EXHIBIT 99.19
CLAYTON CONDITIONS REPORT
| Client Name: | XXXXXX |
| Client Project Name: | XXXXXX |
| Start - End Dates: | XXXXXX |
| Deal Loan Count: | 323 |
| Conditions Report 2.0 | |
| Loans in Report: | 323 |
| Loans with Conditions: | 190 |
| 1 - Total Active Conditions | ||||||
| 1 - Non-Material Conditions | ||||||
| 1 - Compliance Review Scope | ||||||
| 1 - Category: Right of Rescission | ||||||
| 250 - Total Satisfied Conditions | ||||||
| 167 - Credit Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 10 - Category: Application | ||||||
| 8 - Category: Assets | ||||||
| 12 - Category: Credit/Mtg History | ||||||
| 6 - Category: DTI | ||||||
| 20 - Category: Income/Employment | ||||||
| 17 - Category: Insurance | ||||||
| 43 - Category: Legal Documents | ||||||
| 47 - Category: Terms/Guidelines | ||||||
| 3 - Category: Title | ||||||
| 19 - Property Valuations Review Scope | ||||||
| 14 - Category: Appraisal | ||||||
| 1 - Category: FEMA | ||||||
| 4 - Category: Property | ||||||
| 64 - Compliance Review Scope | ||||||
| 1 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 1 - Category: Compliance Manual | ||||||
| 12 - Category: Documentation | ||||||
| 1 - Category: Federal Consumer Protection | ||||||
| 9 - Category: RESPA | ||||||
| 6 - Category: Right of Rescission | ||||||
| 3 - Category: State Consumer Protection | ||||||
| 1 - Category: State High Cost | ||||||
| 1 - Category: TILA | ||||||
| 29 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 100 - Total Waived Conditions | ||||||
| 85 - Credit Review Scope | ||||||
| 2 - Category: Application | ||||||
| 5 - Category: Assets | ||||||
| 15 - Category: Credit/Mtg History | ||||||
| 1 - Category: DTI | ||||||
| 8 - Category: Income/Employment | ||||||
| 1 - Category: Insurance | ||||||
| 2 - Category: Legal Documents | ||||||
| 7 - Category: LTV/CLTV | ||||||
| 44 - Category: Terms/Guidelines | ||||||
| 13 - Property Valuations Review Scope | ||||||
| 2 - Category: Appraisal | ||||||
| 1 - Category: FEMA | ||||||
| 10 - Category: Property | ||||||
| 2 - Compliance Review Scope | ||||||
| 1 - Category: Right of Rescission | ||||||
| 1 - Category: State Consumer Protection | ||||||
| ©2026 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: | XXXXXX |
| Client Project Name: | XXXXXX |
| Start - End Dates: | XXXXXX |
| Deal Loan Count: | 323 |
| Conditions Report 2.0 | |
| Loans in Report: | 323 |
| Loans with Conditions: | 190 |
| Deal ID | Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors | Loan Status |
| 202 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection in file since the FEMA Disaster XXXX XXX. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | Non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.69%. |
Complete |
| 203 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | B | B | N/A | N/A | B | B | B | B | B | B | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guidelines the maximum LTV with a 693 FICO is 70%. Loan closed at 75% LTV | (No Data) | Exception to close at 75% LTV with a 693 FICO approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers XXXX+ months mortgage payment history 0x30. |
Complete |
| 203 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | B | B | N/A | N/A | B | B | B | B | B | B | N/A | N/A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Subject property has 2 dwellings on 1 lot. | (No Data) | Exception for 2 dwellings on 1 lot approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers XXXX months mortgage payment history XXXX. |
Complete |
| 204 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX mos CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $XXX = XXXX PITI Reserves |
Complete | |||||||||||||||
| 205 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Borrower is living with girlfriend who has lease under her name. | (No Data) | Exception for borrower living rent free with girlfriend approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.08% DTI is below program max of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 FICO exceeds program min by > 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 205 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Property Valuations | Appraisal | Waived | C | A | C | A | PRVAAPPR233 | Comps or Adjustments Not Appropriate | No | Comps were not exposed to MLS. | (No Data) | XXX agrees to clear | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.08% DTI is below program max of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 FICO exceeds program min by > 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 206 | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | 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 | The loan file does not contain VOR (for past 3 months) and VOM from XXX(on HUD for sale of XXX) to document 12 month housing history. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 206 | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | 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 | Borrower percentage of business XXX was verified through XXX prepared K1 and not through a CPA or Operating Agreement as required per guidelines. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 206 | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | The homeowners insurance dwelling coverage of $XXX is less than required coverage of $XXX. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 206 | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | The loan file does not contain a business narrative as required for 12 month business bank statement program. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 207 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | B | D | B | CRDLGL100 | Legal document incorrect or incomplete | No | The Prepayment Addendum & Rider are incomplete. The term of the prepayment penalty on the documents are showing "N/A". | (No Data) | The corrected prepayment penalty addendum was provided to cure to be re-recorded. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years CFCFS2860: Good credit history - Clayton Comments: XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 769. |
Complete |
| 208 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Loan was underwritten as Prime Connect - Flex; however, the file is missing the AUS. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.80% DTI is below program max of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years and XXXX months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO exceeds program min by > 20 points |
Complete |
| 208 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR233 | Comps or Adjustments Not Appropriate | No | The Comps in the Appraisal were not exposed to the MLS. | (No Data) | XXX has agreed to clear. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.80% DTI is below program max of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX months at current job CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO exceeds program min by > 20 points |
Complete |
| 209 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR midnight date is XXX. Loan disbursed XXX. Loan disbursed prior to ROR expiration date | (No Data) | Lender provided Final Statement & PCCD showing disbursement date XXX - exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for the past XXXX years CFCFS1736: Significant time at current residence - Clayton Comments: borrower resided at same residence for past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 209 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Exception requested for max investor allowed is XXXX and borrower owns XXXX investor properties and all are paid off and free and clear. Exception approved by XXX with a max LTV of 60%. Loan closed at 65% LTV | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for the past XXXX years CFCFS1736: Significant time at current residence - Clayton Comments: borrower resided at same residence for past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 210 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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 | Corrected data input cancels exception. | (No Data) | Corrected data input cancels exception. | (No Data) | (No Data) | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 credit score exceeds minimum required CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on the same job for the past XXXX years and XXXX months CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for the past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 210 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Note has zip code for subject property of XXX and Mortgage has zip code for subject property listed as XXX . However, Appraisal and Title Commitment has zip code listed as XXX. Please provide either corrected NOTE & MORTGAGE or corrected APPRAISAL & TITLE, so all four (4) documents agree. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 credit score exceeds minimum required CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on the same job for the past XXXX months CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for the past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 211 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | XXXX mo. business bank statement program. The borrower has XXXX overdrafts per daily balances in the past XXXX months but no NSFs. An exception approval is in the file. | (No Data) | An exception approval is in the file. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.49% DTI CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX month at current job. |
Complete |
| 212 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | There are Seller paid fees listed on Seller CD, but not Borrower Final CD. As the fees are at least reflected, there is no material issue. | (No Data) | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 760. CFCFS3824: Borrower contributed an additional down payment - Clayton Comments: Borrower contributed an additional 20% down payment. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXX (23 months). |
Complete |
| 212 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC150 | Income docs do not meet guidelines | No | The CPA attestation is not wet signed. | (No Data) | XXX waived the wet signature on the CPA letter. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 760. CFCFS3824: Borrower contributed an additional down payment - Clayton Comments: Borrower contributed an additional XXXX% down payment. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXX (XXXX months). |
Complete |
| 213 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months CFCFS1736: Significant time at current residence - Clayton Comments: XXXX yrs CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 45.59% < GL 75% |
Complete | |||||||||||||||
| 214 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR233 | Comps or Adjustments Not Appropriate | No | The Comps in the appraisal were not exposed to the MLS. | (No Data) | XXX has agreed to clear condition. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.34% LTV CFCFS1744: DTI below guideline requirement - Clayton Comments: 5.40% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 score |
Complete |
| 215 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Waived | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | A signed copy of the co borrower's XXXX personal and business tax returns are missing from the file. | (No Data) | XXX has agreed to clear with 4506 in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrowers Fico of 751 is 71 points greater than the minimum required Fico of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.45% is 13.55% less than the maximum allowed DTI of 50%. |
Complete |
| 216 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 714. CFCFS3824: Borrower contributed an additional down payment - Clayton Comments: Borrower contributed an additional XXXX% down payment of $XXXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXX. |
Complete | |||||||||||||||
| 217 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete | |||||||||||||||
| 218 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. XXX, XXX, etc.). In this case, the documentation is not included in the loan file. | (No Data) | Document provided to cure. | Not Applicable | Not Applicable | (No Data) | Complete |
| 219 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | B | C | B | C | 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 | Zero XXXX Fee of $XXXX due to Lender Title fee increase to $XXXX on CD XXXX from Initial LE $XXXX. Provide a valid Change of Circumstance. | (No Data) | PCCD provided with cure listed. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 FICO exceeds program min by > 20 points CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
Complete |
| 219 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Program requires XXXX months minimum reserves. Borrower has XXXX months reserves. | (No Data) | Per 1008, XXX used delegated authority to approve the exception for min reserves. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 FICO exceeds program min by > 20 points CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
Complete |
| 219 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3262 | Property issues indicated | No | Property located in a no zoning area, has a complete XXX in XXX with area having XXX and XXX XXX. | (No Data) | Exception for No Zoning with a complete XXX in the XXX with XXX / XX XXX approved by XXX and in file. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 725 FICO exceeds program min by > 20 points CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
Complete |
| 220 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | A third party fraud detection report is missing from the loan file (both borrowers) | (No Data) | Documentation provided to cure. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV |
Complete |
| 220 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | A 12 month housing history is required; if no open and active mortgages are reporting on credit > 12 months, a pre-approval is required. | (No Data) | A pre-approval was provided for the housing history. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV |
Complete |
| 220 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report | No | The credit report is missing from the loan file (both borrowers) | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV |
Complete |
| 220 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | The Flood Certification is missing from the loan file. | (No Data) | No open and active mortgages reporting on initial credit will require pre-approval | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV |
Complete |
| 220 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | The hazard insurance policy is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV |
Complete |
| 220 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | The Prepayment Addendum to the Note is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV |
Complete |
| 221 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 Fico score exceeds the minimum Fico score by more than 20 points |
Complete | |||||||||||||||
| 222 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2304 | Unverified Assets | No | Provide Final HUD with the payoff of the existing 1st lien and an accurate cash to borrower amount. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.64% LTV |
Complete |
| 223 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | 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 | CRDCRMH121 | Bankruptcy history does not meet guidelines | No | The mortgage secured on the primary residence is reporting included in chapter XXXX bankruptcy, however, no additional information regarding the BK was included or explained in the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 score |
Complete |
| 225 | XXXXXX | XXXXXX | XXXXXX | 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 | Documentation | Satisfied | C | A | C | A | CMPDOC2518 | The note, mortgage, and/or other legal documents do not accurately reflect the agreed upon loan terms | No | The final closing package (note, CD, mortgage, final 1003, etc) indicates the property address as XXX, however the title, appraisal, HOI and flood indicates the property address as XXX. Provide an updated closing package to correct the address. | (No Data) | Lender provided corrected Closing Package - Exception cancelled. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 13.62%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXX. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. |
Complete |
| 226 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2340 | Employment verification does not meet guidelines | No | Borrower has an extended employment gap after taking a XXXX year sabbatical due having XXX Lender approval is on file. | (No Data) | Lender approval is on file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 FICO exceeds program min by > 20 points CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.72% DTI is below program max of 45% |
Complete |
| 226 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Per guidelines borrowers retaining their primary residence as a rental with no investment experience requires pre-approval. | (No Data) | A pre-approval was provided by XXXX. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 FICO exceeds program min by > 20 points CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.72% DTI is below program max of 45% |
Complete |
| 227 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Loan file is missing the XXX account #XXXused by lender to calculate the monthly income of $XXX from asset utilization. - Duplicate | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.97% DTI is below program max of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO exceeds program min by > 20 points. |
Complete |
| 228 | XXXXXX | XXXXXX | XXXXXX | 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 | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken XXXX, the initial LE was not issued until XXXX. Greater than the required 3 days. Please provide earlier LE if issued. | (No Data) | Lender provided Initial LE XXXX_ exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 credit score exceeds minimum required CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for the past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceeds guidelines requirements |
Complete |
| 229 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 Fico score exceeds the minimum Fico score by more than 20 points |
Complete | |||||||||||||||
| 230 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Credit | Legal Documents | Waived | D | B | D | B | CRDLGL4033 | Missing Legal Document(s) | No | Per delayed financing guidelines when a subject property has more than a XXXX% increase in value from the purchase price an appraisal desk review is required to support value. Subject was purchased XXX for $XXX; a third party review from an XXX approved vendor is missing from the loan file. | (No Data) | XXX has agreed to waive condition due to SSR with a score of 1. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 qualifying score is 10+ points > 700 requirement. |
Complete |
| 230 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4643 | Borrower does not meet guideline requirements | No | Delayed financing; Subject was purchased XXX, Verification of funds used to purchase the property and a documented cost of repairs are missing from the loan file. LTV is based off of acquisition cost + documented cost of repairs. | (No Data) | documented cost of improvements provided | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 qualifying score is 10+ points > 700 requirement. |
Complete |
| 230 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Borrower is a FTI- A motivation letter required when purchasing out of state from the borrower's primary residence. | (No Data) | not required per TLS guides | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 qualifying score is 10+ points > 700 requirement. |
Complete |
| 230 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Delayed financing; Subject was purchased XXX, the appraiser must state the specific improvements made since the purchase of the property, LTV is based off of acquisition cost + documented cost of repairs. Additional exceptions may apply upon review. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 qualifying score is 10+ points > 700 requirement. |
Complete |
| 231 | XXXXXX | XXXXXX | XXXXXX | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | State Consumer Protection | Waived | B | B | B | B | CMPSTCP1135 | MA AG- Limited Documentation Disclosure Missing | No | Limited Documentation Disclosure Missing from doc file. | (No Data) | Non-material loan upgraded to a C by mistake. XXX waiving the document. Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 231 | XXXXXX | XXXXXX | XXXXXX | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Provide a legible copy of the 1008 Transmittal Summary. | (No Data) | Document provided to cure | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 231 | XXXXXX | XXXXXX | XXXXXX | ATR Risk: Non-QM - Lender did not document all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | Title | Satisfied | D | A | D | A | CRDTIL4871 | Missing Title Certification | No | The Warranty/ Grant deed is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 232 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP277 | Currently Listed for Sale | No | An exception approval is in the file for the subject being listed for sale at the time of application. Listing cancelled XXXX | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months ITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 762. |
Complete |
| 233 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2408 | Income verification does not meet guidelines | No | An exception approval is in the file for the Business opened just shy of XXXX years - established XXXX. Broker requested exception and to not obtain XXXX years prior to the business opening. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 21.10% is below guideline maximum 55%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .03% CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX months. |
