 797 is 137 points above program guideline minimum of 660.
|
|
D99E46FB-DC5A-450E-B92A-734A97E84B1D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
OH CSPA; Home Mortgage Information Document not provided
|
No
|
Missing Home Mortgage Information Document.
|
04/XX/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 35.99 is less than the max of 45.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: On current job 12+ years.
|
|
D99E46FB-DC5A-450E-B92A-734A97E84B1D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Missing page 4 of Note
|
4.XX.2025 Client provided executed Note for subject property (provided all 4 pages)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 35.99 is less than the max of 45.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: On current job 12+ years.
|
|
7527D835-4EEB-44CF-A65F-2B54E7868902
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Note page 4 is missing in the file.
|
4/XX/25 Client provided the complete executed Note
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 13 years and 11 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 701 credit score exceeds the 660 guideline minimum requirement by 41 points.
|
|
728CDE81-20A5-4129-8B73-D346BC403AB0
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
Non-QM: Lender documented all ATR UW factors
|
Non-QM: Lender documented all ATR UW factors
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.31 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 80.
|
|||||||||||||||
|
604881FE-EFF2-4BEB-B29F-6B74EA1B1DE3
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 been at current residence for 18 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX% max per guidelines is 75%.
|
|||||||||||||||
|
D3AB703E-AB85-4552-B9D5-38791478BD9C
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% CLTV is 35% below the maximum CLTV requirement of 75%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34% DTI is 11% below the maximum guideline requirement of 45%.
|
|||||||||||||||
|
2A67A571-646A-4B1D-A692-E53859A66713
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 698 > is above guideline minimum credit score 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x69 exceeds mortgage history guidelines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 14 years.
|
|||||||||||||||
|
8D286411-0FF3-45C8-AE21-B49025CAADEA
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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
|
Per COC dated XXX in file stated: LE XXX, Lock updated for DTI which resulted in Discount fee increasing from $956.52 to $1,706.53. No evidence in file of
the LE disclosure present, please provide with any tracking information if applicable.
|
04/XX/2025 Client provided Collaborate Comment: Explanation from Compliance Team: There was no LE provided to the borrower. on XXX the DTI increased to
XX.XX% causing a change in the points, however prior to sending the LE on XXX the DTI was re-calculated and the DTI was XX.XX%, thus removing the increase in Discount Points. Since no change needed to be disclosed, there was no LE created or
provided to the borrower, and the COC was left in the borrower's file in error.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 22 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 730 exceeds guide lines.
|
|
8072AEE8-431D-4735-8406-DF7950382914
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 747 > is above guideline minimum credit score 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX% is XX points below the guideline program minimum.
|
|||||||||||||||
|
CF26684E-266A-4068-8A49-FFEED0B55D42
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 18% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 33 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.
|
|||||||||||||||
|
2C583C18-96DC-4DB1-8147-4E7BD3DCF933
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 31.26 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX is less that the max of 90.
|
|||||||||||||||
|
38A33A35-F674-4882-9AEB-2B09A8073E13
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 753 > is above guideline minimum credit score 720.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job, 28 years.
|
|||||||||||||||
|
7A04B3B4-EC17-45BD-AB00-7C13A82C94EE
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
NM
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 753 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 38.04% DTI below guideline of 45%.
|
|||||||||||||||
|
177403A4-A208-4A08-B19B-DA1F942FBE8D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
VT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
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 significant time at current job; 10 years
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 12 years and 3 months.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 767 is 107 points above program guideline minimum of 660.
|
|||||||||||||||
|
684E5AF2-F5EB-4890-B053-0FD52BA23D4D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 24.37% below guideline requirement 45.00%.
|
|
684E5AF2-F5EB-4890-B053-0FD52BA23D4D
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Texas Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
12/XX/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX% below guideline requirements 80.00%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 24.37% below guideline requirement 45.00%.
|
|
8B5F259F-2963-4FDA-BFE4-9EF53C53E966
|
XXXXXX
|
XXXXXX
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing proof of no HOA dues for property located at: XXX
|
4.XX.2025 Client provided evidence of no monthly HOA for XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- Clayton Comments: 3.00% revolving credit utilization
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 41 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.
|
|
Client Name:
|
||||||||||||||||||||||
|
Client Project Name:
|
TPMT 2025-CES3
|
|||||||||||||||||||||
|
Start - End Dates:
|
1/24/2025 - 4/25/2025
|
|||||||||||||||||||||
|
Deal Loan Count:
|
1,194
|
|||||||||||||||||||||
|
Report Run Date:
|
||||||||||||||||||||||
|
Conditions Report 2.0
|
||||||||||||||||||||||
|
Loans in Report:
|
1,194
|
|||||||||||||||||||||
|
Loans with Conditions:
|
282
|
|||||||||||||||||||||
|
RedactionID
|
Loan Number
|
LoanUID
|
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 Kroll & DBRS Overall Loan Grade
|
Final Kroll & DBRS Overall Loan Grade
|
Initial Kroll & DBRS Credit Loan Grade
|
Final Kroll & DBRS Credit Loan Grade
|
Initial Kroll & DBRS Property Valuations Loan Grade
|
Final Kroll & DBRS Property Valuations Loan Grade
|
Initial Kroll & DBRS Compliance Loan Grade
|
Final Kroll & DBRS Compliance Loan Grade
|
Did Lender Acknowledge Exception at Origination
|
|
657F566B-1656-4DAD-887F-0024DDF27F62
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
No
|
|
EDA6E696-D261-494C-B0B9-988C4C8F0307
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
3202BFA8-916E-4DE0-8484-37FA75DE32F1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
24FD6867-9430-40B4-948B-56CECB40A600
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
77589C0F-A89F-4DE9-B9B6-0DF8BAFD286B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
031FD757-79C7-4537-BE96-BD20FE00A05F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
86C3113E-7969-4ACA-A2FA-19B4DC5F066F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
32BEB624-9D27-43F2-9A48-DA6B77E95591
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
D3B2561F-7524-41C5-A0D6-936386D60AF4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
Not Applicable
|
|
D4E51F25-B176-40DF-A073-4F75D96BC0E3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
6CBCA39A-6EED-421B-A915-3A85C2D535AC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
25069CEC-7EB1-49B9-913B-B321A7EA72BB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
30AC1068-9A63-4EAD-95B6-979C067A7864
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B04F05F3-E1CA-4892-900E-B909BAAC4A36
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
6D52EFF0-62B8-4D5E-8B35-329B7F7DD589
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0585163D-D482-4134-8094-5312238069D5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
304BB425-FF88-44EC-A6B0-DDF7153FFA06
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6F3E36DA-751C-440F-83DA-BB4A628A1064
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B319E268-2C1A-4FE3-8BA0-73858A53BEC0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A05DAA29-91BA-4F31-B6D5-9F1064C347B0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6F90928B-BA9C-4B09-BE42-228627DFD5D9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A3DFB3D7-B653-4A7E-8B9F-AEFC051DA63E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1F95BCB2-39CA-48F7-8C3B-F84382263F6E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B96C9F02-0765-492D-A20F-9A2C0E4DCCCE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Yes
|
|
0EBE85E0-529E-4A9E-8E86-A1519B7CCE31
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
56D19D96-682A-4325-9858-624AC9EC06EF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
88F649F0-8A2D-4A10-8AA9-2F3DDBB138BA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BF2D089C-F7A5-4A09-8D97-EE099B0A5522
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
13E54080-D68B-4DFE-94B2-4CEA530B06F5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
063B49F9-B305-40D5-A6CE-F998F898AD54
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1391C9B9-5A6E-44EF-B54E-D2C24DCB8482
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
11D60A75-B65C-4AB8-873E-A5657C8D7E99
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
47429F63-18C8-4625-9E03-E82F20012D83
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
6C4F68B2-6D25-49AB-8155-337F9BBEAF5C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
40BACC51-DE2A-4C12-AD14-251F9BE31580
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
BEC7AD5E-04FB-4C15-8B09-E0D7E4DDC280
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
92849A86-2C21-4E61-A5C1-215A8B0C369B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AF8035E7-C2AF-4AAA-87C5-CAEA9480080F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B04B5798-8D62-42DA-A134-6B9B279371B6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
140EF083-5999-459F-9674-06D88AD5A569
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
B
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
35473793-F558-4B09-828E-8D2BE10BA4CB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
7DB9B9B7-CDDC-4752-A9EA-C7F47E5B9E50
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
773E984D-42A1-4477-943C-7C805B8B5EFC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7C526479-4B32-4129-808E-966C90853942
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
70806F32-CDC1-4DC6-9292-08A9BC5FBC93
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ADA199DC-93BF-4471-B7CA-6A9E5F11A726
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
75128C72-F824-4D1B-B2B2-06A9DE662F86
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DFEAC69D-72A6-471D-9B10-E0DC79898510
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
C
|
B
|
No
|
|
3B955C11-0FA1-4231-B5CC-F60722B18167
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
207135F8-16A7-48E5-AF64-BB06C71FE175
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
73C7E147-FB40-4452-8C5F-75CE10721BAB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
091853AF-5027-42BF-B583-FF97D38CFE17
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2D0B8286-6320-4CC3-8CEE-59991FDF9F63
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
614FAD83-E111-4B4F-81DC-1A16B09D01B9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A4AECA0E-41AA-43A6-84A3-D1D1717C7414
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E19A7F3E-1E90-4EA2-8C85-E206C1BCEC19
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A1980F08-C070-46AA-A731-1874B4892469
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
223A0AFF-62D7-4425-B021-64E286EFAB09
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D59026CC-7F1D-468D-9B8D-EE379C1C4A1E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A33492EC-B7A2-4D61-8845-4CB0F54D1589
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
41A19CDD-3C05-47CE-A322-BB9D468A8E8A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
977612A5-46E8-4727-9C9C-676946CDAB14
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D02A3270-00C2-4AC4-A55D-939767C3EA8C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1E0C23E8-91B7-4B53-9663-3BC5B6937003
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3E4CCF3B-A355-447A-A828-A58735103BC6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
358DC64D-35F0-4077-BFAB-00F6D0E39272
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0B01C006-5B5D-4157-B473-5FBB1A3084D2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
AC8546DA-5809-4FB0-BFF8-E086FA041570
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3618F20C-A52C-47E1-9035-25AC4463EF8D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
438A29BD-677E-42B0-9D18-E4A1EC3719CC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
34CAB84E-6A4C-4C98-993A-35231DCBB5D7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BD421995-CD3F-4252-B056-C7FCDF20C6FA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0E903257-7A2B-404B-A026-B494EB998B38
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AF660E34-31A5-498E-B410-9F6D0EDCF195
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EDD1E57B-9719-4B09-ADDA-3A8D4B2676FC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
83C69E1E-22DE-40D2-98B5-279541C3E109
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2A3C759B-FECB-4759-9C1D-BF17012DE872
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C138FC8C-2A2F-45B4-837B-B3387A558039
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9CA0EB65-1868-4F69-9F65-BBC7A49B67AC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
BDCF269F-7121-444B-A600-6A27C63B307A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
69931B05-29F3-4603-8E40-4279B7378D53
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2341C904-20F5-47A8-B3D0-87ED579626D1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
214D8C7F-3E25-48E1-9FEB-E5D1D734170E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
9A8509E9-5905-4953-ADD3-CCB1FEF4DDB2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D56720CA-973A-4AB8-A618-1F3B12E94297
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C64F52ED-7C8C-489F-B339-28C194548011
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A31F1020-6B1E-4E7D-A2FF-03D3B5E6B341
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C33335DF-B692-43F9-B00D-AC67DD1F0458
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
B44AD0C0-ADD0-4FE7-BAFB-B5171469E5DF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
88D405B6-1F1D-42E3-9264-5C8812F8C890
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B38DEC59-B08D-42B5-B795-384EF21F053C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B6BBCA4D-63DC-40E3-85CB-291BD2B858D0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7748157C-C6C7-4510-85D0-B2D537A7A2C9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
30C65F0F-B43D-433A-937C-6C055050EE78
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3DD214C6-7BCB-459A-908B-96AB8984005C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E79DA6F5-8C28-458B-A4B9-65C65C30EB45
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AA513078-C1CB-4EBB-8DB0-524CB157614C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
066BE902-5AB0-4EC7-B0F7-E67DB7085346
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
70FD0BB1-1BCC-4877-A983-8FD10F8755B1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
AE905178-FDFF-40BA-8F63-BA414777D925
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
230E67BB-9BE4-4177-BA67-AC4BE2320F58
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D27FCBB2-94AC-4517-8DF5-BABE9BF88D91
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D899F1FA-464F-4F08-BF73-E9EDD249E03D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
84327D3D-EBCE-4F7F-830A-C45E93B31339
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
A00E87C6-F869-4A9A-81FD-2B7DA1A2D4A4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
7013A729-DFCB-4283-800F-AF599F4F6255
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
865D0A3F-BC2F-4ADB-8CBB-294B02B32110
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
39DAE618-9B5A-46BE-B8DA-C3F6D07DDB13
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
6212D33A-F605-45C6-B616-52E85D502F54
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B88E4EF0-A81E-4397-AEBD-956FDC1FF7B1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
BC8BA8FD-1264-4037-9386-F81BD7233C01
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
21B0F478-8563-425E-AC29-D93551B83D59
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
42CEDBE3-B4CA-4AE1-B0BB-EACE9C275ABF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B70D20F3-3256-4E14-9854-49D9DE0AD04B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
B
|
B
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
98DB31AD-E738-4B4F-969E-4A60FFDC6223
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
868E2978-F4EE-4A66-961A-0CD10906B847
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1FDC9A46-B3AF-4D8D-9346-3132EB0E9FC2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D180CC80-F494-4826-A9BE-3EE703A2DAFC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ED7B71C0-7224-452E-B282-E0686D66ED72
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7D86DC9E-1DC0-4C84-8BFA-F0FAAD57B5FB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
302761D1-E674-4816-8AB7-DCB9A8FE5905
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F7313C63-04B3-47A6-89C9-9C4B1C22792C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
93EFDBDB-1172-4992-ADBD-4D65B4FDD696
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
B
|
B
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
5F30E6A1-7D3D-4D5A-A45E-1909BCEA6734
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A2E534E0-CD5C-4C45-BEA8-602DF9F7B6C4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1D6685A3-D56E-422F-B484-4E79374F6AFE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
E1233CB8-F8BA-48DA-A286-E965C07C5BDC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
842B99C3-AB22-46AE-8E23-91DD5470B7ED
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B64735F4-A37D-49ED-981B-CC1708BE8942
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B222DA72-38CD-4A3F-AAA2-B13A21F5DA15
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E15AEF6E-4F13-4445-8F4A-779C2E4C38F0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
B
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
8C5A0AAC-0EF0-49D1-8017-5DB88494FD8E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
36FDC18B-09DD-4A62-B7F2-CAF622150C40
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
24BCE2FF-DA31-4E84-A0A3-5F613FE1A51E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A20556A0-678B-4C5C-9492-1AD20F108F20
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
55FC3D1F-FF53-49F4-BE3C-94BD84458A7B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0089211D-069A-46FE-A402-7AECD5015A55
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F25BE95E-B2DF-418A-9AC9-A8BFC8D7A5E7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1CA975F6-8D59-4792-90B4-6AF7003CE3EF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
762FE6D8-4011-4E6E-9213-0FCC314B5DD6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5E7747CA-6B7E-4F58-90F5-C96028EDD352
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
24A9F37B-B449-4F1E-A167-A22010759177
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
399000F2-0020-496C-A836-A05B3858627B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EC8A0742-FD96-4DE3-BFF1-BBEFCCB5EBBB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F18AB866-5E3F-4FF9-B453-472432088829
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
Not Applicable
|
|
47242982-1E17-4FBC-B162-DDC1BD0CF2C7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
614BF11B-4A16-4686-B9CA-AC0381020BC5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
96402EAF-2934-4B70-94A8-39F663594EC4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
E4371002-9BF2-42BE-B91E-76CDA6F094CD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D8EB3B10-2CBE-4A45-9138-2B4FD4C425CF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DE93FA88-49E7-473D-9A65-80D0048AACB6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5EC2EDDB-9484-4811-BFBB-F4B19734C563
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4BAF851C-BC87-4C02-92A1-57EB8350E95B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
329218A8-29FF-40D1-B94D-D8920E1E391A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0A5910C0-AD94-405F-BC09-4ECDEA4B3A3D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AAF6523F-E743-46A7-961E-3694DB3949C9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
1D5BB284-1F47-4A41-AB8C-B86360E9775B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3B6EC6AC-ADE9-4C49-8EEA-81C17034464E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
244D11E9-951D-42CB-88BA-9C93C971B6B5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
816B24BB-D139-454C-8012-25E32E6A6F50
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
2AEDAB1A-7E68-49E2-B7D7-E1364213FDF0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2790D416-FFE5-482B-95A3-7601402EF2EC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
84D48564-2EC3-4143-BC0B-7983A4610399
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9BFD4B02-E554-41B8-8763-C4456348894F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FADBF4F2-77DA-4455-A46A-96BF03D216A7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C02EE43A-97EE-4C5C-A83A-FD7F21CFF24F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
3BAF870C-2352-4D73-A035-8E1C00889315
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
5309AE00-553D-488F-B66A-74DD9860101D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F569EE1F-B0AC-4E8A-A423-6F7019EB962C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
9C62F0FF-1FD7-46EB-9CA7-A4D8C62D3B24
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
62F639E3-41A8-48E9-9596-B2F9C00A2CEA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F34F37E8-649F-4623-B9B0-95B73D6D83EA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4849B981-45AF-4124-8EDA-8F5497DD8228
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
8BA75408-B732-48C4-919F-A6B9063B8263
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
516D7243-C988-4DD8-BDB3-D1415D0B746F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C3CB60D7-F7F4-40EE-BA6E-D60CFE2B74F9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8F45F59B-6E60-459F-BBFC-91CB5598ACAF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
44A894C3-006F-4A39-BD2D-C64FE040B495
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
047A6E35-7B9D-469E-BBFB-9AB5D89D9DD5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
67832C57-2696-4362-9966-A2A713D751E2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A8EFB1D5-A2C1-425F-BF13-0FD58D015569
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
44A1E922-8F3F-44AE-9D18-EB48895B99E6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AE5F9F58-54E6-4672-9E4E-33329BA1AD52
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
ABC6E533-30EF-4B8C-953B-81B811B3D59D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
30447012-5069-48CE-A9D5-8B9276FA2028
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4894EED5-6BD7-4B73-AA59-7C6D14AD5167
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
A49E50AD-7447-473E-BEC7-F7765CBC346E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
55F82BC6-AD03-4603-A0CD-28117CB03E4A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C7DF76FC-7D3E-456B-A0FA-5FFDBBAAAE80
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A95FEEB1-7B58-40AB-8B20-7CE7B41ECC25
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9D9ECAD9-F3C0-43E2-B014-6CC50BCB006E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5FAAD5AE-1843-4F46-86AA-E568CDA01A56
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0CADF4BE-35EA-4B5A-9AD1-59BD52638135
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3850FE0E-D8E0-44F7-92B8-1759FC59EC6D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
36628382-4EB2-4C5D-A1BF-1DF2E9D9D858
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
F374A6CE-98F2-44CC-B65A-EE9F7EC2E8B9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
C21D17C8-3DA3-4D4D-92C9-EB705F972889
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D2AD97F1-F8E3-4E65-9418-3D80AC9BB53F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7FF5B7EA-E47F-4DD8-B008-513B446C192E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6B92855A-D801-4B01-A6D4-D47FAB72E0FB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C0652071-3C86-4740-9A24-723FDB09273D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
6EF1470B-2C22-4CD9-B90C-DD125506911B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E33457BD-D8B7-463E-815B-E8A4FE0210B5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
19E784EA-33BE-4D69-94A2-9A920C737DDA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EF23F0A5-AD34-4EA2-B6CC-CD48ED7D4C2B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
F840E97E-3A67-4351-BB38-0440D7FE821D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5628E630-1C5A-4FCA-903A-4F40EA3EECBE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
E3BB5887-98C1-47C2-8BD6-0A1E11055AC2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CED83CD8-DE83-4806-9650-D7EAAD999BF2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8C0E1365-52E4-4AE7-9A30-635A4B0E80E8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
46DFC422-FB69-45A2-8218-CC57BAE88F14
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D0F76D36-340A-4D3A-91FA-58B242E62BEA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
CEBB3354-E3C5-4DC8-960D-157969F637E9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2DDD3694-6FBE-4080-AC3E-C29AF60DF8E3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
3E90B128-B506-4985-B6FB-BE3819BCC475
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
88A638C7-2232-4838-A206-7A929921E751
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
65A19F41-32E8-458F-9B8D-3715EAC05DC8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C92FE161-AAB3-4B80-9D75-39DF452293D8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C06E62C7-6F0B-4CB1-9525-05E860DB1911
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3338A809-954E-4460-ACF7-9AED412FF803
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C1F1EA21-F2BD-42D9-A26F-DA71C531BA00
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6BE9824D-D4E4-4719-A858-F64E09D3D0C5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
9113A870-24A0-4A2C-A311-5A499C2689FC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AF5AFFBF-8D75-4022-A118-59EE6008EDE1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9801AE52-2E5F-4DBD-9636-76E11E2B4318
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
7598F0A7-46F0-487B-B9FF-DD6904489D98
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2D4C9700-E75E-4981-9B76-3F60F3221804
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4FC779BB-6B90-4869-A413-09C078664E09
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
BE2C5FE4-C807-4525-BA36-54FBD7255701
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
6853F14B-8DB5-4602-B478-5007748E5D0D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D2D22DA5-3F43-4FAF-8B7C-A9D817F28540
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
A420AEE1-043F-47A0-8BA5-F90912D98D74
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
No
|
|
70911EC2-2677-47F0-B515-0DA85477C6C5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
7B02EF15-8F17-45FB-BB9F-E806DBA19C0E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D3E982DF-4CBF-4DDA-B374-E1126BD1E0A9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
437F6AD3-ED58-4E7C-87E5-C4CC2183CC2D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E143A338-D09A-4C25-8C3C-1D1F3B1E3C06
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
132FBA45-C879-4757-B204-AEC9DACF37FD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3802F5FD-E6FF-4B86-BB56-23B03DB6302E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
7BD58C43-58F1-483F-804D-DCFD77647C85