Complete |
| 234 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 55.05% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 score |
Complete | |||||||||||||||
| 235 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | (No Data) | (No Data) | Corrected data input in Initial CD general information screen satisfied exception. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.17% DTI is below program max by > 5% CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 FICO exceeds program min by > 20 points. |
Complete |
| 235 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD dated XXXX per Disclosure Tracking. | (No Data) | Initial CD XXXXuploaded to document files satisfied exception. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.17% DTI is below program max by > 5% CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 FICO exceeds program min by > 20 points. |
Complete |
| 235 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 $XXXX for zero tolerance fees.2nd Appraisal (Inspection Fee) increased to $XXXX on Final CD-2 XXXX.Credit Report Fee increased on Final CD-2 XXXX from $XXXX to $XXXX.Appraisal Fee increased from $XXXX to $XXXX on Final CD-2 XXXX. A $XXXX cure was provided on the Final CD.***Missing Initial CD XXXX which may correct the Tolerance. | (No Data) | Inspection fee and Appraisal invoices included in doc file verifies disclosure to the borrower, satisfying exception. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.17% DTI is below program max by > 5% CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 FICO exceeds program min by > 20 points. |
Complete |
| 236 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | B | C | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | The loan file does not contain a rate lock from XXX. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves. |
Complete |
| 237 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material Condition in those Circuits that have not decided on this issue. | The loan is a same-lender refinance The H8 rescission notice was used at closing Courts have generally accepted H8 as substantially similar to H9 Clayton already classified it as Non-Material | Non-Material exception. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 score CFCFS1744: DTI below guideline requirement - Clayton Comments: 4.61% DTI |
Complete |
| 238 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | It appears the property located at XXX was refinances on XXX, however, the PI was not included on the Final 1003. Also, a letter from the borrower indicates the primary residence has an HOA, but documentation of this was not in the file. DTI ratio is pending. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 710 score |
Complete |
| 238 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The deed transferring the subject property from XXX (guarantor) to the business entity (XXX) was not in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 710 score |
Complete |
| 239 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide a current lease agreement for subject property. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.72%; guidelines allow 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 660 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @XXXX% |
Complete |
| 239 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3262 | Property issues indicated | No | As per appraisal, property is ACTIVELY listed for sale @ $XXX. Appraisal completion date: XXXX | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.72%; guidelines allow 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 mid score > min required of 660 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @XXXX% |
Complete |
| 240 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | The initial 1003 states the borrowers current primary residence is XXX however the final 1003 states the current residence is XXX. There is a LOX in the loan file that states the borrowers currently live with relatives at XXX which is listed as a rental on the Schedule E, with no explanation if they currently reside at property XXX and it is also not listed on final 1003 as an investment or primary. Used XXX as primary residence. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 qualifying score is 10+ points > 660 requirement. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. |
Complete |
| 240 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Hazard insurance for investment property XXXX., is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 qualifying score is 10+ points > 660 requirement. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. |
Complete |
| 241 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at current residence for past XXXX month CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 credit score exceeds minimum required per guidelines |
Complete | |||||||||||||||
| 242 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | 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 | Provide evidence of rental income for investment property located at XXX, audit used full PITIA payment to qualify as no documentation was included in the file. Final DTI pending. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for the past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 242 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Per guidelines in order to use OT income to qualify it must be received for XXXX years, borrower has been receiving OT since XXXX An exception was requested for having < 2 years proof of receipt but cancelled due to additional documentation being received, however, no additional documentation was included in the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for the past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 242 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL225 | Missing Rider | No | Missing the Assignment of Rents and Leases Rider. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for the past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 242 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Amortization Schedule | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for the past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 243 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | The lender income calculation does not included itemized deposits to be excluded. The auditor is unable to determine all of the deposits that need to be excluded. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 fico CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 244 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER881 | Minimum square footage does not meet guidelines | No | According to the guidelines, properties < XXX sq/ft are ineligible. In this case, the 2nd unit is only XXX sq/ft. An exception approval is in the file. | (No Data) | Lender approval is on file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 score CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.67% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 245 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | B | A | B | A | CRDTER2850 | ARM terms do not meet guidelines | No | Invalid | (No Data) | Invalid: Fired in error. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers XXXX months mortgage payment history XXXX. |
Complete |
| 246 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Warranty Deed is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over XXXX months of Reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.32% DTI is low. |
Complete |
| 247 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Satisfied | C | B | C | B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR midnight date is XXX. Loan disbursed XXX. Loan disbursed prior to ROR expiration date | (No Data) | Lender provided corrected PCCD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for XXXX years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been with current employer for XXXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 718. |
Complete |
| 248 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA exceeds guideline reserves by XXXX+ months CFCFS1736: Significant time at current residence - Clayton Comments: Time in primary residence in XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 fico score exceed guidelines by 20+ points |
Complete | |||||||||||||||
| 249 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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 | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | An exception approval is in the file for no primary housing history. Borrower is living rent free. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 41.18% CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.80% LTV CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX months at current job. |
Complete |
| 250 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 Credit score exceeds minimum 700 credit score requirement. CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX mortgage payment history;XXXX mortgage payment history required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves available after closing; XXXX months reserves required |
Complete | |||||||||||||||
| 251 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Per XXX Matrix, DSCR < 1.0 and loan amount < $XXX do not qualify for a cash-out refinance. An XXX exception is required. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 FICO |
Complete |
| 252 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR233 | Comps or Adjustments Not Appropriate | No | The Comps in the Appraisal were not exposed to the MLS. | (No Data) | XXX has agreed to clear condition. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 40.32%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 FICO credit score exceed guideline 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA exceeds guidelines |
Complete |
| 253 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | An Exception Approval was placed in the loan file to allow a 2nd Home Purchase that is an At-Interest transaction where Seller is representing themselves when guidelines are for primary residence only. | (No Data) | XXXX. Client Approved Exception. Copy in loan file. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.07% DTI is low. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 qualifying score is 20+ points > 660 requirement. |
Complete |
| 254 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | (No Data) | Complete | |||||||||||||||
| 255 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Borrower FICO is 693 but guideline requires 700 min for 75% LTV. Lender exception approval is on file. | (No Data) | Lender exception approval is on file. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. |
Complete |
| 256 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | 4.1.1 PURCHASE GUIDELINES: Non-Arms Length transactions are not permitted.Appraisal states Non-arms length sale; Analysis of the contract revealed a contact price of $XXX executed XXX | (No Data) | XXX has agreed to accept the revised appraisal indicating arm's length transaction. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 640 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 85%. |
Complete |
| 257 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers XXXX months mortgage payment history XXXX. CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1734: Borrower has significant time at current job - Clayton Comments: XXXX years at present job |
Complete | |||||||||||||||
| 258 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure missing from doc file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 48.44% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 259 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete | |||||||||||||||
| 260 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | The max LTV for a rural 2nd home property is 70%, the actual LTV is 75% | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 15.87% is less than the Max. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 788. |
Complete |
| 260 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Missing Second Appraisal required for Loan amount = $XXX and >65% LTV. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 15.87% is less than the Max. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 788. |
Complete |
| 261 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | An Amortization schedule was not provided in the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 696 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 49.80% LTV |
Complete |
| 262 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Warranty/ Grant Deed is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 16.44% DTI is low. |
Complete |
| 263 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | A HOI policy was not provided in the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 18.88% LTV |
Complete |
| 263 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Property closed vested as XXX, however, and EIN certification was not provided in the loan file. | (No Data) | XXXX LLC verification provided | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 18.88% LTV |
Complete |
| 264 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The Principal and Interest amounts for the Investment property XXX, are missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 qualifying score is 10+ points > 700 requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.74% LTV is low. |
Complete |
| 264 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | The Hazard Insurance policy for the subject property expired XXXX; a copy of the XXXX policy is missing from the loan file. Used lenders amount from the 1008 to calculate payment. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 qualifying score is 10+ points > 700 requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.74% LTV is low. |
Complete |
| 264 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The Tax Certificate for Investment Property XXX., is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 qualifying score is 10+ points > 700 requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.74% LTV is low. |
Complete |
| 264 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | The Tax Certificate for Investment Property XXX., is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 qualifying score is 10+ points > 700 requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.74% LTV is low. |
Complete |
| 264 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Borrower has a LOX in the loan file that states the primary residence has HOA and all other properties do not, however there is no evidence in the loan file showing the primary residence has HOA. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 qualifying score is 10+ points > 700 requirement. CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.74% LTV is low. |
Complete |
| 265 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | The CD dated XXXXindicates an APR of XXXX%. The final CD dated XXXX indicates an APR of XXXX%. The APR increased by XXXX%. | (No Data) | PCCD provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 265 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 cure of $XXXX required due to increase in Underwriting Fees ($XXXX), Title - Signing Agent Fee ($XXXX), and Title - XXX XXX Fee ($XXXX) from LE to CD without a valid Change of Circumstance or credit. | (No Data) | PCCD provided to cure. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 265 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 | XXXX% tolerance cure of $XXXX required due to increase in XXXX% tolerance fees from LE to CD without a valid Change of Circumstance or credit. | (No Data) | PCCD provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 265 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in the file. Please provide. | (No Data) | Seller CD provided to cure. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 265 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | According to the Final CD dated XXXX, there were gift funds from XXX of $XXX, however, no evidence of these gift funds where provided in the loan file to meet guideline requirements. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 265 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | A 12 month housing history is required. No open and active mortgages reporting on initial credit or free and clear properties require pre-approval. | (No Data) | not required per XXXX guides | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 266 | XXXXXX | XXXXXX | XXXXXX | 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 | CMPSTCP1151 | SC Home Loans -Broker 'Amounts Earned' Disclosure not in file | No | (No Data) | (No Data) | Broker Agreement Document provided to cure. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has XXXX years at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.53% DTI is below program max of 50% CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 FICO exceeds program min by > 20 points. |
Complete |
| 266 | XXXXXX | XXXXXX | XXXXXX | 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 | CMPSTCP1159 | SC Home Loans - Designated Agency Disclosure not in file | No | (No Data) | (No Data) | SC Document provided to cure. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has XXXX years at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.53% DTI is below program max of 50% CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 FICO exceeds program min by > 20 points. |
Complete |
| 267 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Compliance | Right of Rescission | Satisfied | B | B | B | B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Right of Rescission form missing from file. | (No Data) | Lender provided ROR - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years and XXXX months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 FICO exceeds program min by > 20 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years and XXXX months at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.11% DTI is below program max of 50%. |
Complete |
| 267 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3262 | Property issues indicated | No | Appraiser to justify positive time adjustments for OA comps when Housing Data shows HPA XXXX month -XXXX%, and XXXX month -XXXX%. XXX to sign off on revised appraisal. | (No Data) | XXX has agreed to clear. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years and XXXX months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 FICO exceeds program min by > 20 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years and XXXX months at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.11% DTI is below program max of 50%. |
Complete |
| 267 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Appraiser to correct subject property prior sale within XXXX years. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years and XXXX months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 FICO exceeds program min by > 20 points. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years and XXXX months at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.11% DTI is below program max of 50%. |
Complete |
| 268 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing the borrower's name and account # on the XXX online printout dated XXXX | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1752: No Verified Compensating Factors - Clayton Comments: No other verified compensating factors besides credit score. Reserves may be a possible comp factor once AUS findings are reviewed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 798. |
Complete |
| 269 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | First payment letter is missing from the loan file. Copy in file is cut off. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.56% LTV CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 FICO |
Complete |
| 270 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | 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 | (No Data) | (No Data) | invalid fired in error | Hybrid | (No Data) | CFCFS1744: DTI below guideline requirement - Clayton Comments: 6.79% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 270 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC5553 | Missing sufficient documentation to determine High Cost Fees and APR Limits | No | (No Data) | (No Data) | invalid fired in error | Hybrid | (No Data) | CFCFS1744: DTI below guideline requirement - Clayton Comments: 6.79% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 270 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | 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 | (No Data) | (No Data) | invalid fired in error | (No Data) | (No Data) | CFCFS1744: DTI below guideline requirement - Clayton Comments: 6.79% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 270 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | TILA | Satisfied | C | A | C | A | CMPTILA3182 | TILA - Prohibited mandatory arbitration clause or agreement | No | (No Data) | (No Data) | invalid fired in error | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 6.79% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 270 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 | (No Data) | (No Data) | invalid fired in error | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 6.79% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 270 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 | (No Data) | (No Data) | invalid fired in error | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 6.79% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 270 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | 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 | (No Data) | (No Data) | invalid fired in error | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 6.79% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 271 | XXXXXX | XXXXXX | XXXXXX | 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 | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Provide missing executed Final CD. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Co Borrower has resided at current primary residence for the past XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 credit score exceeds minimum required |