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0D60D851-BD9C-4E09-9020-CDE33D218ABE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
5CC8B54C-3CAB-47A2-B86A-E3B54317AEB0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
705FCD63-E7E2-436D-9551-CDA601905BCB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
00B731BF-3601-4F32-BEF9-428D935C7C8A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
98E1AC52-E0EB-4C9A-91B8-A83FF1ED7E10
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
094AE8CC-D3FB-4E79-AC9C-689107C666AE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AE40C7D0-C4A4-4396-8DD7-111AAEACBCD7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
7D0A926D-22A4-4220-A662-9D14F3CB88A1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
1B5470D3-4692-4264-A9B2-1497812C6682
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
946BED4C-9A61-4D14-8705-56F77E35C347
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
0EE24E64-22FD-4EF2-BEBF-4281AA464B76
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7ACD0762-CD3B-4158-94D9-F5E616EC5F79
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C77914C6-F482-476B-9F00-3808756DC782
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BE133EB5-4855-4055-AFA9-D06C307AFD85
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
244C3105-5434-407B-901C-206EF026BB5B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
444682DB-FCD0-4CF1-A97D-0189A22333F6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
513235DA-AFE9-4E2C-AB6A-E89A4C75C11D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
617AAE86-056F-4252-965A-5B1516120CF2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
260BFF8A-098F-40DD-9FA5-7A2AE6BF4B6A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
93581938-4DD7-4CA5-92E3-547509A379A5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
227F6D9D-973E-4A2A-9A42-EB8A8E110C63
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
388F64AD-A7B7-4965-A18B-C0DA2F072249
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2105557D-42FA-443A-93BA-CE69ED142613
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C483CB5F-5106-4EC9-8876-F119858A9CB0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
27BECDC9-35FE-41FA-BB42-CA0DBB0A29E4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BC9FCBA6-9F4C-4805-876F-D03D4F31C465
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
Not Applicable
|
|
0B1721EF-2C73-463E-AA6D-FA7367E8CC51
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A9335EDF-4E69-4DD4-9E52-8EEE6303D654
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
0889FB54-ECB8-40D6-AEDE-D3DC69149D78
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
0593DC94-B640-4FD9-9070-E34EF5867E06
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
No
|
|
60620286-30D9-4D56-93AE-345F29469F95
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
691864E9-04CA-4FA3-9E87-CB816F8F192A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
No
|
|
391EEF3C-75E4-4BCA-A9A5-3762BC3C376F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
899C547F-7057-478C-8C27-94AD95306D1E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B5BACB15-382F-423D-856D-272C9F4177C0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
18D77747-5D2E-4B98-9E4D-7B52F48BB40C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
62DAA84A-75C5-4BAC-9190-A0A0070D9370
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
187062BC-1DB9-4916-B529-CD2F1E6ECC4F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F3B636F8-710F-4853-A5A9-978459E8698E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
DE8C7D48-CED1-4ED9-8815-10FDEB15368C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
EE48A61F-79D7-4F4E-95CA-3AFC813C0C5C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9FFE4ABA-1622-46A1-88BE-432AB3E54A3D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
C1B46432-CD9E-4E5D-A1CC-363E46B6E449
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
25D1F30F-0C5A-412F-A089-581078633470
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7CB30933-1BBB-4C6A-B5D8-37C16C1A2910
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
74C222D5-ADED-43A8-B571-4B2A6762D2F9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
6E4D36CE-3DE0-437C-9272-F2F29529BD1E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6998B571-E662-4DB5-BB62-F7B137005B32
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ADF4B9C9-2654-43C2-BC92-91BA1D7F633A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3300165C-72FF-404B-AA8D-2B5255A95243
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7F830A9A-B59C-41C8-B5F7-B316743E9965
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
08110640-D6AE-4041-8734-29571E9B7E91
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
74797A2D-DF91-4D27-946C-327F7D20D10D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A1D85292-ECCC-454F-AF4F-308A823B486C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D53D0136-D5FA-4309-A78E-05B7C1E882EB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
1B8E1477-EE10-4B6F-9B8F-DED4EDC54B49
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D2DDA7F6-D866-42AB-85BB-7DEC176D02D5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
3AC6933F-AB84-4B25-9BFD-98D23ABCA513
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
637D415C-8363-4560-8EE8-7DA208585B1C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1733D09A-5A15-4045-88AF-01528795B449
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3799F83D-C1C6-4B08-8BE5-2F4399DDE0B7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
46A59347-9159-4A8A-829C-7F454B5EF274
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D7838362-EC6E-4B39-A98E-DCB8CD2064D0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FCCB0ADC-19B9-4432-BB57-FB46220F6243
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
77103145-F3C7-4F3C-95AF-F80FFF2561FE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F8E1A406-E4E3-4A61-9539-2F0EF02BFB44
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4FA16BBA-D68F-40D2-A00A-130C6C09F3FE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C11392E3-D4A5-43AE-B6AA-8F416CB480F7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D22C35E2-83DE-468E-AEDA-62461FA2D500
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A0D4D1A0-A87F-4D21-8AD6-2351A6E87EC3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4145BF1B-6D68-46CA-B628-B0D282C82943
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7289EFF1-280A-4348-9FCB-4720D3167E7B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D1250748-AF48-4030-92B8-9CA16445CC7D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D4E33A03-2AB2-4A42-956A-4F2D7EA4A779
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F944BE46-92F5-4278-B6CC-34861243D723
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E8350CF7-F42B-44D5-A0EC-1EE1591D58B5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5A82C486-7EC9-4587-812E-87F91D56026C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
7974A7D3-855B-4284-A132-36AF24E98B50
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4B0BEB4F-7905-44E5-8395-6314331760D2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
259AF71B-CF06-4188-AA7D-3155E87CDB17
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D5C51C0B-3F32-42BF-B54B-FF32B7792524
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
520C8652-778D-44A4-9705-06F8EE0291BF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
130B75E8-2406-48F5-B56A-037D8069F602
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
445DADAF-14EF-4B5A-BC27-4C2F3A11C9AA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
66DCF4A1-6699-4DAB-8537-0A8E57052E98
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
08D71172-E3BD-4751-BE4D-C5446C5A624F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4CC26AFF-EBE9-49D5-94F6-B5FADA61C273
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
21EDAD66-4D49-4623-ABF9-015C6A59952B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
B4AD8A03-51BD-4CEC-9F84-62603505A95F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
8CA2663E-F911-48F3-9C42-FAF9E21C15C1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7603DC61-987D-43B7-9E24-221FA619B28A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
58B70A60-A51D-4C13-87FF-C180CD7EF21A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
354D54A9-36CB-41B2-ACCF-1B590B75B893
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1BE02C5A-C35A-45D0-93ED-AE47D2300A77
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BEB9BB3F-2AE3-451D-B350-2F1988D84DD4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
471073C8-2DEF-46E7-ABB6-640E00D36A94
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
55457A95-5449-437C-A625-93F24CCC9C2C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AC0556C3-7C53-41E2-BC0A-2855A9C7438D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
6B835C6E-1D54-4F55-829E-92024819A77D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
63F0F045-1BA1-4242-B883-53D7A3A9EAF1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
639ACEDC-4614-479B-A5D7-2D1E634C5468
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5896216E-4334-402C-ABC1-D134514D7EAA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
43BC67B0-4D47-41A5-918B-EF01CA8AB476
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8C996B7D-92B1-414E-AE7E-57F2AF3A2160
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E65E4A18-F11D-4859-9D8A-3953FA34CFD7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4094DB0B-ED86-412F-8644-65C12F646678
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A9374D67-B741-4226-B4C2-5C899A388727
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4D796D96-DD6F-4460-AF92-9792CD2A08FA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
21FFC349-B510-4C71-BF1F-9E9AB071652E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5E7F59F7-1ACC-43FB-BBC8-ED13C355038F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
81AE0AE5-015E-441E-AC4B-E2E7DAB8377A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
876DD4CC-2FD0-41B6-B221-24949835E5CA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E9FAB9E5-9037-4264-9D0D-30C7E73892AF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
8A97DA85-0372-42D8-8D66-A9FF438C15A6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
78C3440A-0D80-4C27-8F55-D6B0B0046A95
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
B55329C3-4B41-438D-84B7-1AC82AB2C089
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EDA1C047-E407-4CC3-9725-3F1360262835
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
945344A7-6FAC-4AE4-A48C-A2A3DF161F82
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CC11AFB4-5DBF-4663-9C34-4FAAE58436D8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A8320586-E26C-4371-86E2-D170F0EDBB5F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C35F7978-50E7-4D0B-B5F9-1F3495736A22
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
844B1041-480D-4DF5-A51F-553107B9EE32
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2A75A0C0-14D2-4159-AE60-77779F76550D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
6A1F78F5-4263-44A6-9790-16AB24D9813A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
75692EB8-22E3-4D26-90FC-270B859484FF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4A122D13-8127-443B-B65C-BB17B70E46A9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8563BF9C-3A08-4FA1-934C-B2440A8D20A0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1D2C3FD7-E979-48A6-97BF-568C0A798A47
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
EBA7242E-FBEF-47FC-B25C-A393B3423628
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
00BEFA6C-E1A8-48D0-8961-B6837D52C6F2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A46848AC-3223-4765-BD2F-080AD6A0D890
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F4D66C45-3001-4E90-8A72-21E0EA99B1CA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D4CE9E18-9373-45C2-A530-8FD55D9822D1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A2017621-465F-45EA-B99D-FAA8F56AE325
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7BC22941-1E5F-4555-AD15-4919F1835B16
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9CD355B9-9775-44FF-8C96-099B41411145
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
190F65CC-6C00-4A1A-97D4-BA5B6D26A158
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
85FA7872-F121-4BB5-ADC4-8168241E9EF2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
826C41D2-56AB-419E-98A8-B34013EA5B44
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
845F8DB8-48DE-4158-9D27-1E4672FA093A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8ACA4F57-F00D-49C1-9413-46DFA4EC52D8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
59014DF1-BBAF-402E-B7BC-EB4344FD7855
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C1A860CB-D99E-4AF2-BC64-673FFDD44C4F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
1266D906-86F2-424F-9DCC-893C8AF4B66C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D8995D73-E4C2-438F-B9B9-A0436C11F569
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CE9A5ED9-B539-4F0E-9204-4D7A44AA2231
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
6BFE03F3-91DC-413F-A218-7D3DFCED45E1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
490D0567-D4C6-46AC-9B3F-C12E8C7CFCD8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
6A54CB89-4153-43A4-BACF-9BF8BDF4211B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
286396C2-80AD-4EBA-B836-EC757526AE38
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F90BEF45-C348-4FDE-8096-E2AB5F6A9BBD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6F2C839A-E751-4815-A411-E94C30ED8A15
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2193FE91-C91C-464D-AE5E-83BB7DE15EC3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2B2355E3-3E23-4449-89B1-505F9CB6CD19
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7AC22282-35C5-4641-B9B2-AAF8EC089BD7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
AEEFDBB5-6D50-44C0-943A-4B70DD63981D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9654D5F3-0E24-47B2-A736-5CF44DDB63B7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
89BF0635-CF20-4919-AC5C-79ABD8CA692B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
BA1EE854-CE7D-43B7-A0C4-52DD6C41EE9E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EA0D55A7-C053-4452-96E6-049A801972DD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
3E195774-2E56-421E-BED8-EE81BE01C81C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0DC2E7A4-4EA7-4552-AA12-BB64E12F8200
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
EED56DEA-27F8-4E42-A5E0-5F46389BBE2C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C82DC16F-DFF8-4A30-B2DA-7C668AEC94E1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
DA1741D2-6C26-4DB3-9E04-A1B4CC2F2CE1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
29BB420B-15E5-4367-9BEA-1E5F6CC9D281
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9DE0EF9C-0E9D-4D72-9D5C-7EED39A07460
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9B25D187-F94B-4902-9A2F-0E1321F784A6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FA84EA08-029D-4F09-A2EE-CA14BD5816E4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
07DAFEBC-0397-4888-A62F-AFB85E2C796A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
23E5080A-82B9-4112-90EA-6AE8900EE08C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
903C7868-6D21-417A-9A6B-D002B5DEDA13
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
F9F703D0-6E91-48AE-9934-C447F9C31959
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8314C34C-90F3-4070-96AF-C2F90C0447BA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
820E2B4B-DB6F-46C8-AEC9-0133ABC41D63
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
83C37725-6B38-4A74-ACF8-813F6905DB6F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C71C6A87-9176-4FE1-902E-4516B8C20C6D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9D4DA69E-BBAF-4AFE-B646-86D9B8BE8526
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B8F3C220-D60E-4F9C-BE2E-7E5AACE865F1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
38E4E2B5-AE6E-44F2-A2F4-B2F23A238547
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
No
|
|
4465859D-28D0-4CC3-9396-FCEE267C8984
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7A7D9B90-FA8E-48C4-A19E-CF7763E53642
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E8E07AEB-3E0F-4816-848F-B093949120CA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
20B566C5-0902-4570-B0A2-798B889E0987
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FFE06216-5AF2-4371-939A-453037914D32
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
02303382-4536-4C9B-9340-5A53E386497E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
097F4F44-AE85-4426-B661-C3BA862E5C1D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
852F31BB-85E0-4280-B03C-599AB8E4189F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
56FC1645-945F-485D-915C-9AAFF26DF862
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F44DD410-4EF8-4043-B29C-A2422814ED44
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EFD48B4B-E198-4F2E-B36A-B97A793C000F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1F8511A0-5763-41ED-8127-1DEBA87E81D1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
64D7F729-42AB-43FC-825C-2E8CF69FB92E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
706D324B-6178-44A5-B1BC-932DB4613906
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
37BB0D6B-61C1-46A0-816B-CF8B6E21B350
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
97B1B4EE-9296-430F-ADCD-F05DC1B0C525
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
31DEFC52-1983-4F2E-ABA1-F405B360082F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E993B50B-1A98-4962-956A-3301E57D339D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
76D50738-63CA-4828-9D70-CEF4A8F77B09
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D60E6B2F-AE10-4699-85B5-95BF3DE351A0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
D751B61D-04F3-4F84-93CF-6C7BB96BF932
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A621D53C-788B-444E-9988-DEECF3B8A207
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DF5F7F08-24A6-4336-BB29-F247D450B790
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2C848A4F-7D5B-4829-A922-0F5CEDA8DC61
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
41291C8A-594A-4574-A6C1-AA05F0332C4A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DF57BE4A-C3AA-4454-B190-25A3E695D869
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
455D4C7C-4565-42DB-B613-5C361D10F709
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AB10E2D2-B499-463D-A427-47D92A7DFB3B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
488D8AA8-CC81-4D7C-B459-F65F46320429
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7CADF0E0-96F8-4CD6-B2AD-70363838EEC7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5460321C-F34C-4FD1-9748-B382C0163D01
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
C1AE9F65-E00F-4A4E-9C2E-9E4C0540652A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
21C68E55-83CE-41C8-B17B-7F325EB27A41
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
0FC827C0-8341-4F95-AAAA-25231EB4F516
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D1744925-1A63-4FBE-A0FF-E2586C53FFE5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
32142D4C-D341-4692-9CED-4D9FE3C25622
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
364B9B6C-155B-407E-B4E9-B6695D502B89
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
87B74789-28D4-4609-A065-FAED79293175
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
EEE62C93-1036-4635-BEFE-FA4FC894BFD5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
83B7D2C7-CB7A-495C-BE9B-462F11DA973F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BAD11A57-B413-4FDE-9280-7DC28A075F22
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4681A878-4A1C-4081-91FA-364EDF291F51
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5B7D9A84-C827-4D56-B8BC-2B3A510EBE15
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2C645649-6774-4FCE-98FE-4D9F95E3EDF7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1017DA8F-8565-4BB6-B9B1-6601586C3AD7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4C0A67CB-453C-49E7-BE45-74731D06E6FF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BCD84A48-9B78-4CE4-8D48-3B6EFE388E6E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F1950407-7177-46A0-BD8B-E8FAB5497395
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
FAE30CB9-FCDE-4032-B127-D8FA8EE4127F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
04AC6EBA-1FFD-4499-8E68-879010526FC7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
5D7F159E-7264-4332-8E6D-A8BA76B59D11
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1191DC0A-D042-49F9-B596-984AFE4A7F49
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
DB7A9198-84AC-41E2-85D5-6F85DFBD0951
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
69F56E2F-008D-405A-95AC-FAAE351122F6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A5E6C1F0-BB22-415C-819B-0572BB60499C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EFAADC13-4088-4D48-93CD-6722BB1C337A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
45C95F53-2E88-4B27-9026-5138218FBA47
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
E5D3BF54-A6C5-4F53-993B-37BB8EC69E0D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EE9FFBE1-CDB7-4190-A4C5-9D023664CE9F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8F83DD5A-E5B3-4A64-ADE6-008BC1A56853
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
C3AA0A2F-E766-46CC-B665-8D86809C31A9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
653A932F-5371-4F0E-A0CC-A9174575C146
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6B22BCF6-D6CF-438A-A6B1-E2DC425F35E4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C4CA9883-C51F-4276-B10A-C5C4352880C6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E60AF7F1-EB13-4BC8-8700-3D7802CF4A68
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
43D73DC4-CEB4-464A-AE8A-12913191666E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7655B562-201C-45F1-89DD-FAA75BEE86AD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8D67D8F7-E2B9-405F-9A25-9B4F2402ED12
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
A864B117-641C-4DFB-A976-89625E54B256
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
2C44CCB9-58D7-40D0-9310-400FC14F5880
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
907B218F-8072-43EB-9A75-BA0235DB1045
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
273E6A06-19F2-4A2A-867D-3FB9913857B6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
4C4B6B6A-09B2-4AB3-9F4B-DBFD8E8FEEC9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6106D22A-5A9F-4822-8174-B175B9E5A898
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
879774EE-9666-4C6F-B3E7-44B0160E24FC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D084F1B6-D754-44C5-931B-3DC8FBB4CA83
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
0B27F171-B863-448B-AA0C-4500642042B1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
3C38C8FF-40A1-4653-8A13-638511A3F7FE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B883CAA0-36CB-4DE4-83C1-5C43AFA07B94
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C0CD49C2-AA4D-4B36-9231-3DCAA142B9D7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
492663BA-9B63-4DBB-AB89-359F2E5FF79F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6EDC9EF0-C91D-4090-A20C-47526A9C4354
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2B2D2D0C-3426-4C7C-9D67-4872039EC24B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C1FA2814-6B65-44F7-85A2-83AF7C25FE6D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F74000A8-D2D5-41D5-A7A3-A1525DA9D3EA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
413CF886-F6E7-4F78-912E-FD6CEE45B80E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FBA043B9-A241-4C67-8A93-FC9EBCA97006
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AFEA9F5B-A0B8-439F-A036-9921D31BCA70
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
No
|
|
28BA1695-2343-46B0-A42C-C3B3108D2B10
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FCD9CB64-4D03-42B6-A651-A370C24BC667
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
F8849FD1-73A8-4B51-9365-6930503435DA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
05B38871-497D-4E3D-9369-6D793E092D44
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
50456C7D-8EA9-4B78-A404-40FA0D6D48B4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5E538C56-D23F-40E5-9E26-0E2CB072999C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
91813E51-6F20-421F-8C75-DA3E2E1E1884
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7FF923ED-E91A-4B0B-88DA-91423FDB5A12
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A4CEDFEA-13C4-4DC1-9D38-28B688563992
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B12593A3-0A06-444E-BA39-B36DEAACA139
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CEAE5746-B919-4A31-B03B-8953DDF8B6A2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E6A06CD2-35C2-4C33-88C2-AC6AA5B5B600
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
564F222A-0B9B-4092-82EB-193A65B145FD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
B775F683-251D-4B92-8F50-C9D120BABBA7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
67684E17-03DD-414A-BFE6-C597D1DA5277
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
5B8577B4-0D21-4D5B-8243-5C7AA5822912
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
663355FD-6AA0-4D3A-B84C-0AF5A262D9F1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
620500AE-F39D-47EA-946C-7FE849E12EAB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6E8B32A5-B915-40E0-A7A1-868F232EB7C3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
7D3F941E-C69F-46D7-B356-BD713FCB03B7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ECEA1029-7A0F-4E1D-AADD-0234FBB6D3BC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7643A71D-6347-48DE-B363-6E2EE068A8E3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
86F12E86-B6C5-4CDD-86F7-89CEE090ED09
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
15D26341-8308-4EE0-ACFC-FA9DAEF76D8C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
53554192-758C-46A8-B5E3-B2BA3E3A8711
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
96E723E3-C4D5-4843-9D1F-E6FE37C887D5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
84499485-4B02-4AD6-997C-559B1FE0780C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
02D2A66B-E9A0-4BAA-9242-4C6547256F2E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
E98518B6-2A12-4779-A85E-322E324216AE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
78537120-0B5B-4E59-8A3B-AC40BC2157DE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
D31DD34C-2FE2-4C50-AA77-FA71F5B3E554
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
113EF640-717D-4205-8388-762827699AC8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9F6692ED-BFB1-4E4A-9064-9E3824A81888
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
965091F5-C73A-495D-AD99-88E2D10830FB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
B6746361-D199-4D77-80E2-8DB720C843F4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1896B9CA-F389-4C25-BEC9-1FBCD765AA24
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7097C43C-067A-4FAD-8030-3875C320912D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
650F2271-C189-45D4-A1FB-9DE9AEDAD593
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
65FC20A4-6191-4976-9A6B-1D2FF2975A78
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
353EE551-D4DE-4FF6-A60C-3719513DBE42
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3C5CBDF8-3296-49C3-AED2-94E306DC6E7E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4338F4C2-961F-4C29-85AA-C89E6F48DBF7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A6F3685B-8103-4203-B45F-40A2A16ED46D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4771472D-1466-4DE4-9BBA-1C4C88AED88B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0BA8D701-2D6F-49CC-84F5-951B5A74B177
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4D324C9B-81C5-4B3F-A56E-16A6EB626BAE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3452D02B-2549-4998-AE74-1258FA7FBF92
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
369B9AF6-6DF3-475D-9B12-370EF967547F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AC16F442-3271-45D3-9438-6CEE4E5062D8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C7E02723-2AC8-44BB-A2D7-35999FAB6C1B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