Complete |
| 271 | XXXXXX | XXXXXX | XXXXXX | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC3268 | Note in file is incomplete | No | Note is missing the signature from borrowers. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Co Borrower has resided at current primary residence for the past XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 credit score exceeds minimum required |
Complete |
| 271 | XXXXXX | XXXXXX | XXXXXX | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC869 | Mortgage not signed | No | DOT in file is not signed by the borrower. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Co Borrower has resided at current primary residence for the past XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 credit score exceeds minimum required |
Complete |
| 271 | XXXXXX | XXXXXX | XXXXXX | 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 | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing Income Calculation worksheets | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Co Borrower has resided at current primary residence for the past XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 credit score exceeds minimum required |
Complete |
| 271 | XXXXXX | XXXXXX | XXXXXX | 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 | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Final 1003 for both borrowers | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Co Borrower has resided at current primary residence for the past XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 credit score exceeds minimum required |
Complete |
| 272 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Insufficient assets verified to meet funds to close of $XXX. Verified assets are $XXX. Borrower wired out $XXX from XXX XXX on XXXX with no further documentation to source where these funds went (not reflected on CD). | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 754. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 27.6%. |
Complete |
| 272 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing source of the $XXX deposit into XXX XXX on XXXX labeled as "PC Transfer Credit". | XXX uw cert 3-9.pdf (Unclassified) was referenced | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 754. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 27.6%. |
Complete |
| 272 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing updated AUS/DU run with updated credit report from XXXX6; Interest rate is incorrect, taxes and HOI are not updated, and DTI is not accurate. Most recent DU run #XXXX dated XXXX in file. DU findings required loan to close by XXXX (closed XXX). | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 754. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 27.6%. |
Complete |
| 272 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER881 | Minimum square footage does not meet guidelines | No | Exception approved for having less than XXX square feet. Subject is XXXsq ft - Satisfied. | (No Data) | Exception approved for having less than XXX square feet. Subject is XXX sq ft - Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 754. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 27.6%. |
Complete |
| 272 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR233 | Comps or Adjustments Not Appropriate | No | FYI - all XXXX comps provided were not exposed to the MLS (property located in XXX County, XXXX). All of the comps Data Source is from Comps Inc. | (No Data) | XXXX has agreed to clear condition. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 754. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 27.6%. |
Complete |
| 273 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | The loan closed in an LLC and the EIN is missing from the file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS2860: Good credit history - Clayton Comments: DSCR above minimum by .64 |
Complete |
| 273 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file contains an exception because the borrower does not have primary residence payment history. | (No Data) | Loan approval in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS2860: Good credit history - Clayton Comments: DSCR above minimum by .64 |
Complete |
| 274 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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 | Required Affiliate Business Disclosure missing from file | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.03% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 274 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | An Amortization schedule was not provided in the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.03% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 275 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years XXXX month at current job. |
Complete | |||||||||||||||
| 276 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete | |||||||||||||||
| 277 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Final Amortization Schedule is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 qualifying score is 10+ points > 680 requirement. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. |
Complete |
| 278 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | A copy of the Warranty/ Grant Deed is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years and XXXX months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 FICO exceeds program min by > 20 points. |
Complete |
| 279 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The HOA statement or attestation that there is no HOA on the borrowers primary residence XXX, is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 qualifying score is 20+ points > 660 requirement. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA. |
Complete |
| 279 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | The HOA statement or attestation that there is no HOA for the borrowers other second home XXX., Is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 qualifying score is 20+ points > 660 requirement. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of 2.77%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA. |
Complete |
| 280 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 684 FICO score exceeds guidelines by 20+ points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned the primary residence for XXXX years |
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| 281 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3268 | Note in file is incomplete | No | Missing page 2 of the Note. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 282 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Exception approved due to NON ARMS LENGTH transaction and declining market. Borrower is the Sellers Attorney | (No Data) | Loan approval in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceeds minimum required |
Complete |
| 283 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 688 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
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| 284 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | The borrower's Homeowners policy was not provided in the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.63% DTI CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 284 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | An Appraisal transfer letter was not provided in the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.63% DTI CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 285 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.80% LTV |
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| 286 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | HOI policy reflects dwelling coverage of $XXX. Provide an RCE from insurance company verifying this is sufficient coverage or increase coverage to at least $XXX. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 815. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 7.59%. |
Complete |
| 286 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | The hazard insurance policy is missing from the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 815. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 7.59%. |
Complete |
| 286 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | 80% LTV is greater than the max 70% LTV allowed for a rural 2nd home property. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 815. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 7.59%. |
Complete |
| 287 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing Lender's asset utilization income worksheet | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 FICO CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.44% DTI |
Complete |
| 287 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | BWR 1 - Has been XXX for Several Years, Using Tax Returns for XXX Income. BWR 1 just started a W2 Job in XXXX. No Previous W2 job in past XXXX years. Must use recent W2 income to Qualify. | (No Data) | Lender approval dated XXXX is in file. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 FICO CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.44% DTI |
Complete |
| 288 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3262 | Property issues indicated | No | Appraisal review was required for the partially converted garage and any deficiencies. | (No Data) | Appraisal reviewed and approved by XXXX and is in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years and XXXX month at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 FICO exceeds program min by > 20 points CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.70 % DTI is below program max of 50%. |
Complete |
| 289 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Waived | D | B | D | B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Per guideline, assets used for income qualification should be seasoned for XXXX days. In this case the assets are seasoned for less than XXXX days. | (No Data) | Per email provided, XXX XXX has approved an exception for the seasoning of funds. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 FICO exceeds program min by > 20 points CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.33% DTI is below program max of 45%. |
Complete |
| 290 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXX (XXXX months). CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 709. |
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| 291 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | B | A | B | A | CRDTER2850 | ARM terms do not meet guidelines | No | (No Data) | (No Data) | Invalid this is a fixed rate | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has positive mortgage payment history reported on credit report XXXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over XXXX months of Reserves. |
Complete |
| 292 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD, but not Borrower Final CD. As the fees are at least reflected, there is no material issue. This Exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A. | (No Data) | This Exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception Satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 10.33% DTI CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.21% LTV |
Complete |
| 292 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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 | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | An exception approval is in the file. The borrower is a First Time Homebuyer and current lives rent free. No open/active mtgs on credit. | (No Data) | Exception granted is in file. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 10.33% DTI CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.21% LTV |
Complete |
| 293 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application date is XXXX.List of homeowners counseling organizations was not issued until XXXX.Greater than the required XXXX days. | (No Data) | Homeownership Counseling Disclosure provided to cure. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrowers have been XXX operating same business for XXXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 802 (B2). CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. |
Complete |
| 293 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application date is XXXX.Initial LE was not issued until XXXX.Greater than the required 3 days. | (No Data) | Initial LE provided to cure. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrowers have been XXX operating same business for XXXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 802 (B2). CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. |
Complete |
| 293 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Missing the Appraisal report. | (No Data) | Documentation provided for cure. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrowers have been XXX operating same business for XXXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 802 (B2). CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. |
Complete |
| 294 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and neither You declined it nor Your lender does not offer one are selected. | (No Data) | PCCD provided with the section completed. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 FICO CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.66% DTI is below program max of 45%. |
Complete |
| 295 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Borrowers are Permanent Residents, however, a copy of the back of the XXXX are missing from the loan file (both borrowers). | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS5269: Minimal use of credit - Clayton Comments: XXXX% Credit Utilization |
Complete |
| 296 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 721 mid score > min required of 660 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers XXXX months mortgage payment history XXXX. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete | |||||||||||||||
| 297 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years and XXXX month at current job CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 FICO exceeds program min by > 20 points |
Complete | |||||||||||||||
| 298 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | An exception approval is in the file for missing a 12 month primary housing verification history. Borrower was living rent XXX with family for the last 12 months and just started renting an XXX that started in XXXX and is only through XXXX. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.26% LTV below guideline requirements of 60% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 FICO score exceeds guideline score of 700 |
Complete |
| 298 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4415 | Missing required Cooperative Documentation | No | Missing Amortization schedule | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.26% LTV below guideline requirements of 60% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 FICO score exceeds guideline score of 700 |
Complete |
| 298 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4631 | Loan parameters do not meet guidelines | No | The Prepayment Penalty is not one of the three prepayment penalty options available. | (No Data) | XXX issued an exception allowing the XXXX month PPP on this one-time basis. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.26% LTV below guideline requirements of 60% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 FICO score exceeds guideline score of 700 |
Complete |
| 299 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3262 | Property issues indicated | No | An exception approval is in the file for submitting the appraisal for secondary appraisal review prior to closing, providing an additional layer of independent oversight for a critical component of the transaction. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 mid score > min required of 720 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 38.71%; guidelines allow 80%. |
Complete |
| 300 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Title commitment shows proposed insured amount of $XXX. The loan amount is $XXX. | Client provided Title Commitment for subject transaction. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS2860: Good credit history - Clayton Comments: DSCR above minimum by 0.179 |
Complete |
| 300 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The guaranty agreement was signed as managing members of the entity not individually. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS2860: Good credit history - Clayton Comments: DSCR above minimum by 0.179 |
Complete |
| 300 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | The loan being paid off had a modification but the creditor cannot confirm the dates but indicated it was Covid related. | Client provided an approved exception request for missing exact date of modification. | Clayton's initial and final grade B, modification XXXX+ years ago, | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS2860: Good credit history - Clayton Comments: DSCR above minimum by 0.179 |
Complete |
| 301 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers XXXX months mortgage payment history XXXX. CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete | |||||||||||||||
| 302 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX reserves exceed minimum required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 credit score exceeds minimum required CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.28 LTV is below max allowed per guidelines |
Complete | |||||||||||||||
| 303 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | Per guideline, bank accounts must be from a XXX Financial Institution or Financial technology company insured by a XXX Financial Institution, FDIC member. In this case borrower is using XXX bank statements powered by XXX Bank. Lender exception approval is on file | (No Data) | Lender exception approval is on file | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.08% DTI is below program max of 50%. |
Complete |
| 303 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing the AUS in the file. Loan was underwritten to XXXX - XXXX loan program. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1744: DTI below guideline requirement - Clayton Comments: 20.08% DTI is below program max of 50%. |
Complete |
| 304 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 55.47% < 85% LTV GL CFCFS1736: Significant time at current residence - Clayton Comments: XXXX yrs |
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| 305 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing the Market Rent Analysis in the file to calculate the DSCR. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 exceeds minimum 700 credit score requirement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: XXXX mortgage payment history exceeds XXXX payment history. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is below 75% maximum LTV guideline requirement. |
Complete |
| 305 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing executed Lease agreement. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 exceeds minimum 700 credit score requirement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: XXXX mortgage payment history exceeds XXXX payment history. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is below 75% maximum LTV guideline requirement. |
Complete |
| 305 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing the Appraisal in the file to verify the state of the Appraiser license. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 exceeds minimum 700 credit score requirement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: XXXX mortgage payment history exceeds XXXX payment history. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is below 75% maximum LTV guideline requirement. |
Complete |
| 305 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Missing UCDP in the file to determine if an updated valuation is required. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 exceeds minimum 700 credit score requirement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: XXXX mortgage payment history exceeds XXXX payment history. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is below 75% maximum LTV guideline requirement. |
Complete |
| 305 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Missing the Appraisal in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 exceeds minimum 700 credit score requirement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: XXXX mortgage payment history exceeds XXXX payment history. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is below 75% maximum LTV guideline requirement. |
Complete |
| 305 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing the Appraisal in the file to verify post disaster status. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 795 exceeds minimum 700 credit score requirement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: XXXX mortgage payment history exceeds XXXX payment history. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV is below 75% maximum LTV guideline requirement. |
Complete |
| 306 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | The Payoff Statement is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 796. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.64% DTI is low. CFCFS1737: LTV below guideline requirements - Clayton Comments: 38.84% LTV is low. |
Complete |
| 306 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | An Exception Approval was placed in the loan file to use Rental Income from ADU.XXX Client Approved Exception. Copy in loan file. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 796. CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.64% DTI is low. CFCFS1737: LTV below guideline requirements - Clayton Comments: 38.84% LTV is low. |