542D5A0C-64BB-4314-BE4C-4CF005199FC7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F434538C-0860-4F7A-80B7-B00F9E1FD4B8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
66417B4A-6390-4D77-88E0-E62CD75E05A6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
6039FF60-5BF7-48B2-8DBE-EF75F8DD2A6E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1BD4E350-293E-4E35-87D9-22AF54043F38
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2D870980-CF16-4695-8FCF-634A88A7533C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
638BFBE5-A32F-45BE-B8AE-A71ED7A50BAD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2D0FB219-BB1D-440E-AC6B-0BCEEF223F76
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
95EC47C4-1D6C-4C12-A4FC-8B25E042B7E1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5AC6873D-2A87-417E-9D27-D6BA14D65990
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
67809244-6944-49F1-BAC0-5C37958CDA8C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
624B2FE5-CF69-4F3D-9CC7-7541F3F82068
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
165A3150-FB93-41E7-8AE6-D726003EAD54
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
65F0DB27-C8DA-41A5-BA9C-883B1C44EE19
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1F5B646C-F524-4FEC-8062-E6FA804E29F2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
2570C7FD-7F15-457C-B02B-93A750648367
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2CA11F19-8E53-449A-A617-FC9434AC3605
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
CFA5E900-E662-4BFA-BCC4-3545C137A634
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
8EEAFE9A-EF0A-4549-A497-780FF0808970
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
E9C4CFCD-D0F9-4226-AF58-14FA45F1FAC5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5CE37AF8-FA22-418C-BBF6-B2CB947E4477
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7F5813CB-A4CF-4852-A8EC-2864F35DB854
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DEDDB508-988F-40FF-B506-4CB5F10CCFAD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0C6A8AAE-AA4E-436D-99BF-14504904209C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
09C20B32-D9ED-4CF4-B732-F7DFC21B2DB1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5F0DC0C8-CECA-4495-89FA-5676EDCD0AEB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5F145421-1E23-44B0-ADFE-D0A9249D6669
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
CE45EEE2-A940-4927-B6D4-E9F3FD4317AC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
42205730-8252-4267-A382-9391371A2831
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
11CD72DF-3C33-4C2A-B7FD-E11387301A45
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B1928F54-986F-4F62-99B3-1E99F33BBAA5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
F3C52C54-018C-48B0-9C67-A5882DB3065D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
52E8E813-6E9B-43FF-8F80-487E6482ACD0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8169B08D-0B7B-49E1-8D9C-C7E77852F2D5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
F669D532-BA38-44E2-99C0-A669DCB13D4C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5B51868B-B3EE-4621-A5FB-3164A7E275C3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Not Applicable
|
|
EA79DF97-51CC-44AF-ADF2-848ED543D05E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
366628C4-1303-41CB-B8F3-75843BD9C3BD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
AA01801A-868C-4608-BAED-3DDBC16F98DD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
E1E8F9FB-74B4-487D-8CDE-2E874D4618F9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5E3C36B7-1AA3-4B77-9286-9FF415B703B1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D7DBE4A3-D663-4301-873A-3859DF33F683
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
8E5816AA-0D76-4840-8E1D-F2004C758EAD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
CF011CFA-CDB5-4172-A1D0-4B69074CE81C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B74C0861-82A0-4C99-8488-C0E829DD6B30
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
BA20D929-5AD9-43E8-A5FC-29E552551B7E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
730BF1C7-1C13-463A-B607-AAB3960248AE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
47BA7D8C-A2EE-4D84-B841-28827CAC1EBE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9481E41C-9F30-4FBD-A248-0270A7BC42A5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C0CB7AF9-7A6F-43D6-8BFB-ADEE22291F49
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
93FE610E-FCCB-4202-9CE0-E34BECBA0DC8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
DBDFB0F9-97A7-4B9B-AF53-4CBA6510B1EE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D930DA07-1F31-45B1-8DCE-BACE2CDDFFFA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
35C03F5C-708C-4DDB-B180-180AFF535C3E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A789D5BC-2571-4A6C-B246-9D85D0936E8D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D3296FC8-6285-4C58-9177-029122BD36DD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2C5D1BC5-6301-4402-AEE7-E7FB8722392A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FFC64FD9-68E7-4B11-9143-1FF7A29A1818
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
8D2F143F-5721-479B-A701-1A7E153C4422
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
80A7FC4C-EA75-498E-8F68-3C50DFD8C646
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
A621DCA7-7EC9-4D44-B059-5BE20CEA1A45
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
95AC67DE-F053-4F3E-8D20-B4206801EE33
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
5B9E5F56-E57C-4D90-91EA-D7DE0BE86DA7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
640D801E-AFE0-4810-85F1-9A3A26CF88A5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
52179384-C742-4918-A0F7-F8A8C43D2550
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EE87C856-4E71-481A-99A5-8931A64CFB66
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
56D0B305-07EF-4187-8F56-F5A239DD7EF8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
D15512D0-E520-49AA-B1A7-53EBC636BC12
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
25D25881-353D-402A-8FE9-5339C8AF0046
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
622E9C2F-97DC-4710-8361-22738FB7B727
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9CCD69A1-D574-4BAB-8D93-E5E8B4387C5D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D069AC19-20FA-41CD-97F9-ED8ED8F5C9F8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
DA88F97D-82CE-4F07-B0B0-4A46688C3A36
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BA6E05A6-7DA2-434A-B7A0-3F65ACC1FC89
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
37C715E0-038C-4144-AF9A-8DCF3C820882
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5353BE19-3069-482D-BCDB-FA3490B18F57
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ECF499D0-C2B9-4AF4-9E9D-8BEBA7973647
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
660DDBF8-AFE2-4948-85B2-31AB684D8B6E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9D95C139-FC01-496D-8052-508D758400AA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E0B420B8-2D85-4A47-84C8-945A2871DC94
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7E814DEA-1A7C-4AF7-93C4-D2D817B5F861
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
23C1713C-3B0D-4F8C-803F-9DFABF10B51C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D3FFC56C-4A48-4E7F-A645-6A6C0F5D6216
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CC6A15E1-125A-4E52-B9DE-57C2EDFB195B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E66DFBF6-BF01-4679-85DA-BBC1503BA29D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
F82A9FA9-B892-4E5B-9F3E-D548BCE2BD26
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F96F839F-C5FC-4E5E-B3E8-386116705A40
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
538BB53E-14CA-4113-A0DF-C1C26C918696
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
66CFCC6C-09C2-4B92-8988-CD8B663B7B5A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F88CEB97-D633-4FED-AF78-D135D8657DAD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EE71C591-E042-4FC2-9398-3442ADB36EE7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
26F3F5CC-F9E4-44E4-9F13-B4609625AF45
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
F1F5379E-9AFB-4670-888E-609473BF4662
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FC84079B-C62E-47AD-BDED-2C1081CC88F0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ACA65084-2E6B-44EE-9DD8-4FFB30541446
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
268ECF39-8469-4F5D-9400-BAA434AA2B91
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
70E2CA7B-6430-44C4-B334-9130CFF9E52E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EF6A129C-7494-4E77-958E-1887D941E1C3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
076AA8AE-DC13-4593-9F01-C08F9F57B4AB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5E8B5BEF-048D-4AC9-86F4-67D0981D1D34
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
AD128B59-4524-4B77-8D97-9CCAA6591C65
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
A6E5345A-57E3-4554-90B4-5FC23E4660AF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
86E7FBCA-7FF6-4540-8A7D-BF659D37C835
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
77685A79-32B5-4C39-A733-654508EAABA9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9E40F7A8-C6A8-4C97-8C5B-523F5021078B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
91CEB2B7-4FEF-4296-8AA6-9714F6BA982D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
CEBA8CAD-C931-4161-8638-89D083FC0DBC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
E694E382-A4B7-4F59-8625-90CB0F33E17C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
D9E9DDFB-846B-4333-B374-9DF7A01BEF58
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A81CD4C2-F470-4770-A57F-29E4D1F3202B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
0B2F0340-9C22-4E7F-85B7-1461E01E79D3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8D81945D-7B77-47B1-8945-08A0721B7FF0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
FC3B945D-4B83-448B-8B7F-AF9AC9A8511F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2FE0D51A-20A4-4423-9E6B-211C0F15DF06
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
00F26010-0578-4358-B2A7-B227631114DB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2182B8A8-AF9C-4AC2-8CFF-33E4111E6EBF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
A2269E57-2BFC-420E-8DF5-989F1FE907B8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0F665174-FDAC-4C46-A6E7-D3C990995072
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D0017917-7B44-45E8-AE95-3300B9C7C030
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
46152282-E6D8-4354-8DE4-C8C3290B886D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
380946EF-996E-4F42-A1AC-21C1B18D722B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
68EF77C8-8870-445C-92F2-01DBA79C13BD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
988BE00A-E6FB-4762-AAF8-4D6E3DAD04F0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
62CB60BC-9E81-49C2-9C84-F488BC97C164
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9B00DA0B-B58C-4A21-8E4F-BC66018DFC96
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
109AD0C1-8E79-422B-AC2C-D2DD97A028CD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2CBE0A25-93E7-4A3A-8444-4E0AA5F12547
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ACC7988E-665E-4E02-AF1D-2114BBC5E6D5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D780D5EB-73BD-4EC3-BCDE-A7C453C6DCA5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
B
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
D223045F-9546-43AC-B7D9-F2F2EEC07768
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
576C1DCC-ABDB-4BDF-86FB-D79903F56F40
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
77C7EC0F-3210-4E74-98A9-B98AD93882C1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
A034D1C9-2409-4B5B-83D7-211BCF238B6A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
72037407-640A-46A6-A2CD-2CA99D36D746
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
F8112EB4-D396-4AC3-9222-BA5A9D2EE6CA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DC6664E8-D1B5-4340-9CEF-2D3FFCFEF9FD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
799B30C0-580E-4B76-9254-4B0C59C87ED8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
791DC9C8-3133-4057-8454-D79DAC72CDEC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
08243E57-EE75-4997-9116-6A0525D0155B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
46347D24-64A3-42A4-9BCE-A1DEC841431B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FE7D7A5C-0232-421B-90FD-50E17C31DEC9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
5AB15EED-45CE-4CB1-96E4-AE0EEABE7648
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E0898AD2-F44A-471A-AD1D-79FF1C7BA7C1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B93D3775-98A6-48A9-8551-354775B0DE53
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
EBCC9063-A0F5-48C1-8A6E-2FAFCE3E086B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E4EC9E6A-91EB-4586-904E-7D33B06350E6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
82166D47-6C00-44E1-89B6-26364748041B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
A64139E9-3580-43F6-B768-E6DAF5AAFF95
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
7F7D8DA8-787A-4CC4-8D7B-F0FDB75184CC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E4BC25CC-3CE4-456A-B412-9B36A6E6ED24
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
103AC07F-8286-428A-98A5-D20514F374D1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
B65CB1A5-B0FB-4470-B96F-100F362E33FB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
BEBF3347-3A5D-44A7-A3C0-B17D99B4D227
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
28ADB12B-2FFF-46FB-987B-7BB532874643
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D20A1FC2-78BA-416A-AB66-0DB699FAFF7F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AA484267-6D6A-4FCC-9F8F-9509FBD01E15
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9BD9DBD8-91E2-4143-957C-975A88E85CF5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
836C7141-931D-45D4-9E25-380DD30ABCC7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F9BC4456-4B9D-49CF-A1D9-6E584FEF4C26
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AA378C23-BB6E-46D4-A9C1-C29759096FC4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
85267E76-268A-422F-B46B-BF8A6B2C8726
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
30CAFC57-DB30-49DE-BBB0-97B45A5E094E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
12127829-C909-4625-9F5D-0B951260E46B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
11493578-1938-44C4-BABF-4D28B3714927
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D8052425-C7B7-41AB-8880-29E1CBBEE54C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
522BF052-E77A-4BD5-B682-5F1540833346
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
28EFDF6B-1D9F-4E68-9D19-391D4AC86911
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C0C882EB-B845-44B3-98B9-60F89A913882
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B63B1EEA-DF01-445E-A84E-35E070BE9394
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
BF6A04E9-5906-45BA-BB68-3DF520B30EA4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
0A2404B7-AA79-4370-8954-8A8EF7C558E6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
3BFE6CCF-51C1-440F-8DFB-59E53016756D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
974D7EC6-4046-4AB3-98C0-C867694B8F3A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
C0FF7A66-FB73-473E-8AE4-7186F81FB3E6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2D013D84-633E-4034-BCD9-86DA7DAD150F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F0345BA6-53D3-4363-9018-FEC1474A2DCB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
E698B8A7-3F96-4E4A-ABF5-EFF922BF4E3B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CD1917EE-3ACC-44D4-91F6-848F3AD60B40
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2DC11997-CF54-4850-92BB-A1523E7261D7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C9FEA145-EECF-40C9-802D-BE8AC6B9B6E1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
D68A3197-9517-40C2-B9FF-72C136F1D7E7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CEE5EC5D-CFA9-433D-BB3A-E088BFD72A8A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
947B2515-611E-4CFB-97FC-1997B8D4A751
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7DD53961-8466-42A1-B3F4-9C98CBD15DC3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D745235B-2B11-4AF9-92B1-C34D64FDF8E3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
No
|
|
059E6285-60AD-4BC8-BC48-A5EB8FB886D8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
33342CAF-9855-4603-AEB0-9DE586962581
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4E31674E-2D07-4AB5-9B31-E7D33D5BDA56
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D352DD51-F299-491E-AE50-4654BD6B6C93
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
12D9E3F3-3DE0-49D5-BAD5-0FF247CC317E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
3BEBEAE1-6096-4494-B02C-AAC0C04B7475
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F1100699-5E26-48E3-B1B5-7B043FF542DC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D466B640-D2C5-41C1-A55E-2D316DF39C40
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1C318FB8-7570-4AF6-9639-E340B67281A6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
C0C1A4B5-1B41-4F50-B062-9DFC622ADE1F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7AF7411D-4AEE-442F-AA7F-F293A48DDA83
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
87B5CD33-5780-470B-A6A0-3C62C285D6B8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C64474B5-6335-449D-822A-43FE7716F9DD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2F67206F-C3CE-4ADD-B76C-49B3E63CFD1C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E34A7D25-D931-4A22-88AD-BD188867E704
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
075FA3E1-D7BC-404F-BD34-281965118FC6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
181ACD05-CA17-4094-8D17-3390CEA6C7B5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1C7E6B49-436B-4DCC-B916-15D0D9D161DE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C7A13CE4-7D75-475A-90BD-39A16979A40F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8F4B1AC5-F44D-4C3B-BC20-635C6D7FB39A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
0FA3483D-A5F7-4F96-AA0B-06C37E6A79A7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6AB29995-CE42-44D4-823F-E8366C438B9F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6938D099-0940-4A35-9BF4-58B4969C4403
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5384A619-9D57-4819-9951-716580505BA1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
D2FE8036-791D-4405-9A07-EC42357AE9D0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
65E6EC36-FC14-40EC-A6E1-D3FCAB84A8DE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
874FB1E9-A815-4091-A1BA-47CE1D0222B8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B181144F-6CA9-486C-ADB6-C5D55A4BB8B8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
E4D6F49D-476F-4687-90EE-18B2D9416CB4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0A3363F4-BC27-4EF9-BF98-694646DBFE7A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0C22DC62-F880-475D-B28B-694E8806C5A2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BA27D571-3288-4044-A9CD-BA3DFA00C4BF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B808DB77-5E82-4594-8983-BB78766B9EF1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F6272501-FF1B-4CAC-B4AB-653EFB8C89B8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
7C47CAC1-E86E-467D-8181-D8120D6CE952
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A2CCFDE1-941B-4221-A7B9-E019DC8618E4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6D9FF5A2-F3FE-4E2F-BD33-F30E16D4B85E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
78C4FEF9-A1C2-434F-AFD9-D48A60050F7D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BA10FB69-0305-4DCB-B2F3-48C8D5815B39
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7B06C26B-9335-42BA-AF0E-97FF4BE154A7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DE566D08-B9F2-4E73-960C-ADE884322161
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3D0E4494-9FB1-4F00-A4ED-6483C1147816
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C8295DBC-E408-4335-9716-453DE478A9FB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4C478052-62E4-4780-92D8-965C4E562646
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
DA985E1E-2EB3-40A0-91E7-9986EFDAB5CD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5AA1DFA7-0A58-4287-AE40-F9CADB126BC3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
95DF8335-AFEC-4A36-92D4-317ACB0D4DB4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
1F450277-30F5-4737-893E-689529A01CB8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
672562DA-CBC3-4010-AFB4-01B28AA62328
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EAA6F56D-036C-4158-910F-5ED079ABF1B5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C08C982F-6696-4B46-9694-BBA80910B5A9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B2BFC1C3-53D6-4973-BF66-30D4704A21D3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
61CDDF8A-DA11-4427-B8B6-BD1558EC3F46
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
31353159-ACAF-48D4-932A-F09263441145
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
85CC99E8-F37E-40A5-830C-702F0E7D05B0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EA65A9E5-6889-485F-8C85-5767E6B4F1EE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
82B0EF2E-20F7-4BEB-AD46-4558FC1ADC7C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
72C84A4F-1714-47DE-B04A-120B9599312B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E1D27B3E-AF9B-4653-A331-83BC7CF0C399
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
0F92F0F0-E418-4F61-93DF-A4067C1F980B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
3ACDA53E-76FF-4D98-8A69-FA2370B4D98C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AF9F2998-9C8F-4DD0-BFFA-361B740B7354
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
0E538532-213C-4185-8A4B-C87B2035A4BA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D7BA947C-455A-4302-85ED-E2ADB6B29DB7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F2C2A260-EF07-4F3B-B155-88FEC21206D6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9FF4100B-5FE8-4799-8079-DC574147FCDE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
61DE4A95-4672-44F0-968A-EB4EE882602D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C8722C43-F918-483D-A95B-3BFE05644809
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
23D6D4CB-4E9F-4A75-BB89-7947A11C2C57
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
36E52A9C-1A91-4194-A075-4925F24F6D51
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E0777AE6-0954-4B2C-95DB-DD281890D824
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
361CD5CF-FA37-4B9B-9ABF-929AA46798E1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
668D6AE7-7E56-4887-BC4F-863ED4B25C17
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
No
|
|
429C6B8B-7A54-404F-9F02-B3CDCA7CCD87
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
C1E5AFCB-CE0F-4505-99D5-8918E1ECE441
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C295BD23-7C90-4635-A671-B379B0671A65
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
47CFE244-6BA4-4618-B1A3-19A09DE7B9E2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
035E48BD-775F-4E01-BBCE-4234E2362E95
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D22D4B78-E057-4EAC-B23E-39B3DFB35EBE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
A8CBD848-CE98-4F95-B375-BEC6DC2E0EC1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3A41589E-26ED-4E73-9DE3-360AE9C5187E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ACBD8D23-FAF7-4DBA-8548-012CB58C5CF3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7D48467E-DFBC-4703-A007-690B3A76A62E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
9C15FFF3-3B2A-41E6-8FC8-62C345A209DF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
45A62CA6-4060-4BBD-9E35-2E1471EECB29
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4FCFE92F-8F84-40C5-A4E6-614D7FF9508E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7C581158-7C37-4AAC-8262-B0A53E4381AA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
947406E8-C838-4112-B028-60ADE5E3A426
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
210607B2-0232-44D8-8E56-0E51310E89C3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1C7746DF-A063-4EC1-89D9-6A9E85DA88F7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4E53E4F4-6B15-4957-A2FC-76426DFDF06A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
067DB0AA-24DA-430E-B0E6-103A0A762B32
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9B6D6762-6801-463A-8E51-92A4ACFCACF2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
739BAF72-3A7C-4218-B4B7-3647BF3F8E2A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
40087E15-EF6C-433A-A225-6E342E24F77A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2B7A4068-52A0-499E-BFD0-F0B6269403F5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C7B946C8-6B1C-4B8E-9D67-236D5D8C95D2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
999E6185-64EF-4F9B-B5D2-834F04F77A12
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
71FEE892-0BEC-41D3-B782-8EC6A06F01F2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CB3533C0-FC49-48D1-A6E9-A972793BE072
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
DAB9AB99-EF2C-421B-B465-D81994D0F41E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
84B1AA28-CAE6-436A-8CFE-E22415F02AC5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4110196A-A14D-4D0D-8B2F-012ED3E72DEB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
54A4AD1F-C3FB-47C1-BED2-702D08E26CCC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
4395F00A-952D-4EF9-9F52-27CB7DD0B666
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
37A272DA-5AAE-413B-8BFE-11B39AD85BE6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6726393C-66D4-43C5-A7BC-18285F27D74D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
4BAF5667-16C4-487B-9ED7-594498D84E8B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7C3E5463-AE2F-4414-B11B-084C4E76D82C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
2B83026C-8ECD-48B3-9BE4-530AC28F0599
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
867FA110-D8EF-44FD-A276-BE671336B64A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
83761270-248E-452D-A797-E5C1F458240C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
07EBEFC1-D543-4162-83F8-9527AF41C50B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1B13E78E-8657-456F-AD37-64B7C90AE397
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
98F46048-3663-4AEE-8D44-3B1A85454193
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BDE23228-94DB-43D2-826A-A22514034FE9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E1D22B97-1100-454A-9588-CCA317AFD5C9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
8D81C9BE-02DD-48A8-9D86-50114A82192E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
65EDEBAA-8CF5-43E1-8510-A7A173C26E93
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
D9EFC561-DF50-4EB0-98E1-8EFEC78A412C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
EA2BE7A6-5088-41CB-BFCC-9423DE5FBDFB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EDE95D65-866A-4908-B7D5-2929E42FE714
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
395A099A-1125-4C04-857C-58C584136E68
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
F5739DBE-0C3D-4F56-AFEA-658422019E5C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2EDC111B-0132-467E-96AB-81A9F2C7C448
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4EFE7294-078F-4AEC-8AF8-1DDC8FC7AC23
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
0C8AC779-4467-4856-95B0-C3D10F7A43EB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
3398F415-C7A3-4DA8-9933-045BA7437E5D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
No
|
|
F66A2D74-A383-466D-9DD4-5734189A8CA1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6B3FDE57-6E0E-414E-87BF-418EAE7C2DB8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8A572B61-4219-47DA-B5FD-112FB76245E5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
9D2B15E4-2586-4A10-9EF8-DFE9239842F2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7174C8F3-AAFA-4990-93F0-550AFF227FF0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B4056297-871A-413B-9108-575267D0DB8B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FDC515AC-E012-41D3-B058-C6B34F73C35F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