Complete |
| 307 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 FICO exceeds program min by > 20 points CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
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| 308 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 781. |
Complete | |||||||||||||||
| 309 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers XXXX months mortgage payment history XXXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $XXX / XXXX months PITIA > min required of $XXX |
Complete | |||||||||||||||
| 310 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | An Appraisal transfer letter was not provided in the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 310 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP2674 | Property Issues Indicated 2 | No | The appraiser did not include the proximity to the subject for all comps. | (No Data) | DISTANCE OF COMPS ON THE LOCATION MAP ADDENDUM | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 311 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Right of Rescission | Satisfied | B | B | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | The date of the transaction on the ROR provided is incorrect as well as the expiration date on the form. | (No Data) | Lender provided corrected ROR - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 FICO vs 660 min required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.07% LTV vs 85% allowed. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 28.23%. |
Complete |
| 311 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Right of Rescission | Satisfied | D | A | D | A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission. | (No Data) | Right of Rescission provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 FICO vs 660 min required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.07% LTV vs 85% allowed. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 28.23%. |
Complete |
| 311 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Right of Rescission | Satisfied | D | B | D | B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Right of Rescission. | (No Data) | Right of Rescission provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 FICO vs 660 min required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.07% LTV vs 85% allowed. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 28.23%. |
Complete |
| 312 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | An Exception Approval is in the file to allow Membership Interest Purchase Agreement. Entity vesting in seller LLC. | (No Data) | An Exception Approval is in the file | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have positive mortgage payment history reported on credit report XXXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 765. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.30% DTI is low. |
Complete |
| 313 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: XXXX years at present job CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete | |||||||||||||||
| 314 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Per guidelines, leases are required to be for a term of not less than XXXX (XXXX months. In this case XXX is rented for XXXX months. | (No Data) | Exception for the guideline deviation approved by XXX and in file. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO exceeds program min by > 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. |
Complete |
| 315 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 34.72%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX as XXXX for XXXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 815. |
Complete | |||||||||||||||
| 316 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 credit score exceeds minimum required CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for the past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on same job for the past 6 years and XXXX months |
Complete | |||||||||||||||
| 317 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 FICO exceeds program min by > 20 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. |
Complete | |||||||||||||||
| 318 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 69.20 months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO |
Complete | |||||||||||||||
| 319 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
Complete | |||||||||||||||
| 320 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.11% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 FICO CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete | |||||||||||||||
| 321 | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH122 | Foreclosure history does not meet guidelines | No | The credit report shows a real estate foreclosure in XXX which is less than four years seasoned. The XXXXt guidelines require XXXX to be XXXX years seasoned. | (No Data) | An exception was approved for the guideline deviation (qualifies as XXXX) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 722 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 321 | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | The loan file does not contain the homeowners insurance policy. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 722 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 321 | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | The loan file does not contain the borrower's ID. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 722 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 321 | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5787 | XXXX Capital Delivery Restrictions -2 | No | The loan file does not contain divorce decree/court order to verify the borrower's child support responsibility. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 722 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 322 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.22 LTV is below max allowed per guidelines CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for the past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete | |||||||||||||||
| 323 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Master insurance only has liability coverage on the XXX but replacement cost for the XXX is not included. Lender approval is on file. | (No Data) | Lender exception approval is on file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.47% DTI is below program max of 50%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 FICO exceeds program min by > 20 points. |
Complete |
| 323 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Modification forbearance must be greater than XXXX years. Lender exception approval is on file. | (No Data) | Lender exception approval is on file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.47% DTI is below program max of 50%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 FICO exceeds program min by > 20 points. |
Complete |
| 324 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 mid score > min required of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 85%. |
Complete | |||||||||||||||
| 325 | XXXXXX | XXXXXX | XXXXXX | 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 | Documentation | Satisfied | D | A | D | A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | Missing page 1 of the Mortgage.See page 1255 of the PDF. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.30% DTI is low. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 767. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 325 | XXXXXX | XXXXXX | XXXXXX | 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 | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Warranty Deed is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.30% DTI is low. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 767. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 326 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Subject property is in flood zone AE requiring flood insurance, however, a copy of the Flood Policy is missing from the loan file. Audit used amount of $XXX from lender calculations for DTI qualification. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 56%; guidelines allow 70%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .XXXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 720 |
Complete |
| 326 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Cash-Out Refinance: Seasoning = existing mortgage closing date to note date.Borrower acquired property via QCD on XXX. Private lender secures the NOTE which is in XXX name. | (No Data) | Exception for the guideline deviation approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 56%; guidelines allow 70%. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .XXXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score > min required of 720 |
Complete |
| 327 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | DTI | Waived | C | B | C | B | CRDDTI187 | Debt Ratio > 50% | No | Audit calculated DTI of 51.41% is greater than the maximum 50% DTI allowed. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 26.44% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 120.37 months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 score |
Complete |
| 328 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 653 is 33 points above the 620 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is 5% below the 80% LTV allowed. |
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| 329 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Per guidelines for a cash out refinance the property must be seasoned for XXXX months from the date of acquisition to the Note date. Subject property was acquired XXX. | (No Data) | Exception for the cash out seasoning timeline approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 FICO |
Complete |
| 330 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | The loan file does not contain a current verification of rent. Received payment ledger, complex will not provide until notice to vacate provided. XXX exception approval is in the file. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 fico |
Complete |
| 330 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5787 | XXXX Capital Delivery Restrictions -2 | No | Business duly formed with full authority to conduct real estate transactions, current purpose is for construction. XXX exception approval is in the file. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 fico |
Complete |
| 331 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Exception approved for private VOR/credit supplement in lieu of cancelled checks/bank statements to verify rent history for Borrower. | (No Data) | Exception approved for private VOR/credit supplement in lieu of cancelled checks/bank statements to verify rent history for Borrower - Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 793. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. |
Complete |
| 331 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing hazard insurance premium for "XXX" XX. The HO6 policy provided for coborrower's 2nd home is for "XXX" XXX. If "XXX, XXX" is an additional property owned, document the PITIA payment. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 793. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. |
Complete |
| 331 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP2674 | Property Issues Indicated 2 | No | Missing evidence of a stove in the kitchen. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 793. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. |
Complete |
| 332 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 credit score exceeds minimum required per guidelines |
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| 333 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The file contains 2 PPP Addendums and 2 PPP Riders reflecting different PPP charges of XXXX% and XXXX months interest. Provide the correct PPP Addendum and PPP Rider with the correct and matching PPP charges. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 FICO CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.41% LTV |
Complete |
| 333 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP241 | Property Type unacceptable under guidelines | No | XXX#XXX has a GLA of less than XXX sq. ft., while the minimum required per unit is XXXX sq. ft. | (No Data) | Exception for the guideline deviation approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 FICO CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.41% LTV |
Complete |
| 334 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5352 | Flood Effective date is greater than the transaction date | No | The effective date of XXXX on the flood insurance policy is greater than disbursement date of XXX. | (No Data) | Documentation provided to cure. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 fico CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years XXXX months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 335 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has68 months mortgage payment history XXXX. CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence |
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| 336 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.68% LTV is low. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 790. |
Complete | |||||||||||||||
| 337 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Subject zoning in non-conforming; appraiser did not confirm that the property can be rebuilt if destroyed. | (No Data) | Exception for the guideline deviation approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been living at their primary residence for XXXX years. |
Complete |
| 338 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 699 score vs 620 required. |
Complete | |||||||||||||||
| 339 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.13% DTI is below program max of 50% CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX month housing history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 FICO exceeds program min by > 20 points |
Complete | |||||||||||||||
| 340 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH148 | Credit report stale dated at closing | No | Provide credit supplement to verify primary mortgage payment history is XXXX with XXX #XXX. XXX on credit report is XXXX and NOTE date is XXX | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%. |
Complete |
| 341 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash-out reserves of XXXX months exceeds XXXX month reserve requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Middle credit score 759 exceeds minimum 660 credit score requirement. |
Complete | |||||||||||||||
| 342 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 9 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 660 is 20 points above the 640 required. |
Complete | |||||||||||||||
| 343 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.54% LTV |
Complete | |||||||||||||||
| 344 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 39.18%; guidelines allow 85%. |
Complete | |||||||||||||||
| 345 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 score CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.42% DTI |
Complete | |||||||||||||||
| 346 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Need credit supplement supporting that mortgages with XXX and XXX/XXX/XXX are paid current. Credit Report dated XXXX showing due for XXXX payments. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 660 credit score exceeds minimum required |
Complete |
| 347 | XXXXXX | XXXXXX | XXXXXX | ATR Risk: Non-QM - Lender did not document all ATR UW factors | 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: 796 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX. months of reserves |
Complete | |||||||||||||||
| 348 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3262 | Property issues indicated | No | An exception approval is in the file for XXX being out of compliance with both FNMA and the city of XXX. XXX is larger XXX+ sqft to the main primary residence XXX + sqft. | (No Data) | Exception granted dated XXXX is in file. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: 44.39% DTI vs 50% max. |
Complete |
| 348 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | An exception approval is in the file for the XXX with XXXX rental properties to use the Bank Statement program. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: 44.39% DTI vs 50% max. |
Complete |
| 349 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 791. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years XXXX months at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA. |
Complete | |||||||||||||||
| 350 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 767. |
Complete | |||||||||||||||
| 351 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves. |
Complete | |||||||||||||||
| 352 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure missing | (No Data) | LOE provided to cure. XXXX does not have an affiliated arrangement. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.08% DTI is below program max of 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO exceeds program min by > 20 points CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX months at current job |
Complete |
| 353 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC3204 | Income Documentation Missing | No | An exception approval is in the file to calculate subject rental income with a lease & XXXX months bank stmts rather than tax returns. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 736 credit score exceed guidelines by 20+ points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceeds guidelines by XXXX+ months CFCFS1736: Significant time at current residence - Clayton Comments: Borrower owns primary residence for XXXX years |
Complete |
| 353 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4415 | Missing required Cooperative Documentation | No | Missing 4506 | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 736 credit score exceed guidelines by 20+ points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceeds guidelines by XXXX+ months CFCFS1736: Significant time at current residence - Clayton Comments: Borrower owns primary residence for XXXX years |
Complete |
| 354 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 Fico |
Complete | |||||||||||||||
| 355 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 score CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX months at current job. CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV |
Complete | |||||||||||||||
| 356 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 FICO |
Complete | |||||||||||||||
| 357 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Per guidelines the maximum LTV for a cash out refinance with a 674 FICO is 70%. Loan closed at 75% LTV | (No Data) | Exception to go to 75% LTV approved by XXX and in file. | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: Good credit history. Currently XXXX on all opened tradeilines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 358 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Per guides: properties that have no zoning are ineligible. Subject property is located in XXX, XXXX, per appraiser the subject may be rebuilt if destroyed. | (No Data) | Exception for no zoning approved at 70% LTV by XXX and in file. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX months. |
Complete |
| 359 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - Clayton Comments: XXXX% Credit Utilization CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 FICO |
Complete | |||||||||||||||
| 360 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Borrower works as a XXX from XXXX to XXXX, she does not have to pay rent. Employer (who is a tenant at that address) confirmed the history. After that we have XXXX months history of rent payment history. We also have a VOR from the landlord prior to XXXX. Please advise if the housing history is met. | (No Data) | Housing history approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 score |
Complete |
| 360 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5787 | XXXX Capital Delivery Restrictions -2 | No | Borrower was a XXX since XXXX and created a business XXXX. We have XXXX months business bank statements. The issue that that we only have a letter from borrower's accountant who only has a PTIN license to verifyhistory prior to the creation of the LLC. Please advise if it is acceptable. | (No Data) | Prior income history verified by borrowers accountant who only has a PTIN approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 score |
Complete |
| 360 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | XXX to review appraisal and advised if it is acceptable. | (No Data) | Appraisal reviewed and approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 score |
Complete |
| 361 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
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| 362 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Co Borrower has been in the same profession for past XXXX years CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at current residence for the past XXXX years and XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 credit score exceeds minimum required |
Complete | |||||||||||||||
| 363 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR151 | Appraisal dated beyond acceptable date range per guidelines | No | Appraisal report is dated XXXX (should be XXXX) on page 2 and page 6. This appears to be a data input error as the comps are dated within the acceptable time range (i.e. XXXX XXXX, etc). | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 769. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXXX |
Complete |
| 364 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 716 score CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.56% DTI |
Complete | |||||||||||||||
| 365 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX+ months. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers XXXX months mortgage payment history XXXX. |
Complete | |||||||||||||||
| 366 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrowers have XXXX in reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete | |||||||||||||||
| 367 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 FICO exceeds program min by > 20 points CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.89% DTI is below program max of 50%. |
Complete | |||||||||||||||
| 368 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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 | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Borrower is living rent XXX with no housing history. Lender approval is on file. | (No Data) | Exception for living rent free approved by XXX and in file. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 FICO exceeds program min by > 20 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. |
Complete |
| 369 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 FICO exceeds program min by > 20 points CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.81% DTI is below program max of 50%. |
Complete | |||||||||||||||
| 370 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 7.21%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 765. |
Complete | |||||||||||||||
| 371 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months PITIA verified cash reserves exceeds guidelines by XXXX+ months reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 37.13%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 FICO exceeds guidelines by 20+ points |
Complete | |||||||||||||||
| 373 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete | |||||||||||||||
| 374 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Page 3, Demographic Information is not completed for the co-borrower on the final 1003. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 799 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 375 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | B | A | B | A | CRDTER2850 | ARM terms do not meet guidelines | No | updated | (No Data) | Invalid this is a XXXX fixed rate. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.82% LTV |
Complete |
| 376 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Exception approved for delinquent property taxes on primary residence. City incorrectly removed the Homestead credit causing an outstanding balance owed (appeal has been submitted). | (No Data) | Exception approved for delinquent property taxes on primary residence. City incorrectly removed the Homestead credit causing an outstanding balance owed (appeal has been submitted) - Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR is 1.198%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for XXXX years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX+ months. |
Complete |
| 376 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Exception approved for Appraiser on Exclusionary List. | (No Data) | Exception approved for Appraiser on Exclusionary List - Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR is 1.198%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for XXXX years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. |
Complete |
| 377 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | B | B | N/A | N/A | C | B | C | B | B | B | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | B | C | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | The market rent on the Rent Schedule states $XXX but the amount listed on the Operating Income Statement is $XXX. Appraiser to verify which amount is correct and make corrections as necessary. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 FICO |
Complete |
| 377 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | B | B | N/A | N/A | C | B | C | B | B | B | N/A | N/A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject property was listed for sale at the time of application which is not allowed by XXX guidelines. Listing was removed XXXX | (No Data) | Exception for subject property being listed for sale at the time of application approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 FICO |
Complete |
| 378 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 FICO CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.75% DTI |
Complete | |||||||||||||||
| 379 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 FICO score exceeds guidelines score by 20 points CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. |
Complete | |||||||||||||||
| 380 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 fico |
Complete | |||||||||||||||
| 381 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing the Loan Guaranty in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has 126.77 months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 779. CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete |
| 381 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | The 1008 in the file is illegible. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 779. CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete |
| 382 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | B | C | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | The loan file does not contain the borrower's ID. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 26.52%. |
Complete |
| 382 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER881 | Minimum square footage does not meet guidelines | No | XXX is XXX square feet which is less than the minimum XXX square feet allowed. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 26.52%. |
Complete |
| 383 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission | Active | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 score CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.81% DTI CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.42% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 384 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Per guidelines properties located in high risk geographic areas (XXX, XXXX) require investor review prior to closing. | (No Data) | Appraisal reviewed and approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 31.75% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 654 score, minimum requirement is 620. |
Complete |
| 385 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide a revised 1008 reflecting the Loan Purpose as a Cash Out Refinance. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.69% DTI CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years XXXX months at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 score |
Complete |
| 385 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | An Amortization schedule was not provided in the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.69% DTI CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years XXXX months at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 score |
Complete |
| 386 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Hazard insurance policy is effective XXXX - XXXX; a copy of the XXXX - XXXX policy is missing from the loan file. | (No Data) | Documentation provided to cure. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 387 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | An exception approval is in the file to allow 80% LTV which is greater than the maximum 75% LTV allowed for a cash out refinance. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXXmonths CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 790. CFCFS1736: Significant time at current residence - Clayton Comments: XXXX mos |
Complete |
| 388 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller paid fees are listed on the Seller CD, but not Borrower Final CD.As the fees are at least reflected, there is no material issue. | (No Data) | This exception is informational per Clayton Compliance department and TRID 2.0 revisions.Exception Satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 814 FICO exceeds program min by > 20 points CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.95% DTI is below program max of 50% |
Complete |
| 389 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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 Affiliate Business Disclosure. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 50% LTV is low. |
Complete |
| 389 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Warranty Deed is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 50% LTV is low. |
Complete |
| 389 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | Condo Questionnaire is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 50% LTV is low. |
Complete |
| 390 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $XXX / XXXX months PITI CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .XXXX% |
Complete | |||||||||||||||
| 391 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 FICO is 140 points more than program min allowable of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.47% DTI is below program max of 50%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves exceed the minimum required reserves of XXXX months. |
Complete | |||||||||||||||
| 392 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX+ months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 789. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXX (XXXX months). |
Complete | |||||||||||||||
| 393 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | A | A | A | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | No open and active mortgages reporting on initial credit will require pre-approval. | (No Data) | A pre-approval was provided for the housing history. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 qualifying score. |
Complete |
| 394 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing current policy. Policy in file starts XXXX and disbursement date was XXX | (No Data) | Documentation provided to cure. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves after closing; XXXX months PITI reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 Credit score exceeds 700 minimum credit score requirement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: XXXX mortgage payment history exceeds XXXX guideline requirement. |
Complete |
| 395 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Affiliate Business Disclosure missing from file. | (No Data) | N/A. not required. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 720 score, 60 points higher than the minimum score of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments: 17.54% DTI, max DTI is 50% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 396 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 693 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete | |||||||||||||||
| 397 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% exceeds the max LTV for <1.0 DSCR of 75%. Audit calculated DSCR at 0.988. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 740 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 397 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | As per B1 initial application and purchase agreement, subject property occupancy is/was Primary Residence. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 mid score > min required of 740 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 398 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing the Warranty Deed in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.48% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 score |
Complete |
| 399 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 80% LTV is greater than the maximum 75% LTV allowed after the 5% reduction to max eligibility when in a declining market. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 FICO score exceeds guidelines by 20 points CFCFS1736: Significant time at current residence - Clayton Comments: Borrower owned primary residence for XXXX years CFCFS2854: Significant time in profession - Clayton Comments: Borrower has owned his business for XXXX years |
Complete |
| 400 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete | |||||||||||||||
| 401 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing hazard insurance policy for the subject property - XXX. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXX (XXXX months). CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX operating same business for XXXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 746. |
Complete |
| 402 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 FICO |
Complete | |||||||||||||||
| 403 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | The appraisal desk review was completed by a company that is not from the approved list per guidelines. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 11.35%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO score exceeds the minimum FICO score by more than 20 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has $XXX in reserves. Reserves of $XXX required. |
Complete |
| 403 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file contains an exception approval due to the square footage of XXX versus guideline requirement of XXX. | (No Data) | The file contains an exception approval | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 11.35%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO score exceeds the minimum FICO score by more than 20 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has $XXX in reserves. Reserves of $XXX required. |
Complete |
| 404 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fee or fees increased at or prior to closing without a valid reason. Title Abstract and Search Fee was added for $XXXX,Title Document Preparation was added for $XXXX and Title E-Recording Fee was added for $XXXX was added on the Initial CD XXXX for as total of $XXXX, without a COC. Missing the SPL. | (No Data) | Lender provided Provisors of Service Disclosure - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 729 Fico score exceeds the minimum Fico score by more than 20 points |
Complete |
| 405 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: DSCR above minimum by .35 |
Complete | |||||||||||||||
| 406 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 720 CFCFS1734: Borrower has significant time at current job - Clayton Comments: XXXX+ years at present job CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete | |||||||||||||||
| 407 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: borrower has been a XXXX for XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 801. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA exceeds guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower owned primary home for XXXX years |
Complete | |||||||||||||||
| 408 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.79% DTI is below program max of 50%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 FICO exceeds program min by > 20 points. |
Complete | |||||||||||||||
| 409 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Per guidelines for a First Time Investor a motivation letter is required if the borrower is purchasing a property out of state from the borrower's primary residence. Borrower currently lives in XXXX and the subject is located in XXXX; a motivation letter is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 779 > GL 620 |
Complete |
| 409 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject property has a XXX with no XXX XXX agreement or recorded easement per title. | (No Data) | Exception for the guideline deviation approved by XXX and in file. | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: XXXXmonths CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 779 > GL 620 |
Complete |
| 410 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | NOTE: Lacking Primary Housing History: borrower lives rent XXX with family; however, XXXX owns XXXX rental properties free and clear. | (No Data) | Preapproval for living rent XXX approved by XXXX and in file. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has XXXX for XXXX+ months. |
Complete |
| 411 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 744. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: DSCR above minimum by .35 |
Complete | |||||||||||||||
| 412 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing Final 1003 for both borrowers | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been on same job for the past XXXX years and XXXX months CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.85% DTI is below the max allowed per guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 credit report exceeds minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at current residence for the past XXXX years and XXXX months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on same job for the past XXXX years |
Complete |
| 412 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | CD 03/02/2026-2 , Loan Calculation, Total of Payments, CD : $XXX, System calculation is $XXX. | (No Data) | Exception satisfied with PCCD disclosure of $XXX | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been on same job for the past XXXX years and XXXX months CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.85% DTI is below the max allowed per guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 credit report exceeds minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at current residence for the past XXXX years and XXXX months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on same job for the past XXXX years |
Complete |
| 412 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The Lender's DU_1008 loan approval in file does not match DU Approve/Ineligible AUS . Loan approved as XXXX | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been on same job for the past XXXX years and XXXX months CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.85% DTI is below the max allowed per guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 credit report exceeds minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at current residence for the past XXXX years and XXXX months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been on same job for the past XXXX years |
Complete |
| 413 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .12% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete | |||||||||||||||
| 414 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | The Amortization Schedule is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 722 FICO CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 415 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 FICO CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1737: LTV below guideline requirements - Clayton Comments: 53.48% LTV |
Complete | |||||||||||||||
| 416 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months PITIA reserves exceeds minimum required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 credit score exceeds minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for past XXXX years and XXXX months |
Complete | |||||||||||||||
| 417 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 Fico score exceeds the minimum Fico score by more than 20 points |
Complete | |||||||||||||||
| 418 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 credit score exceeds minimum required |
Complete | |||||||||||||||
| 419 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years XXXX months at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 score |
Complete | |||||||||||||||
| 420 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 26.20%. |
Complete | |||||||||||||||
| 421 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | B | C | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | The loan file does not contain the borrower's ID. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.14% |
Complete |
| 422 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | The file is missing the XXX Lock report. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 778. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 25.38% is less than the Max |
Complete |
| 423 | XXXXXX | XXXXXX | XXXXXX | 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 | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD. | (No Data) | Seller CD provided to cure. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 FICO exceeds program min by > 20 points. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.27% DTI is below program of 50%. |
Complete |
| 423 | XXXXXX | XXXXXX | XXXXXX | 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 | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | The 1008 in the file is illegible. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 FICO exceeds program min by > 20 points. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.27% DTI is below program of 50%. |
Complete |
| 424 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete | |||||||||||||||
| 425 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4643 | Borrower does not meet guideline requirements | No | Missing explanation addressing the tenants on the lease for the subject property. It appears the tenants renting the subject property are related to the borrower. The tenants on the lease agreement are XXX and XXX. The borrower's last name is also XXX. DSCR guidelines do not allow for property to be occupied by immediate family. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX+ months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 742. |
Complete |
| 426 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.15% DTI |
Complete | |||||||||||||||
| 427 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 52.88% LTV below guideline requirements by 20points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines by XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 FICO score exceeds guidelines by 20point |
Complete | |||||||||||||||
| 428 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Application | Waived | B | B | B | B | CRDAPP130 | Application is incomplete | No | Per guides, if a property has no zoning it isconsidered ineligible. XXX property islocated in XXX Texas and is located inPUD close to all services. | (No Data) | Exception for no zoning approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 60% LTV CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 45.83 months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 770 FICO |