37DD2C3C-1D9D-4DC6-8C55-A5295C3C068A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
No
|
|
AF2008D5-3BD2-4E14-AB64-2DED7C85781D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
456D8990-F7A4-4F11-9D43-E2BAFF9783C0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
EBFD1F24-2853-4FE5-888A-D9F8B629A600
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
Not Applicable
|
|
A95A1DB9-4B88-4B9A-AF6B-29EF604FB739
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
57203CEF-E0C3-4A9B-A324-1C52E01C4DFF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
60FEEA19-2202-44D8-9375-4B1A47A2E6FC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D22207ED-0509-4267-9AB9-75F52FF2AAA4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9F26B20D-2AA3-43AF-A37B-219DF013DB2E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
55CCFB44-EC6A-4CC1-95AF-7C07EBE88DC1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
48D1BBAC-E79D-4769-A3BA-895010B0EF3C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
FC75B993-03D9-461C-9FC6-1412A4331C9F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6E220778-69BF-42E4-B3AD-BE1E9DEE6CC9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
F31E5725-0A8C-4371-90B3-3AA026A6ADDC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BCC4A45D-06A1-49DE-87F7-EC01777AFA16
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F0290A2E-EAD8-4051-848F-D57448A7C31E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A01ABBA6-5246-4716-BF1A-223E04E2277F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3F5BF389-7F47-4A6E-9407-505A03EB9FFB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
74EDFB1C-28D1-46D9-AD9E-F3A74989060C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A1591435-E4C7-4968-8361-98E071412C3F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
B0B7EF87-414D-411C-A57D-1889279F2A68
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
132D2FA0-F096-440F-8975-EBC0AADBA434
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
898FA832-D9C6-4E1F-B3C8-1F4753CDDC6F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
01317567-2D5C-4209-96A9-94C68DF374B7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0DCA633B-9A86-4D75-9C93-E304206F2BE5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
2E337559-AA18-404D-A6C1-175F7243B6A8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EF326B06-BCEB-4675-AEF6-C5DB42A51864
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
3B07E358-789F-4FB4-913B-B820B7E962B2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F1DBF13C-F9FB-425B-B3F4-629756AC7729
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
1D116DCE-ACF7-4300-8B8F-C640A64EC240
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
AEBE35E0-2489-429C-B16E-B8915F60F88A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
DC7B5192-7FB1-4E25-B8A8-82ADEDB9BBB4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0CB64069-87D3-4519-BF06-F678D83113FD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A18C34B1-1427-43F0-B35C-F4C855450CFE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
8F20334E-3B54-412E-8326-033191FFADAC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
348A03DA-35C7-4208-ABD1-5C52D34E852F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7DF0F11E-9767-4852-9C03-C855F5897FF7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AA683EB0-DBD7-446A-B241-78560DE3C7E8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D4C52995-D5A7-49A7-8C0B-42D9AF2BF930
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
E5581914-FA55-497D-A841-9C5259D017A4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
861FC067-773D-4CCC-A121-9FC4D669EB8C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
C63A2B77-A185-4C65-8531-E8E4D27DFBF5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6383E037-92F3-4F77-929C-F244938167DC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
E30ABCEB-65EC-4532-B3BB-6DFD6433E4B3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7CD24C9E-6C5E-44EF-ADF9-C31931FBEDC6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
E234EAC6-DCB8-4132-9B17-D27E5B639A43
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
EDD4170B-0C57-4E16-8C32-AFAD862389B3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E26E2740-F731-4D03-9991-A6D86A6DDE71
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4A9432A8-A521-4CAC-B383-B51FD4BB1CE1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
69931CDB-A404-4CAC-A8BF-4B4C0CEE3A1D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
3CE7B685-873E-476F-BDD3-6BF9FFB073A3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
80BB7271-4122-46A5-B316-1313D4A62A3C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6B2EF421-8CB8-4360-BAC9-3710D7AEC9F6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2CAA591B-F97C-4E47-B53C-8439143790D4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BC76AA1B-6200-4A9D-9133-8DE8B3A4595D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
DD640A53-B9C3-43DB-A01B-8D4266708899
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D266087C-D89B-4FA4-A457-CFCDCAB19471
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AEC05197-8B1E-4831-A162-F2A68BB3284F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
206E06CE-88E2-4BD1-8638-AB873E4C595E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
9492F452-F2EB-4FD7-BA8B-9082A518CA51
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
B8B103A9-99D9-4D36-AD9B-E3ED48F55FE2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
183907EA-C929-44C3-A9EF-0E0A75EF92D3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FE66205D-B697-4849-B585-5C0C9A035814
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
B8FBBAF8-2152-4D43-9835-C8D0701A7EBA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1A3C2F37-54E9-4FC0-A569-2EE67D8CC203
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
87FDA7D8-BDFF-4286-9E0C-7FF7E7E061DF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
275DA83F-4ADA-4B53-9DD6-A9A92A2DA14B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
80D0AB85-EC81-4F7B-8535-06C856269EC5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
28B5916A-2943-4FD7-8D9C-D87B632145CB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B8FDA230-0BB2-4B7B-89FE-180E247AA72E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C2348701-4201-42F8-BD05-0E56AACFDE78
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
ED3C7A35-F3DD-47CE-9892-F7DDF5F1D32E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B4326895-8988-48F4-8356-B01D4C8858B9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
D3E414D4-B242-4F1F-A2DD-697081F04B1B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E7A24956-0717-40E7-BC25-E64D8863A86B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E4F877CF-B525-4A24-A8A8-C029E50D27C5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BB46181E-BFB0-4E05-8781-56745907E3D1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
7B399A59-8407-4D95-A176-B6B63F937177
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
29320BC8-68B4-40B8-86EC-851C298383CE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
0E7B0A39-C6F7-4907-A374-415DBA437DFD
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FCA31439-52D4-484B-B057-AE85933CA125
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
73ABEEDD-6A3B-4FAE-899B-A74CDF8449B8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
9317DB91-3445-4E4C-A720-16649D44F535
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
41543744-03A7-4BF6-8420-5FD7F4ECA2BC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BFBDC6FA-BCBE-4241-AF85-2800BBCD5BF5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D302BA6E-95AD-4611-8CFB-9BA1620000AC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
75B41382-62B7-4BBD-9E8B-CC7B19DA079D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
5D07C282-12D7-48D4-A85C-8AF6A06819F7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C5E74BC9-073B-4B10-8138-018D6D7C583E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
C5869910-BC5C-4B18-9ACE-52D8C75491A0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B00E5052-73DD-4F6D-8653-D3F782DF5EC6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
7BD11067-8043-455D-B523-63990A98473B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C5ED77B4-7A6E-40B3-AE3B-5116FD987AB8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
C91CBCA3-D296-43A4-9164-99AAF99600C5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
BD2479CF-7F78-4454-AEB6-B0557D455726
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
68487BA0-43F5-437E-951C-9EE8DA373E8E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
026C3FD7-DD1C-4C20-AFC0-1EEFEAF8F5EB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2A2041FA-D254-4768-B326-897778E6684F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A3B9AF7E-6D86-4FBC-AA64-1AAF7336D5A4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
19405EC2-CDC5-43AF-A7BD-807911A3C4C0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6603F951-88E3-4332-9A06-AC36F4E5384F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A7ACBA00-0750-44C1-B61B-30AB0A2E7042
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8D44E94A-6774-4B8D-B958-A5C6B8AF2428
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3E3067FD-CA6D-432A-A9E0-E78E27E610E9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
20228F97-CDCF-4434-AEBD-254F5EB358E0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
803FD1E0-FDF9-4428-80D4-A54F6AAB6A49
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6E63C49B-3C11-48F7-AD60-2ECC253A0B7A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F26910EF-8F1F-4682-99AF-73DFFF81E178
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B195FE8F-7AD0-4A0B-AE26-557EBD90CE98
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CAB57EA4-F7C6-4921-A4E9-6988EF18D142
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
522F6F49-7756-4960-82CB-F8E87287ED40
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
E55BF433-5DC4-4B9C-B366-196216AAD237
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
49D65AE6-07D2-469A-A609-AF2292275847
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
56FA3BDE-2A05-4186-A030-1EC9085201AE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EFD0932F-62F8-4A3A-9505-C18CEEF2038C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
A46794EC-98D8-4A2D-95FF-D2209D4093C3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
93823C37-C2A7-4EAA-9090-C6EB404ADB53
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
4F7F12E4-E421-410C-9384-E8326AAF39EA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
F1B1F0DF-24C7-4A3A-B5B5-9E1125FBE0FC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D7BC54DF-E726-49CE-A0FF-1CDEF7616956
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AAAD690A-35FE-4632-B320-D2706BA266D7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A1E9C0F8-E2C7-4F69-83DA-B50BFCC5DEB4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
F3F222F4-2B54-4CC6-B562-2E8EED32DB60
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
145BA00A-B1AA-477B-BDF9-6DB661361A7E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
772FD7AC-1798-4EAA-B074-7CEC07CE1EB6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
8395E84D-7B09-4142-AD96-28B5F1A6ADD6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
BF4E78F7-4833-49E4-8A3A-8372661218C8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
BDA66712-175D-4277-AEF8-E96063C33851
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
35A918BA-37D3-40B3-8705-563E98297C41
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
57F4A650-CF3C-43F4-ADC6-F7E9757D7B64
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
308EB267-AD3B-4752-AEEF-36486073CFFE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
6A2441DA-3359-4D59-A69F-1463AC520A40
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
406CD939-51EE-433E-8455-771628373AB5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C58837EF-FC80-409F-95B0-CC34EB2AFEC7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D599A7C7-E9E8-4792-B735-E6D062AE0F94
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C08A0CB6-E3CD-4D44-AE0D-DC65F0CB7EC8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
46446F3E-1DE8-4720-BFE8-42307F85CAC4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1117D78B-A079-4315-97F7-7928B0694050
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A1F8582E-21A6-4C8A-B5D5-423FBCE98F5E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
566FFD18-F4CF-4C5E-B1B5-D895615BAF1B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C9ECBF3A-B0C6-4A1B-9D88-1E01E734DD65
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
580C789F-9FC3-4892-82E6-0EF5E0476DA9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
760739DD-C0F7-40C7-ADDB-8B992070A93A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
9F093F80-E807-4B04-B976-F85CAD19FB3B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A58E4587-D093-49A5-86B5-ED1C59D53426
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
2D4BB2CA-81C2-4A80-A247-307C572FA017
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D79E735C-743D-462B-B35D-C7075B57A0B6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C7014B03-8B52-43C7-A322-F852092B9DFA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
2EBE7487-9690-4EA1-8FFD-AE6B859E6A05
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
30140D3B-F78D-42BF-A344-145FCAF87042
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EB353255-D56E-41BD-B06B-C5A9DC220D2C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9E0B1554-9679-45DF-ACEE-DED959318BF9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7DBFE838-9A63-491D-8AA1-A78F9B3D0934
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
6026BF5B-94E0-483F-B561-7AF770341785
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8940DF43-D765-4AD9-AE44-DB79EC987F41
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BFCF68F5-CD07-4874-9B14-E3D6458D86A8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0C825CE7-039D-4F49-A2B7-222FD0281953
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
98E9512D-7B47-49F2-98D1-E71202B29794
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
EBD7A67C-FBF5-4071-825F-03146E460197
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F7882BE8-90CD-45B8-9BD6-5BCF5F63B238
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
563998AC-78D7-4987-9185-36C29CCF1CD9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3CCC0211-DFA1-4DCE-921E-B1457EA04FC3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
593271C2-B8CB-40F0-B90A-2263B9FCEDE1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1BB52A1B-5F7A-40DE-998C-67E4D3C4AA36
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
47017CDA-4596-49FC-8D74-E598BD8F1339
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
37973BB6-AEEE-4557-9A43-B4B4ED659445
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7C5FA362-B0ED-4399-9973-00F11CEB92B7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C282123E-5523-4551-8541-BAC8ACDD1174
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BE6DDBDD-4992-491A-80D9-DBA4A5848C8E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2C884139-B68F-4490-B421-5E89179B87B3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
EC5F33A8-3F9C-4D8D-BF7C-AA81F350236A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8CDAE6DF-2BA2-4B2B-8573-338F9147BBB5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8E188E6A-D8B8-429E-BD41-C62406724484
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
788108A7-48A7-4005-8D0B-A11AF7C50F27
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
87BE623D-8319-4D4D-82AB-8D1221F0AE12
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
039E804C-1633-4088-90D0-FCB05DD03D29
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A854C48D-A1F8-4B33-9E5F-5434940789A4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8E959A99-8768-4600-B9DD-873D408A71BE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
10DE0C3E-5EAF-4499-B73A-821AA96D8EF6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
22581022-654F-4423-A00C-A19F90426B13
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
6030C392-9279-4B96-9AC8-6395B20B325B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
32FAAB29-9B0B-4EE3-A600-4DE65E849CF6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B4F7D283-B72E-4E40-BFDB-067F51D18B99
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
98625516-01A3-4DFD-8831-6CC14B128616
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F0390302-4576-4071-9332-4BA80CF12211
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
2E28D7FD-21FA-4529-A5C3-29A0DC61F705
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1D461E99-DC6C-41D6-BF08-B736C2745F11
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
089FB9A5-C6CC-4AD4-B0C1-8B5019148256
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
80EE1879-FB32-4EDE-8350-F0A272560883
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D1A16B9D-4E83-4979-B19E-3FBC929FB6F0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EE70A38C-F12B-427F-B9D1-C9360E25CCC8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
76E27E5D-C9C7-41A5-9A2F-7622841DDB98
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
57D1B382-1238-4C27-B703-600E6EDD55FC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B4548CCC-8821-478B-BF2C-463048A8C4F7
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
CB3317FB-1889-43F3-9667-9989CD92F305
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8680C7E7-BC74-479D-B1EF-21CBCE67A9E6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
944DC6C3-1C2A-45F6-B366-03B8630D64B0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
DE7170D0-39FD-42C3-A4A1-DA6A32B69A99
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
40530C20-B555-48A5-8B2D-1FA8B8169EA3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
298594CC-1EA6-48D7-BA86-83E7420DA29C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
058CBD93-C6EB-4B6E-A4F1-84E10591CE16
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CCA7F5DF-44A0-4625-93F6-A68D6DA2BD5C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3E23F307-5D6D-4AF6-BE03-5C990F8EE91E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9962E9DF-A066-4820-B15B-754C7D8CDB24
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C68EAC1F-66EA-4FB7-AC69-8B6D42C26C66
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
936B22B8-F71E-41C3-8DCD-A932370CDD72
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F8F0CC47-00C3-46F3-9122-3EAE1FDC9720
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
04C38602-2CF6-440E-B044-84F567960DC6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
947727D9-1A9A-457C-9C06-450AFF18F96E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BFF68D56-6ADA-4E88-AD26-CA9188226C2E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F88BBF2A-A8D8-4909-8CC6-DE6A7E4040BE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EC1DFBE6-2D9F-430E-8D98-791856DCCB22
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C7DF50A9-12E1-44B7-8840-587FE608D4EB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
43D887FC-DD46-4726-9BAD-C1F4BB84BA05
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
01B1B09B-07C6-447E-AC25-8B302329CCC0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
73C448F2-3AF9-49BE-9021-B75B1B8CC32C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CC89B417-B4ED-4002-810C-A4395802F616
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C42469B4-5E39-4B55-BBEA-00A40BB1A6EB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
51B804D2-B6F7-465B-8501-BD0810D9EB28
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
FCD8DFD8-3D30-458D-8E29-A2F155D6BCFB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A109F4BE-3C31-456C-8FC3-41A25404BF13
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
86B1EB6C-6713-453A-B9DB-B4099CA399F2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
57608F37-F628-4A5F-A624-1BD05F16F271
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2E4C896D-3C93-4205-8DEF-049406D7602B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
9D73E986-843A-4403-8091-BE253FB4795A
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EE94DC2A-7801-4F90-8D05-AE206B3D0313
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BB87F062-97A6-4816-8BA7-AE40795FA863
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
09A77930-0FC1-48C0-AEDD-F2E736682EC8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DA4D0489-E124-493D-B038-FB4582A891D1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BBA4ECEA-BCDC-484A-90FF-7D6B9DB4AF1E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0CE81E4C-0F7A-479B-96B4-77CF19D77A1D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F43AAFC6-4ED7-4E94-A4C6-6061BDEBAB54
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
D73CC9B2-2D43-4EA1-84EE-2B46E6E0AC92
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
87B45DC1-234A-4AC1-B014-CD43DB502CFF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
572A3213-BA69-48CD-9B72-1346CAB84297
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
1EBC226A-7F35-4C01-A377-7D8D2D3AF258
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C68C0382-96D3-4E0B-97ED-458696BE5D58
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F01CFB2F-C0BD-4102-8D07-EFC9DDC1E727
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
452A370C-8AF3-48A2-BBE3-6932E78030CC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
CD7B4F00-814B-41CA-83A8-D71431D0E6BC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
C380D78B-3A5C-4FDA-98C2-7D8A3CE6BFA9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
69D6B37D-871D-49D2-B55D-B10334B85A08
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9E345895-D365-4774-9C6B-519498C63423
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
Not Applicable
|
|
1C179BF7-DB1E-4366-A113-E6B430A722E0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
5044C5DE-62B8-40FE-9AF5-8F6EAE29029C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E2EF0D08-EC5C-4453-A67F-B8374A3317EB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
5B5D3B82-2794-4D79-95B2-8AB486F962E2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
845AB59C-D4E9-4CAA-88F6-81D4AF5FB46B
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1D0A6C21-E226-4A05-94C0-0647DCB36A7F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Yes
|
|
8AB8B71A-859E-4920-92C7-ABAB014A484D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A6822CB8-1FF6-40EB-B1CF-8DA348E7F5A3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ABF90CC1-C3F4-4A7D-899D-3978FA52854E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8F9A6009-4C03-4C9B-AD16-36F33DC4AB77
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1EB05FF9-127D-4FC0-AB6E-278C4ADB59AF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
28FBDE8F-9362-417A-8095-91C9E324FE20
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EDFCF913-B3C7-410A-AC22-403D32F20566
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DCBC21D3-1C1D-41A0-8DAF-972DA514DF34
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F14B8D1C-0C73-4905-BC6A-5A70BDE1AF48
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
FE70585D-768F-478D-9251-A660834AD3F6
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CC1536DC-D3AF-4FD3-AEF4-605E4F166B64
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
00BDE618-9FA0-47B4-8ECE-4D3499C288AB
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6770BD1F-FFE8-474A-8B87-077FF7AE4A79
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A7298AE7-8BFB-4A09-A397-C78130E20D71
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1FDEB2E0-D1FC-495E-ADFA-6E63C39DE7B2
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
49E3398B-3C54-4BA7-BAE4-044A39AA5638
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B87DFD8A-91F5-46E5-9424-BCB41453D5FA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4D916778-C631-4B31-8F7F-B320040D6821
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
40D8D42D-668C-4F95-ABCA-857794661965
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8CEA1078-AA9C-48EA-B973-43F9E80792A9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EC981558-D69A-49DE-B6E3-1C35878F7870
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
8B87E5B8-9DB5-46E6-BF0A-6038297E519C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4BE03B41-949D-454A-884E-991E6A738F90
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2EFEBBB5-12D5-4FCD-AB89-A1FAC99363DC
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BDAED8D9-7973-48B0-87A2-855E7D0E5725
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5358F1CB-7D8D-409A-BAFB-842222B44A81
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9130AFD4-D29B-444A-A252-219E01727B54
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
No
|
|
91A44445-D726-4BA8-9120-14670981AAD9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
9021CCF2-FBF6-4A23-8085-EA8431C8A12E
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
22FDC3E5-C4EC-41A9-AD38-97E73CF224E8
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
860E509A-044D-40CE-8E5F-4DEDD032B829
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
0DF072C1-A9D6-48C9-9093-9353FEBB553F
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9244D8A3-B9CC-4F9E-9127-988105E5799C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F174FAB3-316C-4EDF-BDA1-E6D28A07F749
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
618A5A10-6966-4D39-863B-AF40046EE6DE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B05742F5-1C20-49D3-B730-9516B575CD93
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D2084EB9-D142-4E2A-822B-72514FADFFE1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
B14A6D51-A4A2-4664-8685-B4235C02BD25
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
51BCA0CB-7F2B-4D4F-B0A6-D9D9FD3D9AA3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CD11E388-BBA6-4558-B0B8-F38661F563FE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
389F43D5-00B2-4B58-B728-43BBC983C5C0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
35802E94-4B90-445B-9EEB-0A33FEA903C9
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
99C5BE69-3059-42BB-AD0B-9989891164D1
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9C31878D-5A16-4EC6-B652-8C264AE43EDF
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
88D7CF42-B78B-4607-ADD5-8FE11BCC9DE4
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
09E23B5B-7DDC-436C-B007-5560A2147100
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8DE95B5D-7398-4EBE-B5F4-587CC810F483
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
85039E41-C24A-473D-A36A-CA254DFBFAC5
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D63E6C05-7D84-485A-836E-E3606754F70C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D4C8A63C-7ED0-4E1E-834E-B302B7F57066
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3A69CCEB-BBE7-4C82-A826-1A1BE340CF61
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
006D9770-C153-473A-933F-289E7A221693
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D99E46FB-DC5A-450E-B92A-734A97E84B1D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
7527D835-4EEB-44CF-A65F-2B54E7868902
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
728CDE81-20A5-4129-8B73-D346BC403AB0
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
604881FE-EFF2-4BEB-B29F-6B74EA1B1DE3
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D3AB703E-AB85-4552-B9D5-38791478BD9C
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2A67A571-646A-4B1D-A692-E53859A66713
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8D286411-0FF3-45C8-AE21-B49025CAADEA
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
8072AEE8-431D-4735-8406-DF7950382914
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CF26684E-266A-4068-8A49-FFEED0B55D42
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2C583C18-96DC-4DB1-8147-4E7BD3DCF933
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
38A33A35-F674-4882-9AEB-2B09A8073E13
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7A04B3B4-EC17-45BD-AB00-7C13A82C94EE
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
177403A4-A208-4A08-B19B-DA1F942FBE8D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
684E5AF2-F5EB-4890-B053-0FD52BA23D4D
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
No
|
|
8B5F259F-2963-4FDA-BFE4-9EF53C53E966
|
XXXXXX
|
XXXXXX
|
Yes
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|