Complete |
| 429 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 mid score > min required of 660 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ .XXXX% |
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| 430 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 FICO score exceed guidelines by 20points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines by XXXX months |
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| 431 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Per XXX guidelines and XXX variance letter. max XXXX loans or XXXX to same borrower/guarantor or XXXX+ loans in the same area without pre-approval. Currently XXXX financed properties per payoff ledger in file. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX+ months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXX(XXXX months). CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR is 1.310. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 804. |
Complete |
| 431 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Loan is not eligible under the Investor Premier program due to the appraisal marked as XXX but the subject is zoned "XXX XXX- XXX". | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX+ months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXX(XXXX months). CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR is 1.310. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 804. |
Complete |
| 432 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 728 is 68 points above the 660 required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years XXXX months at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 21.73% below guideline requirement. |
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| 433 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | The loan closed in a LLC and the file does not contain verification of the EIN as required. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico |
Complete |
| 433 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5787 | XXXX Capital Delivery Restrictions -2 | No | The loan file does not contain the business purpose cert. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 fico |
Complete |
| 434 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2862 | Copy of Note in file is incomplete | No | Missing executed page 6 (signature page) of the Note. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have over XXXX months of Reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. |
Complete |
| 435 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing documentation to verify the following deposits on XXXX into the XXX business account ending XXX were income related: $XXX and $XXX(this is a different deposit from the wire received on XXXX from XXX Bank). Without these two deposits, DTI is > 50% (51.39%). | (No Data) | omitted large deposits. DTI is 48.65% | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 790. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX operating as same business for XXXX years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. |
Complete |
| 435 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Per guidelines Businesses such as XXX, XXX, XXX/XXX, XXX, XXX, XXX, or XXX are ineligible for 3rd party expense ratio and no less than XXXX% expense factor applied. Borrower is a XXX and the loan was underwritten with a XXXX% expense factor which is not within XXX guidelines. | (No Data) | An exception was approved by XXX to use a XXXX% expense factor. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 790. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX operating as same business for XXXX years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. |
Complete |
| 436 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Appraisal | Waived | B | B | B | B | PRVAAPPR4775 | Missing Market Rent Analysis | No | An exception approval is in the file for no 1007. Not using rental income to qualify. CDA has been ordered as a rush due date of XXXX- Another exception was granted for this customer for loan number XXX. | (No Data) | Exception dated XXXX is in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.58% DTI CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 score |
Complete |
| 437 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX+ months. CFCFS1737: LTV below guideline requirements - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence |
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| 438 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 43.48% is below the maximum of 70% LTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $XXX(XXXX months) exceed the minimum requirement of $XXX (XXXX months). CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 687 exceeds the minimum of 620. |
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| 439 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits | No | Explanation for large deposits is needed: Large deposit on XXXX in XXX acct #XXX in the amount of $XXXXand on XXXX in the amount of $XXXX, LOX not provided. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence |
Complete |
| 440 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 80%. (FTI) CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
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| 441 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | The borrower holds title and note of primary and subject but the mortgage was paid by someone not on the note. | (No Data) | Exception for borrower not making the mortgage payments approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 Fico score exceeds the minimum Fico score by more than 20 points CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history for subject |
Complete |
| 442 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | The 1007 Rent Schedule and lease agreement are missing from the loan file. Unable to calculate DSCR score. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 FICO exceeds program min by > 20 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 442 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | The Flood Certificate is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 FICO exceeds program min by > 20 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 442 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Loan closed in the name of a corporation, XXX; however, the business entity docs are missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 FICO exceeds program min by > 20 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 442 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Provide an SSR report with CU score <=2.5 or a 3rd party valuation product from the list of XXX approved desk review vendors. (XXX, XXX, XXX, XXX, XXX). | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 FICO exceeds program min by > 20 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 442 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | The appraisal is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 FICO exceeds program min by > 20 points. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 443 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 | 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-As documented on the Final CD, there is a escrow waiver on file as well. | (No Data) | Lender provided XXXX corrected PCCD - Exception satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 FICO |
Complete |
| 444 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Per guidelines XXXX months reserves are required post-close. Borrower currently has XXXX months. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 FICO CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence |
Complete |
| 445 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. XXX, XXX, etc.). In this case, the documentation is not included in the loan file. | (No Data) | Documentation provided to cure. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 712 score |
Complete |
| 446 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. XXX, XXX, etc.). In this case, the documentation is not included in the loan file. | (No Data) | Documentation provided to cure. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 712 FICO CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX+ months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have XXXX months mortgage payment history XXXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 446 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | CU Score is 3.0. A third party appraisal review from a XXX approved vendor is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 712 FICO CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX+ months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have XXXX months mortgage payment history XXXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 447 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | The Business Purpose and Occupancy Affidavit is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO CFCFS1736: Significant time at current residence - Clayton Comments: XXXXmos CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.89% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months |
Complete |
| 448 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing support documents for B1 income of $XXX from XXX XXX employment. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 FICO exceeds program min by > 20 points CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.49% DTI is below program max of 45%. |
Complete |
| 449 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | The loan was approved as an Asset Utilization program requiring assets used for qualifying seasoned fir XXXX days. The assets being used from XXX accounts #XXX & XXX are missing from the loan file (all 4 months). | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 score CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.17% DTI |
Complete |
| 449 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | The Hazard Insurance policy for the subject property is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 score CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.17% DTI |
Complete |
| 450 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure missing from file | (No Data) | Document provided verifying the lender does not have an affiliated arrangement. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been living at the subject for XXXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 450 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Satisfied with PCCD in file. | (No Data) | Satisfied with PCCD in file. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been living at the subject for XXXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 450 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | 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 | Satisfied with PCCD in file. | (No Data) | Satisfied with PCCD in file. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been living at the subject for XXXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 450 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file has an exception for appraisal review/exclusionary list. | (No Data) | Appraisal review and approved by XXXX and in file. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been living at the subject for XXXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 451 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | B | A | B | A | CRDTER2850 | ARM terms do not meet guidelines | No | repushed | (No Data) | Invalid this is a XXXX fixed rate. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 778. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete |
| 452 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | B | B | A | A | D | B | D | B | B | B | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | An exception approval is in the file. Borrower has been renting for Past XXXX months, Prior history Living rent XXX. Can obtain VOR for past XXXX Months only w/ Rent free letter prior to beginning of Lease | (No Data) | An exception approval is in the | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV below guidelines by 5%+ CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA exceeds guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 FICO score exceeds guidelines by 20+ points |
Complete |
| 452 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | B | B | A | A | D | B | D | B | B | B | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing the Amortization Schedule in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV below guidelines by 5%+ CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA exceeds guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 FICO score exceeds guidelines by 20+ points |
Complete |
| 452 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | B | B | A | A | D | B | D | B | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP243 | Property Shows Significant Deferred Maint. or Repairs Needed | No | An exception approval is in the file. The condo has outstanding XXX repairs referenced on the XXXX inspection report that do not allow for conventional. XXX does not require repairs. (There were XXXX of XXXX XXX that needed repairs with a red tag). XXX (subject is not one of them). | (No Data) | An exception approval is in the | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV below guidelines by 5%+ CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA exceeds guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 FICO score exceeds guidelines by 20+ points |
Complete |
| 453 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $XXX = 30.64 months piti > GL 6 months piti $XXX CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 8..67% < GL 55% |
Complete | |||||||||||||||
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | 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 | ATR/QM: Status Pending due to missing the Note, Mortgage, Final 1003, Final executed HUD/CD in the file. | (No Data) | Documentation provided to cure. | (No Data) | (No Data) | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | Mortgage missing from file | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC195 | Missing Note | No | Note missing from file | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | 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 | Final executed CD missing from file | (No Data) | Documentation provided to cure. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC5553 | Missing sufficient documentation to determine High Cost Fees and APR Limits | No | Final executed CD missing from file | (No Data) | Documentation provided to cure. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | 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 | Final executed CD missing from file | (No Data) | Final CD provided | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | (No Data) | (No Data) | Lender provided sellers CD - Exception Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | MISSING final executed 1003. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Assets | Waived | B | B | B | B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | XXXX GUIDELINES: All accountholders must be borrowers on the loan. Spouse is not on the loan, letter of explanation provided. An exception approval is in the file - Non-borrowing Spouse has no score, using joint trust assets as income. Access Letter provided. She will be a titleholder. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing the Amortization Schedule in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Legal Documents | Waived | B | B | B | B | CRDLGL100 | Legal document incorrect or incomplete | No | XXXX GUIDELINES: Borrowers with no investment properties retaining their departing residence require preapproval. An approval is in the file - upgrading to a larger home in the same development. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 454 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Mortgage deed is missing, unable to verify if TITLE agrees with Mortgage. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 mid score > min required of 700 CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.35% is 40.65% below the 80% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 455 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 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 | RESPA - List of homeowners counseling organizations not in file | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.95% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves. |
Complete |
| 455 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing mortgage statement, Tax bill, HOI and HOA if any for departing residence at XXX | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.95% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves. |
Complete |
| 455 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Borrowers retaining their departing residence as an investment with no landlord experience requires pre-approval. | (No Data) | A pre-approval was provided by XXX. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.95% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves. |
Complete |
| 456 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA exceeds guidelines by XXXX+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 FICO score exceeds guidelines by 20+ points |
Complete | |||||||||||||||
| 457 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Borrowers living rent free requires pre-approval. | (No Data) | Exception for living rent free approved at 70% by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 707 is 47 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA. |
Complete |
| 457 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5787 | XXXX Capital Delivery Restrictions -2 | No | Appraisal to be reviewed by XXX | (No Data) | Appraisal reviewed and approved at 70% by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 707 is 47 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA. |
Complete |
| 458 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for the past XXXX years and 5 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required per guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 credit score exceeds minimum required per guidelines |
Complete | |||||||||||||||
| 459 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 796. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 28.83%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. CFCFS3824: Borrower contributed an additional down payment - Clayton Comments: Borrower contributed an additional XXXX% down payment. |
Complete | |||||||||||||||
| 460 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at the same residence for the past XXXX years and XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 credit score exceeds minimum required |
Complete | |||||||||||||||
| 461 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 FICO exceeds program min by > 20 points. |
Complete | |||||||||||||||
| 462 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower is XXXX for the mortgage reporting on the credit report. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score exceeds minimum required |
Complete | |||||||||||||||
| 463 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3262 | Property issues indicated | No | An exception approval is in the file to not repair the broken window mentioned in the appraisal report. The appraisal report is completed "as is". | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 fico CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 464 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | According to guidelines, First time investors must have a minimum score of 680, in this case, the borrower's score is only 641. An exception approval is in the file. Borrower is considered a first-time investor for owning the property for less than XXXX months by XXXX days. Borrower purchased property XXX. | (No Data) | Exception granted dated XXXX is in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR of 1.589 CFCFS1737: LTV below guideline requirements - Clayton Comments: 29.48% LTV |
Complete |
| 465 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have been living a the subject for 15 years |
Complete | |||||||||||||||
| 466 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Deed of trust is vested in a corporation, XXX. However the business documents including the Operating Agreement/ Bylaws, Certificate of Formation/Articles of Organization, Certificate of Good Standing or equivalent document, and verification of the entity EIN Tax ID # are missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: DSCR above minimum by .58 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 466 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Waived | B | A | B | A | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrowers living rent free require pre-approval. | (No Data) | Approval for borrower living rent free approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: DSCR above minimum by .58 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 467 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing exception for no primary housing history in the last 12 months. Borrower lives rent free with brother. Mortgage reporting on credit report for other investment property is XXXX months. | (No Data) | A pre-approval was provided for the housing history. | (No Data) | Not Applicable | CFCFS3824: Borrower contributed an additional down payment - Clayton Comments: Borrower contributed an additional XXXX% down payment. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 764. |
Complete |
| 468 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Application | Waived | B | B | B | B | CRDAPP2298 | Missing Second Appraisal | No | The attached appraisal is subject to a 3rd party inspection. (I had originally asked the appraiser to comment whether theitems in question could impact safety etc.). He does confirm that it doesn't, however he also updated the report to subject to a 3rd party inspection. | (No Data) | Appraisal reviewed and approved by XXX, max loan amount $XXX | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines by XXXX months PITIAS CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV changed from 75 to 70.97 LTV changed from 75 to 70.97 |
Complete |
| 468 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | Per guidelines XXXX months seasoning is required for a cash out refi. Seasoning = Borrower's existing mortgage closing date to the note date; original closing date was XXX and the new Note date is XXX which is < XXXX months. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines by XXXX months PITIAS CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV changed from 75 to 70.97 LTV changed from 75 to 70.97 |
Complete |
| 469 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Exception Request for Housing History. Borrower purchased subject property with cash on XXX. Borrower lives rent free with relative. Mortgagee reflected on credit report was reviewed for only XXXX months. | (No Data) | Exception for living rent free with an incomplete housing history approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 credit score exceeds minimum required per guidelines CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for past XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXX verified cash reserves exceed minimum required |
Complete |
| 470 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 | LE XXXX reflects Points the amount of $XXXX. Final CD points disclosed as $XXXX,for an increase of $XXXX without a valid Change in Circumstance (CIC). Requires CIC, or corrected PCCD, copy of refund check , LOX and verification of shipping. | (No Data) | Lender provided evidence of $XXXX0 refund - Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 470 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | The loan file does not contain lender calculation of income. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 470 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | The loan was locked as 24 months bank statements but the file does not contain 24 full months. The loan file contains only 12 months statements from the borrower's business and the personal statements in the file overlap with the business statements. The auditor calculated income using the most recent 12 months of business statements in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 470 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | The loan file is missing business bank statement from XXXX | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 471 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing VOR for current residence. | (No Data) | not required per AUS findings | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 471 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS approval. Loan approved XXXX program. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 471 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Exception requested due to Non Warrantable Condo and Cond Project has ongoing XXXX Repairs.Assessments are < XXX for each unit and the units are valued > XXX | (No Data) | Exception for non-warrantable condo with ongoing XXXX repairs approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 472 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC126 | Length of employment/self-employment does not meet guidelines | No | XXXX Employees require a minimum XXXX-year XXX history required with the same company (i.e., XXXX income). Further, the borrower must have a minimum of XXXX years of residency in the U.S. The co-borrower does not have a XXXX year history with the same company and lived in XXX as a XXX XXX prior to XXXX. | (No Data) | Exception approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 score CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 473 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | 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 | CD XXXX APR disclosed as XXXX%. Final CD APR disclosed as XXXX%. | (No Data) | Increase of XXXX is within tolerance satisfying exception. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.70% DTI is below program max of 50%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX months at current job. |
Complete |
| 473 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing mortgage statement and or tax cert, and HOA if any for investment property at XXX | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.70% DTI is below program max of 50%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX months at current job. |
Complete |
| 473 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing 1008 | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: 19.70% DTI is below program max of 50%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX months at current job. |
Complete |
| 474 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for the past XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum |
Complete | |||||||||||||||
| 475 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: XXXXmos CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA vs XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 722 is 62 points above the 660 required. |
Complete | |||||||||||||||
| 476 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has good credit history. Currently XXXX on all open trade lines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 credit score exceeds minimum required |
Complete | |||||||||||||||
| 477 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Per guidelines XXXX months post reserves are required. Borrower has XXXX months of reserves | (No Data) | Exception to waive reserve requirement ($XXXX reserves) approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 34.22%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 724. |
Complete |
| 477 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing exception for no housing history on a non-arms length transaction. Borrower (and his family) lives rent XXX in the subject property he is purchasing from spouse's cousin. | (No Data) | A pre-approval was provided for the housing history. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 34.22%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 724. |
Complete |
| 478 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Provide a legible copy of the 1008 Transmittal Summary. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 fico |
Complete |
| 479 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Provide a copy of the XXX Rate Lock | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX month at current job. |
Complete |
| 480 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete | |||||||||||||||
| 481 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The amortization schedule is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 682 FICO |
Complete |
| 482 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete | |||||||||||||||
| 483 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Missing exception for borrower not meeting Continuity of Obligation. Per guidelines at least one borrower on the refinance mortgage must hold title for the most recent XXXX months. Borrower was added to title XXXX and the other XXXX individuals on title are not on the refinance loan. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 793. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXXX. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.09%. |
Complete |
| 483 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing a valid project review along with a completed XXXX Condo Project Questionnaire. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 793. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXXX. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.09%. |
Complete |
| 484 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower is XXXXfor mortgage history reporting on the credit report. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA. |
Complete | |||||||||||||||
| 485 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 FICO exceeds program min by > 20 points |
Complete | |||||||||||||||
| 486 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS5269: Minimal use of credit - Clayton Comments: XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 FICO exceeds program min by > 20 points |
Complete | |||||||||||||||
| 487 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Desk review not provided and is required. UCDP is 3.4. CDA in file is for a different borrower/ different property. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX+ months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 FICO |
Complete |
| 488 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.65% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 681 score vs 620 min required. |
Complete | |||||||||||||||
| 489 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete | |||||||||||||||
| 490 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | State High Cost | Satisfied | C | B | C | B | CMPSTHC320 | NY High-Cost Loan by exceeding point and fee threshold | No | Adjusted Charges$XXXXTotal Loan Amount$XXXX1Maximum Charges %XXXX%Maximum ChargesXXXXharges Margin to Threshold$XXXXTotal Charges %XXXX%Exceeds fees test threshold? YES | (No Data) | Not valid. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 26.79%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: XXXX years at present job |
Complete |
| 490 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing the 1008 in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 26.79%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: XXXX years at present job |
Complete |
| 491 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | CPA letter used for a third party expense factor does not meet the minimum guideline requirements. CPA must attest that the Expense Ratio represents an accurate summary of the applicable cash expenses of the business, letter must be wet signed and the tax professionals license must be verified. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have XXXX months mortgage payment history XXXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 FICO CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 491 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | A business narrative describing the nature of the business is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 58 months mortgage payment history XXXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 FICO CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 492 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at primary residence for XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO score exceeds guidelines by 20+ points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA exceeds guidelines by 6+ months |
Complete | |||||||||||||||
| 493 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $XXX / XXXX months PITIA CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete | |||||||||||||||
| 494 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing the following months of mortgage payments on the first mortgage with XXX: XXXX, XXXX and XXXX. Also appears the XXXXpayment was XXXX late (paid XXXX per mortgage statement) | (No Data) | Mortgage statements provided showing mortgage history. XXXX late approved with an llpa. | (No Data) | Not Applicable | CFCFS1752: No Verified Compensating Factors - Clayton Comments: No verified compensating factors. |
Complete |
| 495 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 score CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.97% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete | |||||||||||||||
| 496 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | The Amortization Schedule is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 686 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 497 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | The Amortization Schedule is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: XXXXmonths CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 498 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing the Amortization Schedule in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA exceeds guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 686 FICO score exceed guidelines by 20+ points |
Complete |
| 499 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.16% DTI is below program max of 50%. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 FICO exceeds program min by > 20 points. |
Complete | |||||||||||||||
| 500 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete | |||||||||||||||
| 501 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing Initial CD. Documentation in file indicates a CD was issued XXXX | (No Data) | Lender provided Initial XXXXCD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 fico CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 32.03%. |
Complete |
| 501 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Documentation in file indicates a CD was issued XXXX | (No Data) | Lender provided Initial XXXXCD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 fico CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 32.03%. |
Complete |
| 501 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing Initial CD. Documentation in file indicates a CD was issued XXXX | (No Data) | Lender provided Initial XXXXCD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 812 fico CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 32.03%. |
Complete |
| 502 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 700 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete | |||||||||||||||
| 503 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: XXXXmonths all tradelines CFCFS1736: Significant time at current residence - Clayton Comments: XXXX yrs |
Complete | |||||||||||||||
| 504 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Loan was approved as a 12 months business bank statement program, however, only 1 month bank statement (XXXX) was provided in the loan file | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 score CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. |
Complete |
| 504 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2340 | Employment verification does not meet guidelines | No | Provide documentation verifying each borrower's specific ownership percentage in XXX | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 score CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. |
Complete |
| 504 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Provide a Business Narrative which includes detail related to the size/scope and operating profile of the business. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 score CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. |
Complete |
| 505 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has XXXX for XXXX months. |
Complete | |||||||||||||||
| 506 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | The appraiser is unable to provide a 1007 that supports comps for the XXX. No rental income is being used to qualify. | (No Data) | Exception approved by XXX and in file | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete |
| 507 | XXXXXX | XXXXXX | XXXXXX | 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 | CFCFS1734: Borrower has significant time at current job - Clayton Comments: XXXX years at present job CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have XXXX months mortgage payment history XXXX. |
Complete | |||||||||||||||
| 508 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI of 30.59% is less than the Max CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been XXX for the last XXXX years XXXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 731. |
Complete | |||||||||||||||
| 509 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | An exception approval is in the file to al1ow the loan at 67.85% LTV, which is greater than the 0% LTV allowed for a cashout refinance with a DSCR less than 1.0 and in a declining market. | (No Data) | An exception approval is in the file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 score |
Complete |
| 509 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4643 | Borrower does not meet guideline requirements | No | DSCR < 1.00 only allows for Purchase and Rate & Term refinance. The loan was approved as a cash out refinance with a DSCR calculation of .7980, which is ineligible. An exception approval is in the file. | (No Data) | An exception approval is in the file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 score |
Complete |
| 510 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 57%; guidelines allow 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers XXXX months mortgage payment history XXXX. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete | |||||||||||||||
| 511 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceeds guidelines by more than XXXX month PITIAS CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 Fico score exceeds guidelines by 20 points |
Complete | |||||||||||||||
| 512 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | A 12 month housing history is required. No open and active mortgages reporting on initial credit or borrowers living rent XXX require pre-approval. Borrower lives rent free with XXXX | (No Data) | A pre-approval was provided for the housing history. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 score CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.98% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 512 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | The tax preparer did not attest that he/ she has audited the business financial statements or reviewed the working papers provided by the borrower. | (No Data) | XXXX has approved the CPA letter. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 score CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.98% DTI CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves |
Complete |
| 513 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing the executed Final HUD-1/CD for the cash out refinance to verify the proceeds of $XXX as noted on the 1003 | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX yrs CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 780. CFCFS2854: Significant time in profession - Clayton Comments: XXXX yrs XXX for B1 & B2 |
Complete |
| 514 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $XXX / XXXX months PITI > min required of $XXX CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX+ months. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete | |||||||||||||||
| 515 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing evidence of the owner of XXX. XXX Bank business CD account (XXX) is in the name of this LLC. Funds are needed for cash to close and reserves. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 806. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR is 1.564%. |
Complete |
| 516 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 655 credit score exceeds minimum 620 required per guidelines CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for past XXXX years |
Complete | |||||||||||||||
| 517 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of XXXX months PITIA exceeds guidelines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 682 FICO score exceeds guidelines by 20+ points CFCFS2854: Significant time in profession - Clayton Comments: Borrower had own business for XXXX years |
Complete | |||||||||||||||
| 518 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR is 1.3173 |
Complete | |||||||||||||||
| 519 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL100 | Potential title issue | No | The Title Policy Amount of $XXX is less than the Note amount of $XXX based on the Commitment in file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 520 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | The homeowners insurance coverage of $XXX is less than the required coverage of $XXX. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves exceeds minimum of XXXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: the credit sore of 790 exceeds the minimum score of 620. |
Complete |
| 520 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | The subject loan closed in a LLC and the loan file does not contain verification of the EIN as required. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves exceeds minimum of XXXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: the credit sore of 790 exceeds the minimum score of 620. |
Complete |
| 521 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete | |||||||||||||||
| 522 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing VOM and or cancelled checks for mortgage with XXX | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 685 credit score exceeds minimum required per guidelines CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: borrower has XXXX mortgage payment history for past XXXX months reviewed reporting on credit report |
Complete |
| 523 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | B | A | C | B | C | B | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP2129 | MD Counseling Notice not in file | No | MD Counseling Notice not in file. | (No Data) | Lender provided MD Homeownership Counseling Notice-Disclosure - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 703 credit score exceeds minimum of 660 required per guidelines CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for past XXXX years and XXXX months |
Complete |
| 523 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | B | A | C | B | C | B | A | A | B | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Income Calculation worksheet | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 703 credit score exceeds minimum of 660 required per guidelines CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for past XXXX years and XXXX months |
Complete |
| 523 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | B | A | C | B | C | B | A | A | B | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3654 | Borrower(s) do not meet guideline requirements for citizenship status | No | ITIN's and Foreign Nationals are ineligible per guidelines. | (No Data) | Per XXXX overlay, EAD only borrowers are allowed except C09. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 703 credit score exceeds minimum of 660 required per guidelines CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for past XXXX years and XXXX months |
Complete |
| 523 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | B | A | C | B | C | B | A | A | B | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXXX Capital Delivery Restrictions -1 | No | Missing XXX Rate Lock | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 703 credit score exceeds minimum of 660 required per guidelines CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for past XXXX years and XXXX months |
Complete |
| 523 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | B | A | C | B | C | B | A | A | B | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Exception requested for XXXX months reserves on Departing residence when XXXX months is required | (No Data) | An exception was provided dated XXXX allowing the XXXX months of reserves. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 703 credit score exceeds minimum of 660 required per guidelines CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for past XXXX years and XXXX months |
Complete |
| 524 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has XXXX on mortgage payment history CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.95 LTV is below max allowed per guidelines CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 679 credit score exceeds minimum required |
Complete | |||||||||||||||
| 525 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 62.22% < GL 75% CFCFS2860: Good credit history - Clayton Comments: XXXX months |
Complete | |||||||||||||||
| 526 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower XXXX months mortgage payment history XXXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $XXX/ XXXX months PITIA > min required of XXXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 682 is 22 points above the 660 required. |
Complete |
| Client Name: | XXXXXX |
| Client Project Name: | XXXXXX |
| Start - End Dates: | XXXXXX |
| Deal Loan Count: | 323 |
| Conditions Report 2.0 | |
| Loans in Report: | 323 |
| Loans with Conditions: | 190 |
| Deal ID | Loan Number | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Did Lender Acknowledge Exception at Origination |
| 202 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable |
| 203 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | B | B | N/A | N/A | B | B | B | B | B | B | N/A | N/A | Not Applicable |
| 204 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 205 | XXXXXX | XXXXXX | XXXXXX | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Not Applicable |
| 206 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 207 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Not Applicable |
| 208 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Not Applicable |
| 209 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Not Applicable |
| 210 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Not Applicable |
| 211 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 212 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 213 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 214 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | No |
| 215 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 216 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 217 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 218 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 219 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Not Applicable |
| 220 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 221 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 222 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 223 | XXXXXX | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| 225 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 226 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 227 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 228 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 229 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 230 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | Not Applicable |
| 231 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Not Applicable |
| 232 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Not Applicable |
| 233 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 234 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 235 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 236 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 237 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No |
| 238 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 239 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 240 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 241 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 242 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 243 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 244 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 245 | XXXXXX | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 246 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 247 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 248 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 249 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 250 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 251 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 252 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 253 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 254 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 255 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 256 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 257 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 258 | XXXXXX | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | No |
| 259 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 260 | XXXXXX | XXXXXX | XXXXXX | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | No |
| 261 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 262 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 263 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 264 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 265 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | No |
| 266 | XXXXXX | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 267 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Not Applicable |
| 268 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 269 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 270 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No |
| 271 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 272 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | No |
| 273 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Yes |
| 274 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | No |
| 275 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 276 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 277 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 278 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 279 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 280 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 281 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 282 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 283 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 284 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 285 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 286 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 287 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 288 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 289 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 290 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 291 | XXXXXX | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| 292 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 293 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | No |
| 294 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 295 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 296 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 297 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 298 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 299 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 300 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Yes |
| 301 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 302 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 303 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 304 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 305 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Not Applicable |
| 306 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 307 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 308 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 309 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 310 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | No |
| 311 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable |
| 312 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 313 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 314 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 315 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 316 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 317 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 318 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 319 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 320 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 321 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 322 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 323 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 324 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 325 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 326 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 327 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 328 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 329 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | No |
| 330 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 331 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | C | A | A | A | D | B | D | B | C | A | A | A | No |
| 332 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 333 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | No |
| 334 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 335 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 336 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 337 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Yes |
| 338 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 339 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 340 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 341 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 342 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 343 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 344 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 345 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 346 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 347 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 348 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 349 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 350 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 351 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 352 | XXXXXX | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 353 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 354 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 355 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 356 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 357 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 358 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 359 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 360 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | No |
| 361 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 362 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 363 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | No |
| 364 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 365 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 366 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 367 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 368 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 369 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 370 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 371 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 373 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 374 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 375 | XXXXXX | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| 376 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 377 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | B | B | N/A | N/A | C | B | C | B | B | B | N/A | N/A | Not Applicable |
| 378 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 379 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 380 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 381 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 382 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 383 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No |
| 384 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | No |
| 385 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 386 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 387 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 388 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 389 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Not Applicable |
| 390 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 391 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 392 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 393 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 394 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 395 | XXXXXX | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | No |
| 396 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 397 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 398 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 399 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 400 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 401 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 402 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 403 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 404 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 405 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 406 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 407 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 408 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Not Applicable |
| 410 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 411 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 412 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| 413 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 414 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 415 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 416 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 417 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 418 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 419 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 420 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 421 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 422 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 423 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 424 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 425 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 426 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 427 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 428 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 429 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 430 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 431 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | No |
| 432 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 433 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 434 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 435 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 436 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Not Applicable |
| 437 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 438 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 439 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 440 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 441 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 442 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Not Applicable |
| 443 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 444 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Not Applicable |
| 445 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 446 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | Not Applicable |
| 447 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 448 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 449 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 450 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Yes |
| 451 | XXXXXX | XXXXXX | XXXXXX | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | Not Applicable |
| 452 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | B | B | A | A | D | B | D | B | B | B | A | A | Not Applicable |
| 453 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 454 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| 455 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Not Applicable |
| 456 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 457 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 458 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 459 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 460 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 461 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 462 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 463 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 464 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 465 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 466 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Yes |
| 467 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 468 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 469 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 470 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| 471 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 472 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 473 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 474 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 475 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 476 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 477 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 478 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 479 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 480 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 481 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 482 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 483 | XXXXXX | XXXXXX | XXXXXX | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Not Applicable |
| 484 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 485 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 486 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 487 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 488 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 489 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 490 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| 491 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 492 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 493 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 494 | XXXXXX | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| 495 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 496 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 497 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 498 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 499 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 500 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 501 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 502 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 503 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 504 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 505 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 506 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 507 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 508 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 509 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 510 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 511 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 512 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 513 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 514 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 515 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 516 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 517 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 518 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 519 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 520 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 521 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 522 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 523 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | B | A | C | B | C | B | A | A | B | A | Not Applicable |
| 524 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 525 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 526 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |