EXHIBIT 99.19
clayton CONDITIONS report
| Client Name: | XXXXX |
| Client Project Name: | XXXXX |
| Start - End Dates: | XXXXX |
| Deal Loan Count: | 374 |
| Conditions Report 2.0 | |
| Loans in Report: | 374 |
| Loans with Conditions: | 191 |
| 0 - Total Active Conditions | ||||||
| 217 - Total Satisfied Conditions | ||||||
| 153 - Credit Review Scope | ||||||
| 11 - Category: Application | ||||||
| 6 - Category: Assets | ||||||
| 12 - Category: Credit/Mtg History | ||||||
| 4 - Category: DTI | ||||||
| 13 - Category: Income/Employment | ||||||
| 20 - Category: Insurance | ||||||
| 39 - Category: Legal Documents | ||||||
| 1 - Category: LTV/CLTV | ||||||
| 1 - Category: Potential Misrepresentation | ||||||
| 42 - Category: Terms/Guidelines | ||||||
| 4 - Category: Title | ||||||
| 19 - Property Valuations Review Scope | ||||||
| 13 - Category: Appraisal | ||||||
| 6 - Category: Property | ||||||
| 45 - Compliance Review Scope | ||||||
| 8 - Category: Ability to Repay/Qualified Mortgage | ||||||
| 2 - Category: Compliance Manual | ||||||
| 2 - Category: Documentation | ||||||
| 1 - Category: Federal Consumer Protection | ||||||
| 2 - Category: RESPA | ||||||
| 1 - Category: Right of Rescission | ||||||
| 1 - Category: State Consumer Protection | ||||||
| 1 - Category: TILA | ||||||
| 27 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 103 - Total Waived Conditions | ||||||
| 92 - Credit Review Scope | ||||||
| 4 - Category: Application | ||||||
| 6 - Category: Assets | ||||||
| 10 - Category: Credit/Mtg History | ||||||
| 3 - Category: DTI | ||||||
| 8 - Category: Income/Employment | ||||||
| 2 - Category: Legal Documents | ||||||
| 6 - Category: LTV/CLTV | ||||||
| 53 - Category: Terms/Guidelines | ||||||
| 9 - Property Valuations Review Scope | ||||||
| 4 - Category: Appraisal | ||||||
| 5 - Category: Property | ||||||
| 2 - Compliance Review Scope | ||||||
| 1 - Category: Repayment Ability | ||||||
| 1 - Category: RESPA | ||||||
| ©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. |
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| Client Name: | XXXXX |
| Client Project Name: | XXXXX |
| Start - End Dates: | XXXXX |
| Deal Loan Count: | 374 |
| Conditions Report 2.0 | |
| Loans in Report: | 374 |
| Loans with Conditions: | 191 |
| 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 | ConditionSub 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 |
| 103 | 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 Note and amortization schedule incorrectly reflect an IO payment of $XXXX, but the actual IO payment calculation results in an IO payment of $XXXX | The seller provided a signed copy of the note and the amortization schedule to cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 FICO score exceeds minimum FICO requirements by over 20 points based on LTV CFCFS2860: Good credit history - Clayton Comments: No lates listed on the credit report CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves exceeds minimum reserve requirement by more than XXXX months |
Complete |
| 104 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | C | B | A | A | C | B | C | A | C | B | 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) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | 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% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete |
| 104 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | According to the underwriting guidelines, no open and active mortgages reporting on the initial credit will require pre-approval. In this case, the borrower lives rent free at subject property with partner. | (No Data) | A pre-approval was provided for the housing history. | (No Data) | Not Applicable | 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% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete |
| 104 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | Property Valuations | Property | Waived | C | B | C | B | PRVAPROP241 | Property Type unacceptable under guidelines | No | According to the underwriting guidelines, XXXX are an ineligible property type. An exception was provided allowing the property. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | 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% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete |
| 105 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3268 | Note in file is incomplete | No | Final CD indicates a XXXX I/O product with the payment matching the payment disclosed on the Note. The Note, Mortgage, and Riders do not indicate any I/O feature. | (No Data) | Lender provided corrected PCCD - Exception cancelled. | (No Data) | (No Data) | 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% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete |
| 105 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves of XXXX months is less than the minimum XXXX months reserves required. | (No Data) | PCCD Document provided to cure. | (No Data) | Not Applicable | 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% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete |
| 105 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Legal Documents | Satisfied | A | A | A | A | CRDLGL2862 | Copy of Note in file is incomplete | No | Final CD indicates a XXXX I/O product with the payment matching the payment disclosed on the Note. The Note, Mortgage, and Riders do not indicate any I/O feature. | (No Data) | Lender provided corrected PCCD - Exception cancelled. | (No Data) | (No Data) | 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% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete |
| 106 | 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 | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | According to the guidelines, a XXXX (XXXX) month mortgage / housing history includes all occupancy types Primary, Second Home and Investment Properties. If primary housing is documented as free and clear, no exception is needed. In this case, the schedule of real estate owner reflects (XXXX) investment properties -XXX & XXX which show mortgages with XXX, however, no verifications/histories were provided to support were in file. | CDs provided showing both properties just purchased XXX | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 756 is 96 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 29.32% is 20.68% below the 50% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months reserves required. |
Complete |
| 106 | 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 | The loan was approved as a XXXX program, however, a XXXXt worksheet was not provided in the loan file. | Income worksheet provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 756 is 96 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 29.32% is 20.68% below the 50% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months reserves required. |
Complete |
| 106 | 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 | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | The loan was submitted as XXXX guidelines, an Investment purchase of XXXX units is a maximum of 70% LTV. In this case, the loan was closed at 80% LTV. An exception approval is in the file. | An exception approval is in the file. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 756 is 96 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 29.32% is 20.68% below the 50% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months reserves required. |
Complete |
| 106 | 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 | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Loan was underwritten as a XXXX - XXXX loan The file is missing the AUS. | manual uw per seller | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 756 is 96 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 29.32% is 20.68% below the 50% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months reserves required. |
Complete |
| 106 | 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 | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount of $XXX is less than the minimum loan amount required of $XXX. An exception approval is in the file. | An exception approval is in the file. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 756 is 96 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 29.32% is 20.68% below the 50% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months reserves required. |
Complete |
| 107 | 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 XXX Rate Lock Report in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: XXXX yrs CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 13.77% is 36.23% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 704 > GL 660 |
Complete |
| 108 | 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 | Loan file contains hazard insurance policies for the subject property from XXXX and XXXX; provide a copy of the current policy from XXXX | policy from XXXX - XXXX provided | Condition satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 FICO CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.90% DTI CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 39.52 months of reserves |
Complete |
| 109 | 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 | 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 Condition is informational per Clayton Compliance department and TRID 2.0 revisions. Condition satisfied. Final Grade A. | (No Data) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 737. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 40.56%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXXX (XXXX months). |
Complete |
| 109 | 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 | Application | Satisfied | C | A | C | A | CRDAPP131 | Occupancy status not supported by file documentation | No | Occupancy will not occur within XXXX days of Note date (XXX). The subject property is currently rented until XXXX per seller. Rents and security deposit were transferred to borrower on HUD. | (No Data) | This Condition is informational per Clayton Compliance department and TRID 2.0 revisions. Condition satisfied. Final Grade A. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 737. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 40.56%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXXX (XXXX months). |
Complete |
| 109 | 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 | Missing documentation sourcing the large income deposit of $XXXX on XXXX into the business account. Monthly average deposits are $XXXX. Excluding this deposit would cause DTI to exceed 50%. | (No Data) | LOE and source of the deposits were provided. Combined deposits. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 737. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 40.56%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXXX (XXXX months). |
Complete |
| 110 | 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: 773 credit score exceeds minimum required per guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required pert guidelines CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for the past XXXX years |
Complete | |||||||||||||||
| 111 | 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 | Income/Employment | Waived | B | B | B | B | CRDINC3204 | Income Documentation Missing | No | Missing XXXX for business that shows as a loss on tax returns. | (No Data) | Exception to proceed without XXXX approved by XXX and in file. | (No Data) | Not Applicable | 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: Qualifying FICO of 791 is 111 points above the required 680. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 27.88% is 22.12% below the 50% max required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA are XXXX months greater than the XXXX months reserves required. |
Complete |
| 112 | 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 | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | According to the appraisal and notes in the file the current rent for the subject property is $XXXX but the last lease update states rent was increased to $XXXX Proof of rent increase to $XXXX is missing from the loan file. | verification of rent provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 FICO CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have a mortgage history with 39 months reviewed and XXXX |
Complete |
| 112 | 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 | PRVAPROP177 | Property Issues Indicated | No | According to the final inspection the value was corrected to $XXX. A copy of the updated appraisal report is missing from the loan file. | corrected 1004D provided showing correct value of $XXX. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 FICO CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have a mortgage history with 39 months reviewed and XXXX |
Complete |
| 113 | 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: 730 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed 6 required |
Complete | |||||||||||||||
| 114 | 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 | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Missing form 1004D , Certification of completion | (No Data) | Certificate of completion dated XXXX was included in the loan file. | (No Data) | Not Applicable | (No Data) | Complete |
| 115 | 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 798. CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 47.20% < GL 75% |
Complete | |||||||||||||||
| 117 | 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 4.63%. CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 767. |
Complete | |||||||||||||||
| 118 | 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: 754 Fico score exceeds the minimum Fico score by more than 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete | |||||||||||||||
| 119 | 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 | CRDTER3262 | Property issues indicated | No | Appraisal photos show fuse panel cover is not in place (insulation & wiring visible, ceiling tiles askew, adjacent basement wall exhibits gaps & exposed framing). | 1004D provided verifying repairs completed. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $XXXX = XXXX months piti > GL XXXX months piti reserves |
Complete |
| 119 | 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 | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title Commitment indicates Title is vested in XXX; however, the Mortgage is executed by XXX | (No Data) | Warranty Deed provided showing the property will be vested in XXX. The final title policy should reflect the correct vesting. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves $XXXX = XXXX months piti > GL XXXX months piti reserves |
Complete |
| 120 | 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 | PRVAPROP241 | Property Type unacceptable under guidelines | No | MULTI UNIT CONDO (INELIGIBLE PROP TYPE). 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: Verified cash reserves exceed guidelines by more than XXXX months PITIA. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 758 FICO exceeds guidelines by 20+ points |
Complete |
| 121 | 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: 1.82% Credit Utilization CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 24 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 FICO |
Complete | |||||||||||||||
| 122 | 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 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 715 is 55 points above the 660 required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete |
| 123 | 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 | C | A | C | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | A XXXX month housing history is required. Borrower's living rent free with no open and active mortgages reporting on credit within the past XXXX months requires pre-approval. Borrower is living rent free with parents. | (No Data) | A pre-approval was provided for the housing history. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 785 exceeds minimum required of 660. |
Complete |
| 123 | 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 | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 785 exceeds minimum required of 660. |
Complete |
| 123 | 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 | CRDTER5785 | XXXX Delivery Restrictions -1 | No | Exception requested for appraisal review. | (No Data) | Appraisal reviewed and approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 785 exceeds minimum required of 660. |
Complete |
| 124 | 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 | Payoff statement for XXX/XXX Mortgage #XXX was not in file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 10.83% is 39.17% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 692 is 32 points above the 660 required. |
Complete |
| 125 | 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: Minimal usage of available revolving credit lines @ XXXX% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years XXXX months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 801. |
Complete | |||||||||||||||
| 126 | 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 exceeds guidelines by more than 6 months PITIAS CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owner residence for 34 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 FICO exceeds guidelines by 20points |
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| 127 | 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 | Potential Misrepresentation | Satisfied | C | A | C | A | CRDPMR1799 | Potential misrepresentation of occupancy | No | The loan was initially locked as an Investment property was changed to primary, however a LOE for the change was not included in the file. Additionally, the insurance policy was a landlord policy which would indicate possible investment property. | LOE and new HOI policy provided to support owner occupied. Bank statements and most recent W2 also support OO. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 694 score, 14 points higher than the minimum 680 |
Complete |
| 128 | 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 of XXXX months PITIA is 28.42 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 804 is 144 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 32.81% is 17.19% below the 50% allowed. |
Complete | |||||||||||||||
| 129 | 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 | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing XXXX months of asset statements. Only one month of asset statement provided. | (No Data) | Not valid | (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 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 30.90%; guidelines allow 80%. |
Complete |
| 129 | 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 | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Guidelines requires XXXX months of asset statements. Only one month of asset statement provided. | (No Data) | Documentation provided to cure. | (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 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 30.90%; guidelines allow 80%. |
Complete |
| 129 | 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 | Waived | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Guidelines requires XXXX months of asset statements. Only one month of asset statement provided. | (No Data) | Documentation provided to cure. | (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 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 30.90%; guidelines allow 80%. |
Complete |
| 130 | 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 Non-Arms Length transactions are not permitted, borrower is purchasing property from the father of XXX child. | (No Data) | Exception for a Non-Arm's length transaction approved by XXX and in file. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 812 is 90+ points above the 720 required. |
Complete |
| 131 | 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 is XXXX months greater than the 6 months reserves required. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 99 months mortgage payment history XXXX. CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX months. |
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| 132 | 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 | According to the guidelines loans are not eligible for cash-out if there has been a prior cash-out transaction within the past XXXX months. HELOC, 2nd, obtained on subject property on XXX for $XXX. | (No Data) | Exception for prior cash out within the past XXXX months approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have XXXX months mortgage payment history XXXX. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 99 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 744 is 40 points above the 700 required. |
Complete |
| 133 | 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 | |||||||||||||||
| 134 | 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 Delivery Restrictions -1 | No | The loan file does not contain the warranty deed. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55% is 30% below the 85% LTV allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 779 is 159 points above the 620 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 88.49 months greater than the XXXX months reserves required. |
Complete |
| 135 | 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 loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 135 | 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 Delivery Restrictions -1 | No | Appraisal to be reviewed by Investor | (No Data) | Appraisal reviewed and approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 136 | 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 | Missing the third party XXX fraud report for each borrower (one in file is for the wrong borrower). | (No Data) | Documentation provided to cure. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA exceed the minimum of XXXX months reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 39.17% is below the maximum of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 812 exceeds minimum of 660. |
Complete |
| 136 | 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 | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing verification of the existence of XXX from a third party source within XXXX days of the Note date. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA exceed the minimum of XXXX months reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 39.17% is below the maximum of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 812 exceeds minimum of 660. |
Complete |
| 137 | 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 | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | The hazard insurance coverage of $XXXX is less than 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. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 fico CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 37.10% is 12.90% below the 50% allowed. |
Complete |
| 138 | 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 | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing evidence of a Full Project Review for the condo project. Limited Review was performed, however, established project is located in Florida and LTV is > 75% for a Primary home requiring a Full Review (80% LTV). | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 742. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 37%. |
Complete |
| 139 | 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 been employed at current job for XXXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 qualifying score is 24 points > 680 requirement. |
Complete | |||||||||||||||
| 140 | 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: 688 Fico score exceeds the minimum Fico score by more than 20 points |
Complete | |||||||||||||||
| 141 | 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 Delivery Restrictions -1 | No | An exception approval is in the file. Borrower does not have any active tradelines on credit report. borrower cannot provide cancelled checks for private mortgage, VOM is from an individual not a management company and VOR is from an private individual and cancelled checks cannot be provided. | (No Data) | Exception approved for not having cancelled checks/bank statements with a private VOR. Satisfied. | (No Data) | Not Applicable | CFCFS1747: Housing expense increase is 10% or less - Clayton Comments: Reducing housing payment by $496.82 per month which is a XXXX% reduction. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 665 exceeds the minimum requirement of 620. |
Complete |
| 142 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | The initial LE dated within XXXX days of the application date is missing from the file. | (No Data) | Documentation provided for cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA exceed the minimum requirement of XXXX months. 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 25.85% is 24.15% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 797 is 137 points above the 660 required. |
Complete |
| 142 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5785 | XXXX Delivery Restrictions -1 | No | Non-Warrantable Condo - water deductible at XXXX%. Master policy deductible exceeds FNMA allowable limit. An exception approval is in the file. | (No Data) | Exception approved for guideline deviation - Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA exceed the minimum requirement of XXXX months. 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 25.85% is 24.15% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 797 is 137 points above the 660 required. |
Complete |
| 143 | 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 exceed guidelines by XXXX months PITIAS CFCFS1736: Significant time at current residence - Clayton Comments: Borrower's time at primary residence was XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 FICO score exceeds guidelines by 20 points |
Complete | |||||||||||||||
| 144 | 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 is in the file to allow the use of .XXXX% to calculate student loan payments instead of XXXX%. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: XXXX- rental history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX XXXX 4 months at current residence. |
Complete |
| 145 | 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, which is XXXX months than required (XXXX months required0. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 688 is 28 points above the 660 required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years XXXX months at current residence. |
Complete | |||||||||||||||
| 146 | 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 | DTI | Waived | C | B | C | B | CRDDTI187 | Debt Ratio > 50% | No | Maximum allowable DTI for Asset Utilization is 50%. In this case, the DTI is 52.25% | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 231.66 months PITIA is 225.66 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 823 is 163 points above the 660 required. |
Complete |
| 146 | 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 | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | A Condo Questionnaire was not provided in the loan file. | Hawaiian Project information form provided to satisfy | Cleared | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 823 is 163 points above the 660 required. |
Complete |
| 147 | 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 Personal Loan Guaranty in the file. | Loan Guaranty provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower is experienced investor with XXXX investment properties. |
Complete |
| 147 | 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 | C | A | C | A | CRDTER5785 | XXXX Delivery Restrictions -1 | No | The loan file does not contain the business purpose cert. | business purpose cert provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS2854: Significant time in profession - Clayton Comments: Borrower is experienced investor with XXXX investment properties. |
Complete |
| 148 | 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 | A copy of the borrower's photo ID is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.45% DTI is low. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 qualifying score is 98 points > 660 requirement. |
Complete |
| 149 | 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 of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 813 is 153 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 36.90% is 13.10% below the 50% allowed. |
Complete | |||||||||||||||
| 150 | 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: The borrower has XXXX months in reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 Fico score exceeds the minimum Fico score of 700 |
Complete | |||||||||||||||
| 151 | 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 | A | C | B | C | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Not valid. | (No Data) | Invalid exception | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 807 is 127 points above the 680 required. |
Complete |
| 151 | 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 | A | C | B | C | B | A | A | C | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | The homeowners insurance effective date of XXXX is greater than note date of XXX. | (No Data) | Documentation provided to cure. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 807 is 127 points above the 680 required. |
Complete |
| 151 | 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 | A | C | B | C | B | A | A | C | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5787 | XXXX Delivery Restrictions -2 | No | The loan file does not contain the warranty deed. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 807 is 127 points above the 680 required. |
Complete |
| 151 | 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 | A | C | B | C | B | A | A | C | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5785 | XXXX Delivery Restrictions -1 | No | HOA allows XXXX of XXXX units to be owned by fractional ownership. None are the subject. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 807 is 127 points above the 680 required. |
Complete |
| 152 | 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 | An exception approval is in the file to waive the documentation required for the XXXX and XXXX divorce decrees. The borrower has three prior divorces (XXXX, XXXX, and XXXX) and was only able to provide documentation for the XXXX divorce. The borrower has since remarried in XXXX and was unable to locate the decrees for the XXXX and XXXX divorces. The loan application, credit report, and data verify show no evidence of outstanding alimony, child support, or other financial obligations associated with the prior divorces. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX+ months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI 37.97% which is 12.03% below guideline maximum of 50%. |
Complete |
| 153 | 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 | Assets | Waived | B | B | B | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | An exception approval is in the file for lacking 4mos statements for XXX XXX and XXX and XXX. NOTE: XXX XXX andXXX have XXXX stmts and XXXX activity prints to show seasoned funds due to inherited account XXX and set up for the account XXX stmts for these mos are not available-XXX missing XXXX to be obtained. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX+ months. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 155 | 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 | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower is a First Time Investor. Per guidelines for a XXX the minimum DSCR requirement is 1.0. Borrower's DSCR is 0.861. | (No Data) | Exception for a XXX with < 1.0 DSCR approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 credit score exceeds guidelines by 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: verified cash reserves exceed guidelines by more than 6 months PITIA |
Complete |
| 156 | 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 | D | A | D | A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | The loan file does not contain condo questionnaire or other documentation to determine eligibility. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 fico 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 of reserves |
Complete |
| 157 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Property Valuations | Appraisal | Waived | C | B | C | B | PRVAAPPR233 | Comps or Adjustments Not Appropriate | No | Comps were not exposed to MLS | XXX reviewed appraisal and approved the comps not being exposed to MLS. | Waived | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 23.59% is 26.41% below the 50% max allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 760 is 60 points above the 700 minimum required. |
Complete |
| 159 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 35.29% is 14.71% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 787 is 147 points above the 640 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.07% is 17.93% below the 80% LTV allowed. |
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| 161 | 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 FICO is 94 points above the 700 minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying score of 21.19% is 28.81% below the 50% max allowable. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete | |||||||||||||||
| 162 | 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: Qualifying DTI of 41.56% is 8.44% below the 50% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.59% LTV is 18.41% below the program max of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 FICO is 98 points above the minimum required of 660. |
Complete | |||||||||||||||
| 163 | 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: XXXX - housing history CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete | |||||||||||||||
| 164 | 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. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves are $XXXX (XXXX months). CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 758. |
Complete | |||||||||||||||
| 165 | 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 | CRDTER5785 | XXXX Delivery Restrictions -1 | No | A copy of the XXX Rate Lock 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 CFCFS2860: Good credit history - Clayton Comments: DSCR above minimum by .65 |
Complete |
| 165 | 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 | Title | Satisfied | D | A | D | A | CRDTIL4871 | Missing Title Certification | No | The title policy amount of $XXXX is less than the Note amount of $XXX based on the commitment in 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 CFCFS2860: Good credit history - Clayton Comments: DSCR above minimum by .65 |
Complete |
| 166 | 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 | CRDTER2548 | Missing AUS or AUS errors present | No | Missing lender's DU_1008 loan approval | 1008 provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 credit score 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 CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 41.81% is 8.19% below the 50% allowed. |
Complete |
| 167 | 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 reserves exceeds guidelines by more than XXXX months PITIAS CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 credit score exceeds guidelines by 20 points |
Complete | |||||||||||||||
| 168 | 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. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have XXXX months mortgage payment history 0x30. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete | |||||||||||||||
| 169 | 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 | Missing the following months of mortgage payments on the first mortgage with XXX: XXXX, XXXX and XXXX. Also appears the XXXX payment was XXXX late (paid XXXX per mortgage statement) | Per XXXX, approved with XXXX with LLPA | Mortgage statements provided showing mortgage history. XXXX late approved with an llpa. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction - Clayton Comments: Borrower's prior first lien had a XXXX% rate and PITI of $XXXX. The borrower's 2nd lien 1st lien had a XXXX% rate and XXXX monthly payment. Borrower refinanced both into a loan with a XXXX% rate and a monthly PITI of $XXXX |
Complete |
| 170 | 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: Qualifying FICO of 746 is 46 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. |
Complete | |||||||||||||||
| 171 | 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 | Borrower recently took over property after lending money to a prior borrower who defaulted. An exception approval is in the file to payoff other parties mortgage as a no cash out refi; no foreclosures; DIL. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Housing payment history is XXXX or better CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: PITIA reserves above min by XXXX months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV below max by 10% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO 20+ points |
Complete |
| 172 | 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 | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH122 | Foreclosure history does not meet guidelines | No | The borrower had a deed in lieu for foreclosure on XXXX. The underwriting guidelines require XXXX years seasoning for XXX loan program. | (No Data) | Seller provided documentation verifying the deed in lieu was a timeshare which per Fannie is considered an installment account. | (No Data) | Not Applicable | 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 is XXXX months greater than the XXXX months reserves required. |
Complete |
| 172 | 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 | CRDTER5785 | XXXX Delivery Restrictions -1 | No | The loan file does not contain the borrower's ID. | (No Data) | US Patriot Act Information form provided. | (No Data) | Not Applicable | 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 is XXXX months greater than the XXXX months reserves required. |
Complete |
| 174 | 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 | Need updated mortgage statement for borrowers' primary residence with XXX Bank. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been on job 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 XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 174 | 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 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been on job 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 XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 175 | 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 770 is 90 points above the 680 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 16.45% is 33.55% below the 50% allowed. |
Complete | |||||||||||||||
| 176 | 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 |
Complete | |||||||||||||||
| 177 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | B | A | A | A | C | B | C | B | B | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER881 | Minimum square footage does not meet guidelines | No | All XXXX Units of the property are less than minimum XXXX square feet required. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 714 is 74 points above the 640 required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
Complete |
| 177 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | C | B | B | A | A | A | C | B | C | B | B | A | A | A | Property Valuations | Appraisal | Waived | B | A | B | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA. No CU/LCA Score in file, guideline requires 2.5 or below. An exception approval is in the file for Appraisal review validate appraised value OK. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 714 is 74 points above the 640 required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
Complete |
| 178 | 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 | $XXXX Zero Percent Tolerance Violation due to the addition of a Funding fee of $XXXX Final CD 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 XXXX COC & CD with $XXXX credit - Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 Fico score exceeds the minimum Fico score by more than 20 points |
Complete |
| 179 | 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: 754 FICO is 94 points above the required 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 33.28% is 16.72% below the max allowed of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX month at current job. |
Complete | |||||||||||||||
| 180 | 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 | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing the Warranty Deed. | Warranty Deed provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.76% is below guideline maximum of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 798 exceeds minimum of 660. |
Complete |
| 180 | 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 | Missing comment from appraiser addressing the age of Comps 2 & 3 being over XXXX months old. Comp 2 is XXXX months old (XXXX) and Comp 3 is XXXX months old (closed XXXX). | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.76% is below guideline maximum of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 798 exceeds minimum of 660. |
Complete |
| 182 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Not valid. | (No Data) | Not valid. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 4.05% 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 of XXXX months. |
Complete |
| 182 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Not valid. | (No Data) | Not valid. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 4.05% 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 of XXXX months. |
Complete |
| 182 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Legal Documents | Waived | B | B | B | B | CRDLGL4033 | Missing Legal Document(s) | No | Borrower has been married XXXX times, XXXX of the XXXX divorce decrees were provided but the XXXX cannot be obtained due to age (XXXX+ years) | (No Data) | Exception for missing divorce decree approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 4.05% 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 of XXXX months. |
Complete |
| 183 | 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: 812 FICO CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.82% DTI is low. |
Complete | |||||||||||||||
| 184 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP2494 | Property is 100% complete but requires some cosmetic and/or minor repairs that do not affect value or habitability | No | An exception approval is in the file. According to guidelines, If the project is over XXXX years old (or XXXX if it is within XXXX miles of the XXXX), a structural inspection is required consistent with standards outlined by XXXX statute XXXX. Projects with unacceptable or no inspections are ineligible. In this case, HOA is in the final phase of completing repairs for XXXX out of an initial XXXX balconies that have now exceeded their remaining useful life. The HOA scheduled the repairs to be done in XXXX phases, with the most critical having been completed in Phases 1-3 last year. They structured it in phases to avoid having to levy a special assessment. The final phase, Phase 4, is set to begin this summer. The subject units building was already completed in Phase 2. | (No Data) | Exception granted dated XXXX is in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 790 is 130 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 185 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2478 | Missing Legal Documentation | No | Missing contract of sale. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX2 months at current residence. |
Complete |
| 185 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Application | Waived | C | B | C | B | CRDAPP1813 | Undisclosed non-arm's length transaction | No | Per documentation in file Borrower's Sister is the Seller. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX2 months at current residence. |
Complete |
| 186 | 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 | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | loan file Exception : Borrower just became owner in XXX -Without XXXX months seasoning of ownership in LLC as continuity of obligation is not met | (No Data) | An exception dated XXXX was issued allowing the lack of seasoning. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 FICO score exceed guidelines by 20 points CFCFS1736: Significant time at current residence - Clayton Comments: Primary residence is has been owned for XXXX years CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: primary housing payment XXXX |
Complete |
| 187 | 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 | CRDTER4238 | Business entity does not meet guidelines | No | The operating agreement for XXX was not signed. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over XXXX months of Reserves. |
Complete |
| 188 | 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 | 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 | Documents verify initial CD dated XXXX is missing from file. | (No Data) | Lender provided Initial CD XXXX & COC - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. 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 |
Complete |
| 188 | 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 | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Documents verify initial CD dated XXXX is missing from file. | (No Data) | Lender provided Initial CD XXXX & COC - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. 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 |
Complete |
| 188 | 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 | 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 | Initial CD and possible COC is missing | (No Data) | Lender provided Initial CD XXXX & COC - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. 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 |
Complete |
| 188 | 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 | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Documents verify initial CD dated XXXX is missing from file. | (No Data) | Lender provided Initial CD XXXX & COC - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. 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 |
Complete |
| 189 | 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: XXXX months CFCFS2854: Significant time in profession - Clayton Comments: XXXX mos |
Complete | |||||||||||||||
| 190 | 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 | Hazard insurance not provided. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | 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. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @XXXX% |
Complete |
| 190 | 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 | 1008 not provided. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | 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. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @XXXX% |
Complete |
| 191 | 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 | A XXXX month housing history is required, no open and active mortgages reporting on initial credit requires pre-approval. Borrower has been living rent free with mother while taking care of her. | (No Data) | Pre-approval for living rent free approved by XXX and in file. | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: DSCR above minimum by .33 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 193 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | 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. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. |
Complete | |||||||||||||||
| 194 | 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 | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing an Initial CD. | (No Data) | Lender provided Initial XXXX CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 8.59% is 41.41% below the 50% max allowable. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 732 is 72 points above the 660 required. |
Complete |
| 194 | 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 | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing an Initial CD. | (No Data) | Lender provided Initial XXXX CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 8.59% is 41.41% below the 50% max allowable. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 732 is 72 points above the 660 required. |
Complete |
| 194 | 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 | C | A | D | A | D | A | A | A | C | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing Tax Cert, 1st payment letter and Amortization schedule. | Tax Cert, 1st payment letter and Amortization schedule provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 8.59% is 41.41% below the 50% max allowable. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 732 is 72 points above the 660 required. |
Complete |
| 195 | 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: 75% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 qualifying FICO score |
Complete | |||||||||||||||
| 196 | 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 754 is 74 points above the 680 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 34.55% is 15.45% below the 50% allowed. |
Complete | |||||||||||||||
| 197 | 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 XXXX has been employed for XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 Fico exceed guidelines by 20+ points 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 has owned primary residence for XXXX years |
Complete | |||||||||||||||
| 198 | 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 is XXXX months greater than the XXXX months reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 42.7% is 22.3% below the 65% LTV allowed. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. |
Complete | |||||||||||||||
| 199 | 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: Qualifying DTI of 42.82% is 7.18% below the 50% allowed. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has XXXX years in current profession. |
Complete | |||||||||||||||
| 200 | 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. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 FICO |
Complete | |||||||||||||||
| 201 | 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 765 is 45 points above the 720 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required |
Complete | |||||||||||||||
| 202 | 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: 778 FICO is 118 points above the minimum required of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.24% DTI is below program max of 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 | |||||||||||||||
| 203 | 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 | A | C | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per guidelines a XXXX month housing history is required, no open and active mortgages reporting on initial credit requires pre-approval. Borrower is a FTHB living rent free with parents. | (No Data) | A pre-approval was provided for the housing history. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 21.26% is 28.74% below the 50% allowed. |
Complete |
| 203 | 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 | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Verification of borrower being XXX provided by accountant with a PTIN not a licensed CPA with an CPA/EA/CTEC # which is not allowed per guidelines. | (No Data) | Exception to the guideline deviation approved by XXXX and in file. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 21.26% is 28.74% below the 50% allowed. |
Complete |
| 204 | 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 | An Exception Approval was placed in the loan file for the appraisal review-.XXXX. Client Approved Exception via email. Copy in loan file. | (No Data) | XXXX. Client Approved Exception via email. Copy in loan file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 694 qualifying score is 34 points > 660 requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months reserves required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 205 | 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 | C | B | C | B | CRDTER5785 | XXXX Delivery Restrictions -1 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i XXXX |
Complete |
| 205 | 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 | Title | Satisfied | D | A | D | A | CRDTIL4871 | Missing Title Certification | No | The proposed amount of insurance on the Title Commitment of $100,000 is less than the loan amount of $XXX. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i XXXX |
Complete |
| 206 | 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 | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | A ROV was requested and the value of the property was changed as a result. | (No Data) | Exception for a ROV reviewed and approved by XXX and in file. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of 9.10%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.01% DTI is low. |
Complete |
| 206 | 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 | CRDTER4643 | Borrower does not meet guideline requirements | No | According to the underwriting guidelines, the minimum square footage allowed for each unit is XXXX square feet. In this case, unit #XXXX is XXXX square feet, which does not meet the requirements. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.01% DTI is low. |
Complete |
| 208 | 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 | Missing Flood Certificate. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO is 71 points above the 700 minimum required. 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 are XXXX months more than the required 6 months reserves. |
Complete |
| 208 | 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 mortgage and loan agreement notary information shows the date as XXX, which is when one of the guarantor's (XXX) but there is notary page for when the second guarantor signed on XXX. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 FICO is 71 points above the 700 minimum required. 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 are XXXX months more than the required XXXX months reserves. |
Complete |
| 210 | 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: Qualifying FICO of 815 exceeds the minimum required of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years XXXX months with current employer. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX+ months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA exceeds the guideline of XXXX months reserves. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Coborrower has XXXX years XXXX months with current employer. |
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| 211 | 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 | D | A | D | A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing seller CD | (No Data) | Lender provided Seller CD - Exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $XXXX (XXXX months) exceed minimum required of XXXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 774 exceeds minimum required of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX+ months. |
Complete |
| 211 | 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 | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Missing explanation regarding monthly deposit into XXX XXX business bank account from XXXX through XXXX from "XXX". The amount varies month to month and the description is "Payroll". | (No Data) | removed payroll deposits | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves of $XXXX (XXXX months) exceed minimum required of XXXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 774 exceeds minimum required of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX+ months. |
Complete |
| 212 | 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 | Please provide missing copy of Affiliate Business Disclosure, since ABA is missing in file | (No Data) | Affiliated Business Disclosure LOE provided to cure | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 37.05% is 12.95% below the max 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 FICO is 64 points above the minimum required of 660. |
Complete |
| 213 | 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: XXXX yrs XXXX mos CFCFS2860: Good credit history - Clayton Comments: XXXX months |
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| 214 | 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: 707 fico exceeds guideline of 620 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves exceeds guideline of XXXX months |
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| 215 | 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 | A | C | B | C | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared Non-QM: Lender documented all ATR UW factors; Clayton status is ATR Risk: Non-QM - Lender did not document all ATR UW factors due to Qualifying DTI of 52.57%, which is greater than the maximum 50% DTI allowed. | (No Data) | Exception for DTI received on this loan. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 FICO above guideline requirements by 20+ points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves exceeds guidelines by more that XXXX month PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.75% LTV below guidelines by more than 20 points |
Complete |
| 215 | 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 | A | C | B | C | B | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Clayton status is ATR Risk: Non-QM - Lender did not document all ATR UW factors due to Qualifying DTI of 52.57%, which is greater than the maximum 50% DTI allowed. | (No Data) | Exception for DTI received on this loan. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 FICO above guideline requirements by 20+ points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves exceeds guidelines by more that XXXX month PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.75% LTV below guidelines by more than 20 points |
Complete |
| 215 | 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 | A | C | B | C | B | A | A | C | A | Credit | DTI | Waived | C | B | C | B | CRDDTI187 | Debt Ratio > 50% | No | Qualifying DTI (Back) of 52.57% is greater than the maximum 50% DTI allowed. | XXX issued an exception allowing the back DTI of 52.57%. The initial IO DTI is 42.17%. Compensating factors support the exception with Low CLTV of 45% along with XXXX months of reserves. | Waived. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 FICO above guideline requirements by 20+ points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves exceeds guidelines by more that XXXX month PITIA CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.75% LTV below guidelines by more than 20 points |
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 | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has lived at the subject property for XXXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 FICO score exceeds the minimum FICO score by more than 20 points. |
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| 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 771 is 151 points above the 620 required. |
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| 220 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 65.58% < GL 75% |
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| 221 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 Fico score exceeds the minimum Fico score by more than 20 points |
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| 222 | 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 56.97% is 8.03% below the 65% LTV allowed. CFCFS1736: Significant time at current residence - Clayton Comments: XXXX years at primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets of XXXX months PITIA > min XXXX months required. |
Complete | |||||||||||||||
| 223 | 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 for the Appraisal Review - Exclusionary List. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 694 is 34 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 224 | 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 | CRDTER3122 | Loan documents do not meet guideline requirements | No | The loan closed in an LLC and the file is missing the Operating agreement, Articles of Organization, Cert of Good standing, and EIN. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 Fico score exceeds the minimum Fico score by more than 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 224 | 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 | CRDTER4631 | Loan parameters do not meet guidelines | No | Appraisal review required by investor. | (No Data) | Appraisal reviewed and approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 Fico score exceeds the minimum Fico score by more than 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 225 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | N/A | N/A | D | B | D | A | B | B | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The title commitment reflects a proposed insured amount of $XXXX, but the loan amount is $XXX. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower has a 783 credit score which is 83 points above the minimum required of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXXX months of reserves which is XXXX months more than the minimum required of XXXX months. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% credit utilization. |
Complete |
| 225 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | N/A | N/A | D | B | D | A | B | B | N/A | N/A | Property Valuations | Appraisal | Waived | B | B | B | B | PRVAAPPR4789 | Appraisal Deficiency | No | The subject is legal non-conforming. Letter in file indicates if partially destroyed it can be rebuilt but approval would be required if fully destroyed. The Lock Report dated XXXX shows this was approved. | (No Data) | The Lock Report dated XXXX shows this was approved. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The borrower has a 783 credit score which is 83 points above the minimum required of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXXX months of reserves which is XXXX months more than the minimum required of XXXX months. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% credit utilization. |
Complete |
| 226 | 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 | 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: XXXX verified cash reserves exceed minimum required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 credit score exceeds 680 required per guidelines |
Complete |
| 226 | 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 | B | B | B | B | CRDTER5785 | XXXX Delivery Restrictions -1 | No | Exception request to close loan as a Rate and Term Refinance, borrower paying off an equity buy out agreement that was takenover XXXX years ago. | (No Data) | Exception granted by XXX and in file. | (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: 718 credit score exceeds 680 required per guidelines |
Complete |
| 227 | 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: Qualifying FICO of 776 is 76 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete | |||||||||||||||
| 228 | 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 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) | Exception Satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 817. CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV < 90% GL CFCFS1736: Significant time at current residence - Clayton Comments: XXXX yrs XXXX mos |
Complete |
| 229 | 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 exceeds minimum required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 credit score exceeds minimum required per guidelines |
Complete | |||||||||||||||
| 230 | 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 800 is 100 points above the 700 minimum required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months is XXXX months greater than the XXXX months required reserves. |
Complete | |||||||||||||||
| 232 | 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 | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | The loan file does not contain condo questionnaire and other documentation needed to determine condo eligibility and warrantability. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 806 is 146 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 34.63% is 15.37% below the 50% allowed. |
Complete |
| 233 | 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 | 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 | "Initial LE missing from file" | (No Data) | Lender provided XXXX AND XXXX LE's - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 233 | 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 | 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 | "Initial LE missing from file" | (No Data) | Lender provided XXXX AND XXXX LE's - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 233 | 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 | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3494 | TRID - Loan Estimate Missing | No | "Initial LE missing from file" | (No Data) | Lender provided XXXX AND XXXX LE's - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 234 | 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 VOR did not have item 1, name and address of landlord, completed. | Seller provided a corrected VOR with section 1 completed | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines by more than XXXX months PITIAS |
Complete |
| 234 | 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 | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The third party fraud report was not in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines by more than XXXX months PITIAS |
Complete |
| 234 | 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 | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | The LTV of 79.91% exceeds the guideline maximum of 70% for a cashout refi with 679 credit score. The loan was approved as a rate/term refi; however, the guidelines indicate the limited cash to the borrower for a rate/term refi must not exceed the lessor of $XXXX or XXXX% of the loan amount. The borrower received $XXXX cash back at closing, making the loan a cashout refi. | (No Data) | N/A. XXXX guides allow $XXXX cash to borrower on a rate/term. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines by more than XXXX months PITIAS |
Complete |
| 235 | 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 | Subject property is agricultural which is not allowed per XXX guidelines | (No Data) | Exception for property being agricultural approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXXX months Reserves, which is XXXX months > XXXX months requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.92% DTI is low. |
Complete |
| 236 | 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: XXXXmonths CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $XXXX reserves in file; XXXX months PITIA. Required reserves are $XXXX = $XXXX |
Complete | |||||||||||||||
| 237 | 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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 752 is 112 points above the 640 required. |
Complete | |||||||||||||||
| 238 | 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: 65% LTV is low. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 qualifying score is 52 points > 700 requirement. |
Complete | |||||||||||||||
| 239 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at same residence for the past XXXX months CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for the past XXXX months CFCFS2860: Good credit history - Clayton Comments: Borrower has good credit history. Currently XXXX on all opened tradelines |
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 | CRDLGL4033 | Missing Legal Document(s) | 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: DSCR of 1.644 is above the minimum of 1.0 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is 5% below the guideline maximum of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of XXXX months PITI exceed the XXXX months reserve requirement. |
Complete |
| 241 | 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 | B | A | D | B | D | B | A | A | B | A | Compliance | RESPA | Waived | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure. | (No Data) | Invalid. PRMG does not have affiliates | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.42%. Maximum allowed is 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has a 766 credit score. Minimum required is 660. |
Complete |
| 241 | 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 | B | A | D | B | D | B | A | A | B | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | The fraud report was not in the file. | (No Data) | Documentation provided to cure. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.42%. Maximum allowed is 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has a 766 credit score. Minimum required is 660. |
Complete |
| 241 | 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 | B | A | D | B | D | B | A | A | B | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The insurance policy for the departing residence did not reflect the premium. Audit used the XXXX insurance/tax from the 1003 for calculation purposes. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.42%. Maximum allowed is 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has a 766 credit score. Minimum required is 660. |
Complete |
| 241 | 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 | B | A | D | B | D | B | A | A | B | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | The guidelines indicate when using asset utilization, the assets require 6 months seasoning of all assets and the asset documentation may not be more than 30 days old at the time of closing. In this case, the XXX account statements provided were XXXX. The loan closed XXX. An updated statement dated within XXXX days of closing was not in file and it could not be confirmed if the XXXX months seasoning requirement was met is only XXXX monthly statements were provided. | (No Data) | Documentation provided to cure. Per XXX guides, max DTI 50% | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.42%. Maximum allowed is 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has a 766 credit score. Minimum required is 660. |
Complete |
| 241 | 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 | B | A | D | B | D | B | A | A | B | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | The borrower has been XXX for less than XXXX years. The lock report shows it was approved to use XXX income with less than a XXXX year history. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.42%. Maximum allowed is 80%. CFCFS2860: Good credit history - Clayton Comments: Borrower has a 766 credit score. Minimum required is 660. |
Complete |
| 243 | 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 of 0x30x24 months exceeds guideline of XXXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITI exceed reserve requirement of XXXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 703 exceeds the guideline of 680. |
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| 244 | 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: 767 FICO score exceeds guidelines CFCFS1737: LTV below guideline requirements - Clayton Comments: 55.56% LTV is below guidelines requirements by 10 points |
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| 245 | 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 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) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 FICO is 118 points above the minimum required of 660. 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 years and XXXX months at current job. |
Complete |
| 246 | 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 | CRDCRMH189 | Missing credit report | No | The loan file does not contain the credit report. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 767 is 67 points above the 700 required. |
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 | CFCFS2854: Significant time in profession - Clayton Comments: XXXX yrs XXXX mos CFCFS1736: Significant time at current residence - Clayton Comments: XXXX yrs XXXX mos |
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| 249 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5785 | XXXX Delivery Restrictions -1 | No | Exception approval is in the file for Cash out less than XXXX months seasoning on current mortgage. | (No Data) | Exception approval is in the file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 249 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | Property Valuations | Property | Waived | C | B | C | B | PRVAPROP177 | Property Issues Indicated | No | Appraiser indicates that subject property is located in an "XXXX" area which is not permitted per guidelines. | (No Data) | XXXX issued an exception allowing the XXXX area on this loan with sufficient comp factors. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete |
| 250 | 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 | Right of Rescission | Satisfied | B | A | B | A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Right of Rescission form | (No Data) | Construction to Perm loan. N/A | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 746 is 86 points above the 660 required. |
Complete |
| 251 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER5785 | XXXX Delivery Restrictions -1 | No | Subject was purchased XXX for $XXX with some updating of kitchens, baths and flooring throughout the XXXX units. Current appraised value is $XXX. | (No Data) | Appraisal reviewed and approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 762 exceeds the guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR of 1.329 is above the guideline requirement of 1.0. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX+ months. |
Complete |
| 251 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | A 3rd party appraisal review from an XXX approved vendor is missing from the loan file. | Seller provided the CDA to cure | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 762 exceeds the guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR of 1.329 is above the guideline requirement of 1.0. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX+ months. |
Complete |
| 253 | 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 of $XXXX due to Discount point Fee increased from $XXXX on LE XXXX to $XXXX on CD XXXX (fee is XXXX on CDs). Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | (No Data) | Lender provided evidence of XXXX COC - exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for the past XXXX years and Co Borrower has been in same profession for the past XXXX years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceeds XXXX months required |
Complete |
| 254 | 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 | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing evidence the Initial Fraud Alert dated XXXX on the credit report was cleared. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i XXXX |
Complete |
| 254 | 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 | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing a complete XXXX month housing history. Need XXXX additional month's housing history from his previous residence at XXX. Or provide evidence taxes and insurance were paid current if residence was owned free & clear. Mortgage on credit report has been reporting for XXXX months for his current residence purchased XXX. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i XXXX |
Complete |
| 254 | 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 | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | The Final HUD-1 is missing the settlement date on the form (signature is also not dated). | dated final HUD provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i XXXX |
Complete |
| 254 | 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 | CRDLGL4033 | Missing Legal Document(s) | No | Missing all LLC documents for XXX(Operating Agreement, Certificate of Formation, Certificate of Good Standing, IRS EIN). | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: No Delinquencies in Mortgage History detailed housing history e.i XXXX |
Complete |
| 255 | 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: Assets: $XXXX reserves in file; XXXX months PITIA. Required reserves are $XXXX = $XXXX. CFCFS2860: Good credit history - Clayton Comments: XXXX months |
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| 256 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Project is ineligible due to -$XXXX1 in current reserve account. HOA approved a $XXXX special assessment to fund reserve account. Budget does not meet XXXX% minimum reserve requirement as reserves funded by a special assessment cannot be used. An exception approval is in the file. | (No Data) | An exception approval is in the file. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have48 months mortgage payment history 0x30. CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
Complete |
| 259 | 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 payoff statement XXX #XXX was not in the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 765 is 65 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 260 | 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 Delivery Restrictions -1 | No | Exception requested for buying neighbor's property not listed on MLS (Borrower owns and lives in property next door). | (No Data) | Exception approved for buying neighbor's property not listed on the MLS (Borrower owns and lives in property next door). Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months exceeds the guideline of XXXX months reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 727 exceeds the guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. |
Complete |
| 261 | 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: Minimal usage of available revolving credit lines @ XXXX% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for XXXX years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years XXXX months. |
Complete | |||||||||||||||
| 263 | 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 is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 688 is 28 points above the 660 required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years XXXX months at current residence. |
Complete | |||||||||||||||
| 266 | 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 | CRDTER4631 | Loan parameters do not meet guidelines | No | According to the underwriting guidelines, the prepayment penalty of declining 3/XXXX/1 is not an eligible structure. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 784 is 84 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA. required XXXX months |
Complete |
| 267 | 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 | According to guidelines, Rural properties are limited to XXXX acres maximum. In this case, the property is rural and on XXXX acres. | (No Data) | Exception granted dated XXXX is in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 802 is 142 points above the 660 required. |
Complete |
| 268 | 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: Assets: $XXXX reserves in file; XXXX months PITIA. Required reserves are $XXXX = $XXXX CFCFS2860: Good credit history - Clayton Comments: XXXX months |
Complete | |||||||||||||||
| 269 | 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 is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 770 is 110 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 13.26% is 36.74% below the 50% allowed. |
Complete | |||||||||||||||
| 270 | 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 | Waived | D | B | D | B | CRDLGL4033 | Missing Legal Document(s) | No | An Amortization schedule was not provided in the loan file. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 37.17% is 12.83% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 754 is 94 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 271 | 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. 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 | |||||||||||||||
| 272 | 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 701 exceeds guideline of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITI exceeds the 6 month reserve requirement. |
Complete | |||||||||||||||
| 275 | 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% CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrowers DTI (BACK) 9.13% is 40.87% below guideline maximum 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 805 is 105 points above the 700 required. |
Complete | |||||||||||||||
| 277 | 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 | CRDTER3122 | Loan documents do not meet guideline requirements | No | The amortization schedule was provided with only pages 1 and 2. All other pages are missing. | (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 CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been living at primary residence for XXXX years |
Complete |
| 277 | 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 | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | The loan contains an exception because the subject has pre-foreclosure activity within the last XXXX years. | (No Data) | The loan contains an exception approval 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 primary residence for XXXX years |
Complete |
| 278 | 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 | Initial CD XXXX per disclosure tracking, Missing from file. | (No Data) | Lender provided Initial XXXX CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 690 is 30 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 12.75% is 37.25% below the 50% allowed. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65.49% is 19.51% below the 85% LTV allowed. |
Complete |
| 278 | 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 | Initial CD Missing. | (No Data) | Lender provided Initial XXXX CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 690 is 30 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 12.75% is 37.25% below the 50% allowed. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65.49% is 19.51% below the 85% LTV allowed. |
Complete |
| 278 | 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 | Initial CD Missing. | (No Data) | Lender provided Initial XXXX CD - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 690 is 30 points above the 660 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 12.75% is 37.25% below the 50% allowed. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65.49% is 19.51% below the 85% LTV allowed. |
Complete |
| 279 | 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 CFCFS2854: Significant time in profession - Clayton Comments: B2 has been working for the same employer for XXXX years |
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| 281 | 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 | Requesting lock with XXXX yr PPP, XXXX State. | (No Data) | Lender approval dated XXXX is on file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months required reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 785 is 145 points above the 640 minimum required. |
Complete |
| 282 | 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 CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months |
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| 283 | 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 | CRDTER3262 | Property issues indicated | No | Outstanding judgment : On the XXX report it shows that the borrower has a civil judgment from XXXX Borrower is not able to source the payoff lender. | (No Data) | Exception to not clear past judgment prior to closing approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 684 FICO FICO exceeds guidelines by 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash out proceeds exceed guidelines by more than XXXX months PITIAS |
Complete |
| 284 | 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 Delivery Restrictions -1 | No | The DSCR of 0.995 is < the minimum requirement of 1.0 for a cash out refinance loan. | (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 CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete |
| 285 | 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 | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | A XXXX month housing history is required. Borrowers living rent free require pre-approval. | (No Data) | Approval for living rent free approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 764 is 64 points above the 700 required. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. |
Complete |
| 285 | 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 | CRDTER4631 | Loan parameters do not meet guidelines | No | Audit calculated DSCR is 0.8429. Per guidelines if the current rent is < the market rent market rent may be used up to XXXX% if the current lease has a remaining term of XXXX months or less. Current lease expires XXXX with is > XXXX months therefore does not qualify to use the higher amount. | (No Data) | An exception was approved to use XXXX% of the current rent to calculate DSCR. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 764 is 64 points above the 700 required. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. |
Complete |
| 286 | 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 this is XXXX years fixed rate | (No Data) | Invalid this is XXXX years fixed rate | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX mos CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months |
Complete |
| 288 | 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 | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Loan file was missing the hazard insurance policy | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.27% LTV below guidelines requirements by 5+ points CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 819 FICO score exceeds guidelines by 20+ points CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for XXXX years |
Complete |
| 290 | 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 of XXXX months PITIA are XXXX months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 798 is 118 points above the 680 minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 23.76% is 23.24% below the 50% max allowed CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
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| 292 | 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 of XXXX months PITIA is 17.69 months greater than the 6 months reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.27% is 5.73% below the 65% max allowed. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 29.26% is 20.74% below 50% max allowed. |
Complete | |||||||||||||||
| 293 | 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. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have XXXX months mortgage payment history XXXX. |
Complete | |||||||||||||||
| 294 | 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 | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | According to the underwriting guidelines, the minimum Reserves required are XXXX months. Borrower currently has XXXX months post close which does not meet the minimum requirement. | (No Data) | Assets from updated bank statement was not included initially which supports the reserves. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 qualifying score is 37 points > 680 requirement. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 294 | 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 | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | The Hazard Insurance is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 qualifying score is 37 points > 680 requirement. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of 24.40%. |
Complete |
| 295 | 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 | CRDTER4631 | Loan parameters do not meet guidelines | No | Lease through XXXX > XXXX months remaining & below mkt rent $XXXX; resulting DSCR 0.988 < 1.0 which is not eligible for a C/O Refi per XXXX guidelines. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months CFCFS2860: Good credit history - Clayton Comments: XXXX months |
Complete |
| 296 | 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. | Warranty Deed provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.14% LTV is low. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 801. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.20% DTI is low. |
Complete |
| 296 | 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 | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | The Title Commitment in the loan file is incomplete, there is 1 page of the title only. | complete Title Commitment provided | Title Commitment | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.14% LTV is low. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 801. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.20% DTI is low. |
Complete |
| 297 | 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 799 is 139 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 38.79% is 11.21% below the 50% allowed. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 47.27% is 42.73% below the 90% LTV allowed. |
Complete | |||||||||||||||
| 299 | 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 amortization schedule was missing. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 813 is 113 points above the 700 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 50% is 25% below the 75% LTV allowed. |
Complete |
| 300 | 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 804 is 104 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete | |||||||||||||||
| 302 | 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 of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years and XXXX month at current residence. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO is 84 points above the 660 minimum required. |
Complete | |||||||||||||||
| 304 | 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: The borrower has XXXX month in reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 38.46% is 36.54% below the 75% LTV allowed. CFCFS2860: Good credit history - Clayton Comments: DSCR above minimum by .34 |
Complete | |||||||||||||||
| 305 | 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 XXXX years at current residence. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have XXXX months mortgage payment history XXXX. |
Complete | |||||||||||||||
| 306 | 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: 69.99% LTV is 5.01% below the 75% max allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 768 is 68 points above the 700 required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete | |||||||||||||||
| 307 | 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: Minimal credit utilization ratio of XXXX%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years XXXX months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 766 is 66 points above the 700 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.29% is 17.71% below the 75% LTV allowed. |
Complete | |||||||||||||||
| 310 | 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 | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 50.54% is 34.46% below the 85% LTV allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 787 is 167 points above the 620 required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. |
Complete |
| 311 | 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 is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 779 is 119 points above the 660 required. |
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 | 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% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete | |||||||||||||||
| 315 | 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 | Assets | Waived | C | B | C | B | CRDAST115 | Cash reserves do not meet guidelines | No | According to the underwriting guidelines, XXXX months reserves are required using the qualifying payment. In this case, only XXXX months of reserves were verified. | (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 over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years at current residence. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 0% |
Complete |
| 315 | 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 | PRVAAPPR3116 | Missing updated valuation | No | According to the underwriting guidelines XXXX appraisals are required on loan amounts = $XXX and >65% LTV/CLTV. In this case, the loan amount is $XXX with an LTV of 74.83%. A 2nd appraisal is missing from the file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for over XXXX years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete |
| 317 | 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 | CMPDOC3076 | Legal document was not executed or is incomplete | No | The Warranty Deed granting the property from the seller to the borrower is in the file, but the document was not signed and notarized. Provide a signed copy of the warranty deed in the loan file. | signed Warranty Deed provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX yrs. CFCFS2860: Good credit history - Clayton Comments: XXXX months. |
Complete |
| 317 | 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 | 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) | Exception Satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX yrs. CFCFS2860: Good credit history - Clayton Comments: XXXX months. |
Complete |
| 318 | 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 is XXXX months greater than the 6 months reserves required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. |
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 | CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete | |||||||||||||||
| 322 | 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. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for over XXXX years. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete | |||||||||||||||
| 323 | 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: XXXX months CFCFS1737: LTV below guideline requirements - Clayton Comments: 62% LTV < 70% GL |
Complete | |||||||||||||||
| 324 | 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 | Approved exception for delayed financing with alternative docs for purchase price. Bwr purchased subject and XXX concurrent XXX) for single price $XXX. Purchase docs don't split the prices. Per bwr's consultant email, each prop is $XXX. LTV based on lower appraised value. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 740 is 120 points above the 620 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 52.01% is 22.99% below the 75% LTV allowed. |
Complete |
| 325 | 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 for Delayed financing with alternative docs for purchase price. Bwr purchased subject and XXX (concurrent XXX) for single price $XXX. Purchase docs don't split the prices. Per bwr's consultant email, each prop is $XXX. LTV based on lower appraised value. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 740 is 120 points above the 620 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 52.01% is 22.99% below the 75% LTV allowed. |
Complete |
| 326 | 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: 724 qualifying score is 24 points > 700 requirement. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has positive mortgage payment history reported on credit report XXXX 0X90. |
Complete | |||||||||||||||
| 327 | 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 subject property was vested as XXX a Maryland Limited Liability Company, however, an EIN number was not provided, a document in file only contained a partial EIN, the last four digits XXX. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 32.51% is 17.49% below the 50% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 745 is 85 points above the 660 required. |
Complete |
| 328 | 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 | An exception approval is in the file to allow the use of higher rents received when one month of rent isn't fully documented as borrower receives cash. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 741 is 41 points above the 700 required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. |
Complete |
| 329 | 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: 712 Fico is great than the minimum Fico score of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower had XXXX months in reserves. |
Complete | |||||||||||||||
| 330 | 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 757 is 97 points above the 660 minimum required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 125.73 months greater than the 6 months required reserves. |
Complete | |||||||||||||||
| 331 | 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: Qualifying DTI is 18.27% is 26.73% below the 45% max allowable. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 FICO is 107 points above the 660 minimum required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years and XXXX months at current residence. |
Complete | |||||||||||||||
| 333 | 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 XXXX month CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 677 is 57 points above the 620 required. |
Complete | |||||||||||||||
| 334 | 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 Warranty Deed is missing from the loan file. | Warranty Deed provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 780 is 160 points above the 620 required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have XXXX months of Reserves. |
Complete |
| 334 | 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 | D | A | D | A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | The Condo Questionnaire is missing from the loan file. | Condo Questionnaire provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 780 is 160 points above the 620 required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have XXXX months of Reserves. |
Complete |
| 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 728 is 88 points above the 640 required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. |
Complete | |||||||||||||||
| 339 | 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 | A XXXX month housing history is required, borrower is currently living rent free with spouse. | (No Data) | Exception for borrower living rent free approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $XXXX reserves in file; XXXX months PITIA. Required reserves are $0 (LTV < 70%) CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60% < GL 70% |
Complete |
| 339 | 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 Delivery Restrictions -1 | No | Lease agreements are required for all units. Subject was listed for sale XXX and is currently vacant. | (No Data) | Exception for vacant property/ recently listed for sale approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $XXXX reserves in file; XXXX months PITIA. Required reserves are $0 (LTV < 70%) CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60% < GL 70% |
Complete |
| 340 | 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 | ABA Missing. | (No Data) | XXXX does not have an affiliated arrangement. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Rental payment history is XXXX months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been operating same business for XXXX months. |
Complete |
| 341 | 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 | CRDINC2340 | Employment verification does not meet guidelines | No | A signed business narrative including details regarding the industry, size and operating profile of the business addressing location, rent, number of employees and physical assets, is missing from the loan file. | business narrative provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 6.61% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 341 | 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 | An internet search of the business is required to support the business narrative. In this case, the documentation is missing from the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 6.61% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 341 | 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 | 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: 6.61% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 341 | 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 | CRDTER4643 | Borrower does not meet guideline requirements | No | According to the underwriting guidelines, borrowers with no investment properties retaining their departing residence as a rental require pre-approval. In this case, the preapproval is missing from the loan file. | (No Data) | A pre-approval was provided by XXXX. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 6.61% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 341 | 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 | CRDTER3654 | Borrower(s) do not meet guideline requirements for citizenship status | No | According to the underwriting guidelines, the XXXX Type the borrower has XXXX is not eligible. | (No Data) | Exception for XXXX approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 6.61% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete |
| 342 | 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR of 1.379 is .379 greater than the minimum 1.0 DSCR required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is 5% below the 75% LTV allowed. |
Complete | |||||||||||||||
| 348 | 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 | Please provide PG1 of the Amortization Schedule | pg 1 of the Amortization Schedule provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months CFCFS1736: Significant time at current residence - Clayton Comments: XXXX yrs |
Complete |
| 349 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing Entity documentation, evidencing that Borrower is a XXXX% owner of the following Business; to support the use of Business Assets:XXX | OPERATING AGREEMENT verif XXXX% ownership provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. |
Complete |
| 349 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Subject property purchase is a flip transaction. Seller purchased the property XXX for $XXX and resold for $XXX. Flip transactions with > XXXX% increase within XXXX days requires pre-approval. Pre-approval is missing from the loan file. | (No Data) | A pre-approval was provided by XXX via email. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. |
Complete |
| 354 | 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 | An internet search of the borrower's business is missing from the loan file. | Internet search in file and supports the narrative | Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 13.36% DTI is low. |
Complete |
| 354 | 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 | Borowers retaining their departing residence as an investment without landlord experience requires pre-approval. | (No Data) | A pre-approval was provided by XXXX | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have low credit utilization of XXXX%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 13.36% DTI is low. |
Complete |
| 355 | 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 | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | There is insufficient hazard insurance coverage for the subject property. Dwelling coverage is $XXXX and loan amount is $XXX. | (No Data) | Documentation provided to cure. XXXX policy. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 qualifying score is 81 points > 700 requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.54% DTI is low. |
Complete |
| 358 | 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 | DTI | Waived | B | B | B | B | CRDDTI187 | Debt Ratio > 50% | No | An Exception Approval was placed in the loan file to allow DTI up to 55%.XXXX Client Approved Exception. Copy in loan file. | (No Data) | XXXX. Client Approved Exception. Copy in loan file. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 qualifying score is 116 points > 660 requirement. |
Complete |
| 362 | 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: 690 FICO CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of XXXX exceeds guideline requirements of XXXX CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. |
Complete | |||||||||||||||
| 363 | 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 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 Fico score exceeds the minimum Fico score by more than 20 points |
Complete | |||||||||||||||
| 365 | 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 | Per zoning and appraiser current regs do not permit XXXX family homes; variance may be needed if destroyed, | (No Data) | Exception for zoning approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceeds guidelines by XXXX months PITIA. |
Complete |
| 366 | 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: Qualifying FICO of 726 is 66 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete | |||||||||||||||
| 367 | 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 is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 726 is 66 points above the 660 required. |
Complete | |||||||||||||||
| 369 | 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 is XXXX months greater than the XXXX months reserves required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXXmonths at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 652 is 32 points above the 620 required. |
Complete | |||||||||||||||
| 370 | 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 of verified reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: Low LTV of 52.19 |
Complete | |||||||||||||||
| 373 | 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 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) | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 292.57 months PITIA is 286.57 months greater than the 6 months required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 732 is 52 points above the 680 minimum required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 32.90% is 17.10% below the 50% max allowed. |
Complete |
| 374 | 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 | 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. | fraud report provided | Condition satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 67.28 months PITIA is 61.28 months greater than the 6 months reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 37.62% is 12.38% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 743 is 43 points above the 700 required. |
Complete |
| 375 | 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: Qualifying FICO of 779 exceeds minimum of 620. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.45% is below the guideline of 75% LTV (declining values). CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA exceed the minimum required of XXXX months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR of 1.253% exceeds the minimum of 1.0. |
Complete | |||||||||||||||
| 376 | 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: 685 credit report within the minimum required per guidelines CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required per guidelines |
Complete | |||||||||||||||
| 377 | 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 | Missing income calculation worksheet reflecting $XXXX monthly income stated on final 1003. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | 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: 727 credit score exceeds minimum required |
Complete |
| 378 | 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: XXXX yrs CFCFS1736: Significant time at current residence - Clayton Comments: XXXX yrs |
Complete | |||||||||||||||
| 379 | 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: Qualifying FICO of 766 is 146 points above the 620 required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 32% is 53% below the 85% LTV allowed. |
Complete | |||||||||||||||
| 380 | 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: 49.29% LTV CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 FICO |
Complete | |||||||||||||||
| 381 | 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 | Approved exception for short-term rental income derived from statement generated by property management company XXX | An exception was approved for the guideline deviation. | page 6 - exception approval for the STR Rental income from a property management company | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 FICO score exceeds minimum FICO requirements by over 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves exceeds minimum reserve requirement by more than 6 months |
Complete |
| 382 | 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 | Subject property is a flip transaction. Subject was purchased by seller XXX for $XXX and borrower went under contract XXX for $XXX. | (No Data) | Exception for property flipping approved by XXX and in file. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of 0.89%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has over 200 months of Reserves. |
Complete |
| 383 | 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 51.84% is 18.16% below the 70% LTV allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. |
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| 384 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years at current job. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 20.31% is 29.69% below the 50% allowed. |
Complete | |||||||||||||||
| 385 | 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: Borrowers have XXXX months mortgage payment history XXXX. CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 740 is 40 points above the 700 required. |
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| 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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.22% DTI is low. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. |
Complete | |||||||||||||||
| 389 | 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 | Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report | No | The Credit Report is missing from the loan file. | credit report provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 47.67% is below the guideline of 65%. |
Complete |
| 389 | 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 | CRDCRMH120 | Collections, charge offs, liens, etc. exceed guidelines | No | Per guidelines, non-title charge-offs and collections open <XXXX years and greater than $XXXX (individually oraggregate) must be paid. Credit report reflects a recent charge off for XXX account with balance of $XXXX not paid off at closing. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 47.67% is below the guideline of 65%. |
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 yrs XXXX mos CFCFS1737: LTV below guideline requirements - Clayton Comments: 42.55% < 75% GL |
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| 392 | 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. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 810 is 170 points above the 640 minimum required. |
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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 26.56 months greater than the XXXX months reserves required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. |
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| 394 | 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: Qualifying FICO of 798 is 178 points above the 620 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 64.29% is 10.71% below the 75% LTV allowed. |
Complete | |||||||||||||||
| 395 | 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: 727 qualifying score is 67 points > requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.74% DTI is low. |
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| 397 | 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 | No Fraud report was provided in the loan file. | fraud report provided | Condition satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 397 | 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 | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | No Credit report was provided in the loan file. | credit report provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 397 | 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 | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report | No | No Credit report was provided in the loan file. | credit report provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 397 | 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 | CRDLGL195 | Missing Note | No | Missing Note. | Note provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 397 | 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 | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing 1008 approval. | 1008 provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 397 | 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 | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | Appraisal includes one or more issue(s) | appraisal provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 397 | 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 | No Appraisal report was provided in the loan file, unable to determine appraiser. | appraisal provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 397 | 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 | No UCDP report was provided in the loan file. | UCDP provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 397 | 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 | No Appraisal report was provided in the loan file. | appraisal and 1004D supporting original value provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 398 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | The property is vested as XXX, however, a Guaranty was not provided in the loan file. | Guaranty provided. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 774 is 74 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 0 months reserves required. |
Complete |
| 398 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP4651 | Seller may have purchased subject property within 90 days of contract | No | According to guidelines, On a purchase transaction when the home is being resold within XXXX days of sellers purchase date), the transaction is considered a XXXX. XXXX with resale prices in excess of the following will require pre-approval, unless the seller acquired the property in a private sale not exposed to any multiple listing service: o More than XXXX% increase within XXXX days o More than XXXX% increase from XXXX to XXXX days. In this case, Home was purchased by seller XXXX for $XXXX. It went on the market XXXX and under contract on XXXX in the amount of $XXXX. Home does not appear to be have been remodeled.An exception request was provided in the loan file, however, no evidence of approval was provided in the loan file. | (No Data) | A pre-approval was provided for the flip. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 774 is 74 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 399 | 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: 785 FICO exceeds guidelines by 20points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA vs XXXX months reserves required. |
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| 403 | 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: The borrower has been living at primary residence for XXXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves. |
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 | CFCFS2860: Good credit history - Clayton Comments: XXXX months CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months |
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| 406 | 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: 719 FICO score exceeds minimum FICO requirements by 79 points CFCFS1739: Positive mortgage payment history - Clayton Comments: XXX has over XXXX months payment history with no lates listed on the credit report |
Complete | |||||||||||||||
| 408 | 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 | Invalid | (No Data) | Invalid this is a fixed rate. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI 33.77% is 16.23% below the 50% max allowable. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 697 FICO is 37 points above the 660 minimum required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 410 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP241 | Property Type unacceptable under guidelines | No | According to guidelines, established condominium projects general eligibility requirements - No > XXXX% commercial space, no single entity owns; XXXX units (XXXX units). In this case, this is an established condo project located in XXX, XXXX, comprised of XXXX residential units and XXXX commercial units. The developer has retained ownership of all XXXX commercial units. In addition to the developer retaining interest in the project, we also have a single-entity ownership concern. The file includes an approval for this issue dated XXXX. | (No Data) | Exception granted dated XXXX is in file. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 21.78% is 28.22% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 785 is 105 points above the 680 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 411 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | 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 XXXX years XXXX months in profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 776 is 116 points above the 660 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 38.60% is 41.40% below the 80% LTV allowed. |
Complete | |||||||||||||||
| 412 | 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 774 is 114 points above the 660 minimum required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete | |||||||||||||||
| 416 | 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 | Missing taxes and insurance documents for primary residence located at XXX | taxes and insurance provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 711 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required per guidelines |
Complete |
| 417 | 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 75% is 10% below the 85% LTV allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 781 is 41 points above the 740 required. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years XXXX months at current residence. |
Complete | |||||||||||||||
| 422 | 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 820 is 120 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 101.76 months greater than the 6 months reserves required. |
Complete | |||||||||||||||
| 426 | 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 Delivery Restrictions -1 | No | Audit calculated DSCR of .873 is below the guideline minimum of 1.0 for a cashout refi. It appears the lender used the taxes reflected on the appraisal instead of the actual taxes from the tax certs of $XXXX (Town and School taxes). | verification of taxes provided. new DSCR is > 1 | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 740 is 40 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 430 | 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 application reflects the borrower is a XXXX, but the file includes a XXXX for the borrower. | revised 1003 provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 728 is 28 points above the 700 required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65% is 10% below the 75% LTV allowed. |
Complete |
| 430 | 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 | C | A | C | A | CRDTER4238 | Business entity does not meet guidelines | No | The guaranty agreement in the file was missing page 6. | guaranty agreement provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 728 is 28 points above the 700 required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65% is 10% below the 75% LTV allowed. |
Complete |
| 431 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have XXXX months mortgage payment history XXXX. CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years and XXXX months at current residence. |
Complete | |||||||||||||||
| 432 | 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: 720 Fico score exceeds the minimum Fico score by 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete | |||||||||||||||
| 434 | 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: The borrower has XXXX month in reserves. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has a credit line usage ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 679 Fico score is greater than the minimum Fico score of 640 |
Complete | |||||||||||||||
| 439 | 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 | Insurance | Satisfied | C | A | C | A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | HOI policy provided expired on XXXX. Provide the current policy. | current policy provided | Condition satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 FICO score exceed guidelines by 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: cash out proceeds exceed guidelines required reserves by more than XXXX months of PITIAS CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for XXXX years |
Complete |
| 439 | 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 | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Loan file did not contain a flood certificate | flood certificate provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 FICO score exceed guidelines by 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: cash out proceeds exceed guidelines required reserves by more than XXXX months of PITIAS CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for 6 years |
Complete |
| 439 | 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 | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance | HOI policy provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 FICO score exceed guidelines by 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: cash out proceeds exceed guidelines required reserves by more than XXXX months of PITIAS CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for XXXX years |
Complete |
| 444 | 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: Minimal credit utilization ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 722 is 22 points above the 700 required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
Complete | |||||||||||||||
| 447 | 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: Qualifying FICO of 693 exceeds guideline of 660. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned current residence for XXXX months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. |
Complete | |||||||||||||||
| 455 | 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 of 41.67% is 28.33% below the 75% LTV allowed. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX years XXXX month at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete | |||||||||||||||
| 456 | 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: Qualifying DTI of 6.97% is below the guideline maximum of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 710 exceeds the guideline of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA exceeds the XXXX months reserve requirement. |
Complete | |||||||||||||||
| 458 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is 10% below the 85% LTV allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. |
Complete | |||||||||||||||
| 459 | 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 | B | A | B | A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Credit report not provided in the loan file. | (No Data) | Credit report provided to cure | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 68.18 months greater than the 6 months reserves required. |
Complete |
| 459 | 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 | A XXXX month housing history is required. No open and active mortgages reporting on initial credit or free and clear properties require pre-approval. | Borrower's primary residence is free and clear - that is allowed and there is no pre-approval needed per XXXX guidelines. | Cleared. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 68.18 months greater than the 6 months reserves required. |
Complete |
| 459 | 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 | CRDCRMH189 | Missing credit report | No | Credit report not provided in the loan file. | Seller provided the credit report in file to satisfy the condition. | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 68.18 months greater than the 6 months reserves required. |
Complete |
| 459 | 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 | LTV/CLTV | Satisfied | B | A | B | A | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV Exceeds Guideline Requirement by less than 5% | (No Data) | Invalid exception | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 68.18 months greater than the 6 months reserves required. |
Complete |
| 459 | 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 | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | A 1008 was not provided in the loan file. | 1008 provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 68.18 months greater than the 6 months reserves required. |
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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 775 is 55 points above the 720 required. CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX+ months. |
Complete | |||||||||||||||
| 461 | 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: 727 FICO score exceeds guidelines by 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceeds guidelines by more than XXXX months PITIAS |
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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. |
Complete | |||||||||||||||
| 463 | 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: Qualifying FICO of 741 is 20 points above the 720 required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over XXXX years. |
Complete | |||||||||||||||
| 464 | 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 is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 751 is 51 points above the 700 required. |
Complete | |||||||||||||||
| 116 | 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 | Per appraisal and legal description subject property is located in a PUD; however, there was no PUD Rider attached to the DOT. | (No Data) | Documentation provided to cure. not a PUD per revised appraisal. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.24% LTV |
Complete |
| 116 | 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 | C | A | C | A | CRDTER5785 | XXXX Delivery Restrictions -1 | No | The Title Policy Amount of $XXXX is less than the Note amount of $XXXX based on the Commitment in file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 FICO CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.24% LTV |
Complete |
| 154 | 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 | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing page 1 of the Lease Agreement. | Lease agreement provided to cure | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA are XXXX months greater than the XXXX months required reserves. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 751 is 131 points above the 620 minimum required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 154 | 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 | Guideline require that subject property must be taken off the market on or before application date. In this case, the application date was XXXX and property was removed from the market on XXXX | Lender approval dated XXXX is on file. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA are XXXX months greater than the XXXX months required reserves. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 751 is 131 points above the 620 minimum required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 158 | 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 | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | The file is missing proof of XXXX months reserves, once hud-1 is provided cash out proceeds can be used. | HUD-1 provided verifying reserves | Condition satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: DSCR above minimum by .32 CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been living at primary residence for XXXX years |
Complete |
| 158 | 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 | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | The HUD-1 was not provided. Please provide the final HUD-1. | HUD-1 provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: DSCR above minimum by .32 CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has been living at primary residence for XXXX years |
Complete |
| 160 | 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 | Zero Tolerance Fee of $XXXX0 due to increase in Processing Fee from $XXXX on CD XXXX to $XXXX on Final CD XXXX. Missing a valid Change of Circumstance(s), or Post Close CD, LOX and copy of refund check to borrower. | Post consummation CD and check provided in the amount of $85 to cure. | Satisfied. | Numeric | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 733 > GL 680 |
Complete |
| 160 | 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 | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | The hazard policy for the subject property is missing from the loan file. | HOI policy provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score 733 > GL 680 |
Complete |
| 173 | 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 | B | C | B | CRDTER4631 | Loan parameters do not meet guidelines | No | The Prepayment Penalty of XXXX months at XXXX is not one of the three Prepayment Penalty structure options available. | XXXX has a max XXXX% PPP allowed which does not meet the XXXX guidelines of XXXX%. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years XXXX months at current residence. |
Complete |
| 181 | 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 | Legal Documents | Satisfied | D | B | D | B | CRDLGL100 | Legal document incorrect or incomplete | No | Provide a corrected Note and Mortgage that have matching dates and MIN #s. | Seller provided a corrected mortgage re-recorded and notarized post closing to match the note in file. | Satisfied | (No Data) | Not Applicable | 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 years and 1 month at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 137.75 months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 778 is 98 points above the 680 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 11.96% is 38.04% below the 50% allowed. |
Complete |
| 181 | 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 | B | A | B | A | CRDTER2850 | ARM terms do not meet guidelines | No | repushed | (No Data) | Invalid this is Fixed Mortgage | (No Data) | Not Applicable | 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 years and 1 month at current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 137.75 months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 778 is 98 points above the 680 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 11.96% is 38.04% below the 50% allowed. |
Complete |
| 192 | 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 | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing the XXXX month VOM for the subject property with XXXX. | XXXX transaction history provided to clear | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITI exceed the XXXX month reserve requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 703 exceeds guidelines of 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. |
Complete |
| 192 | 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 | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV of 63.05% exceeds the max allowed LTV of 60% when the subject property was inherited within the last XXXX months. Property was inherited XXXX | XXXX issued an exception allowing the LTV | Waived. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITI exceed the XXXX month reserve requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 703 exceeds guidelines of 620. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. |
Complete |
| 207 | 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 exceed the XXXX months reserve requirement. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 719 exceeds guideline of 660. |
Complete | |||||||||||||||
| 209 | 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 | The guides indicate gifts for any purpose are ineligible under asset utilization. The file includes a gift letter for funds for closing from the borrower's spouse who is not a borrower on the loan. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 25.2% is 24.8% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 795 is 135 points above the 660 required. |
Complete |
| 209 | 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 | According to the guidelines, using trust assets to qualify - Full trust documents are required, and borrower must be beneficiary of the trust. In this case, the loan was approved proceed using one borrower while qualifying with trust income, despite the borrowers spouse being listed on the trust documents. | (No Data) | Exception granted is file. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 25.2% is 24.8% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 795 is 135 points above the 660 required. |
Complete |
| 209 | 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 | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | A Warranty deed was not provided in the loan file. | Warranty deed provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 25.2% is 24.8% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 795 is 135 points above the 660 required. |
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. Fraudguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | fraud report provided. | Condition satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: XXXX credit score exceeds minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at current residence for past XXXX years and XXXX months 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 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX reserves exceed minimum required per guidelines |
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 | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | Note list the subject property's address as XXXX and Appraisal reflects address as XXXX | LOE provided for address | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: XXXX credit score exceeds minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at current residence for past XXXX years and XXXX months 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 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX reserves exceed minimum required per guidelines |
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 | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER5785 | XXXX Delivery Restrictions -1 | No | Missing XXXX Rate Lock | XXXX lock provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: XXXX credit score exceeds minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided at current residence for past XXXX years and XXXX months 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 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX reserves exceed minimum required per guidelines |
Complete |
| 219 | 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 | PRVAAPPR4789 | Appraisal Deficiency | No | The appraisal indicates the property address as XXXX which does not match the note and title. | appraisal ok as is | Condition satisfied. | (No Data) | Not Applicable | (No Data) | Complete |
| 231 | 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 | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing insurance binder effective on or prior to loan disbursement date XXXX. Insurance binder reflects effective date XXXX which is after Loan disbursement date of XXXX | updated policy provided | Condition satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 FICO CFCFS2854: Significant time in profession - Clayton Comments: Borrower has owned primary residence for XXXX years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months of reserves |
Complete |
| 242 | 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 | Application | Satisfied | C | A | C | A | CRDAPP131 | Occupancy status not supported by file documentation | No | An Occupancy affidavit was not provided in the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 798 is 138 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 32.29% is 17.71% below the 50% allowed. |
Complete |
| 242 | 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 | 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 for Rent free housing history. Both borrowers owned XXXX, XXXX, but the home was destroyed by a hurricane. Since then, B1 has been living rent-free with relatives and B2 has been renting for the past XXXX mo. | (No Data) | An exception approval is in the file | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 798 is 138 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 32.29% is 17.71% below the 50% allowed. |
Complete |
| 242 | 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 | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | A condo questionnaire was not provided in the loan file. | (No Data) | Documentation provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 798 is 138 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 32.29% is 17.71% below the 50% allowed. |
Complete |
| 247 | 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 | C | A | D | A | D | A | A | A | C | A | Compliance | Compliance Manual | Satisfied | C | A | C | A | CMPMAN2990 | 1003 - Final Application is not Accurate | No | Final 1003 is missing from the loan file. | 1003 provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 804 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX months. |
Complete |
| 247 | 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 | C | A | D | A | D | A | A | A | C | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | According to the guidelines on page 7, income and asset documentation must be dated XXXX days within the note date. Note day is XXXX and XXXX statement, account #XXXX is dated XXXX5. Statements are provided quarterly, provide XXXX asset statement. XXXX asset statement, account #XXXX is dated XXXX. Most recent statement period and/or quarter is required. | Updated statements and printouts for all accounts have been provided showing seasoning of XXXX days as required per the guidelines. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 804 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX months. |
Complete |
| 247 | 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 | C | A | D | A | D | A | A | A | C | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Per lock and 1008 loan was underwritten to the XXXX program; however, the AUS findings are missing from the loan file. | AUS provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO is 804 CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX months. |
Complete |
| 252 | 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 | LTV/CLTV | Waived | C | A | C | A | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Subject property is located in XXXX which requires review prior to closing. An approval was in file at 67% LTV but loan closed at 68.38% LTV. An updated exception approval at the higher LTV is missing from the loan file. | (No Data) | XXXX has approved the higher LTV | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $XXXX reserves in file; XXXX months PITIA. Required reserves are $XXXX CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX months. |
Complete |
| 252 | 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 | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | Per guidelines XXXX months seasoning is required for a cash out refi. Borrower has been making payments for over XXXX months but was not officially put on title until XXXX | (No Data) | Exception for seasoning approved up to $XXXX by XXXX and in file. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $XXXX reserves in file; XXXX months PITIA. Required reserves are $XXXX CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX months. |
Complete |
| 257 | 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 | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per XXXX guidelines the maximum LTV for a cash out refi using a 3rd party expense factor is 75%. Loan closed at 80% LTV which exceeds guidelines. An exception for the guideline deviation is missing from the loan file. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete |
| 258 | 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 borrower's signed the Note as individuals but did not sign on behalf of the XXXX | Updated note provided signed correctly. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceed guidelines by more than XXXX months PITIAS CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for XXXX years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 805 FICO exceeds guidelines by 20 points |
Complete |
| 262 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Compliance | Repayment Ability | Waived | B | B | B | B | CMPSTRA1493 | MN Home Loan - Repayment Ability not based on Full Doc | No | (No Data) | CompNow verified this is a EV2 condition which has been updated. XXXX has elected to waived and clear the condition as its non-material. | Waived. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX |
Complete |
| 262 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Compliance | State Consumer Protection | Satisfied | B | A | B | A | CMPSTCP1545 | MN Home Loan-Prior Loan a Special Mortgage | No | (No Data) | Prior loan is not a special mortgage. Not valid. | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX |
Complete |
| 262 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Compliance | TILA | Satisfied | B | A | B | A | CMPTILA4787 | TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. | No | (No Data) | Corrected data input satisfying the condition. Cash out proceeds for business purpose per LOE in file. | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX |
Complete |
| 262 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Credit | Application | Waived | B | B | B | B | CRDAPP130 | Application is incomplete | No | Per TLS guidelines in order to use appraised value the loan must be seasoned for XXXX months from the acquisition date to the application date. Subject was purchased XXXX and the application date is XXXX which is < XXXX months. | Exception to use the Note date rather than the application date for cash out seasoning approved by XXXX and in file. | Waived. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX |
Complete |
| 264 | 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 | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Amortization Schedule is missing from the loan file. | Amortization Schedule provided | Condition satisfied. | (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: 773 qualifying score is 113 points > 660 requirement. |
Complete |
| 264 | 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 | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower is XXXX and has not been with the same employer for XXXX+ years per guidelines. Borrower has been a licensed XXXX since XXXX, and changed XXXX companies XXXX | (No Data) | Exception for the guideline deviation approved by XXXX and in file. | (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: 773 qualifying score is 113 points > 660 requirement. |
Complete |
| 265 | 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 | 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) | Satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 782 is 102 points above the 680 minimum required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 265 | 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 | Legal Documents | Satisfied | D | A | D | A | CRDLGL100 | Legal document incorrect or incomplete | No | The warranty deed was not in the file. | warranty deed provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 782 is 102 points above the 680 minimum required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 265 | 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 | PRVAAPPR4789 | Appraisal Deficiency | No | The third party desk review was not in the file. The CU score was 3.5. | Corrected CDA provided. | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 782 is 102 points above the 680 minimum required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. |
Complete |
| 273 | 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 of 54.29% is 30.71% below the 85% max allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 817 is 157 points above the 660 minimum required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 4.17% is 45.83% below the 50% max allowed. |
Complete | |||||||||||||||
| 274 | 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: 791 FICO score exceeds minimum FICO requirements by 91 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves exceeds minimum reserve requirement by more than XXXX months |
Complete | |||||||||||||||
| 276 | 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 736 is 76 points above the 660 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is 10% below the 90% LTV allowed. |
Complete | |||||||||||||||
| 280 | 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 amortization schedule. | amortization schedule provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68% is 7% below the 75% max allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 785 is 85 points above the 700 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 287 | 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: Qualifying DTI (Back) of 33.81% is 16.19% below the 50% allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 733 is 73 points above the 660 required. |
Complete | |||||||||||||||
| 289 | 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 borrower is paying off debt at closing; however, this is a business purpose loan. | Borrower verified the credit cards being paid at closing were incurred for purchases, improvement and maintenance of the subject investment property. Borrower stated it was solely for business purposes and not personal expenses. | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 716 qualifying score is 96 points > 620 requirement. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has positive mortgage payment history reported on credit report XXXX |
Complete |
| 291 | 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 | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves of XXXX months is less than the 6 months minimum. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 694 FICO exceeds the minimum requirement of 640. |
Complete |
| 298 | 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 | According to the XXXX matrix, XXXX properties are ineligible. | XXXX reviewed and approved the XXXX property with comp factors. | Waived. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 32.02% is 17.98% below the 50% allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 728 is 88 points above the 640 required. |
Complete |
| 301 | 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 | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Per guideline, loan amount > $XXXX million requires XXXX full appraisals. In this case , the loan amount is $XXXX with LTV of 75% and file is missing the second appraisal required. | 2nd full appraisal provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 39.09% is 10.91% below the 50% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA are XXXX months greater than the XXXX months reserves required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 766 is 66 points above the 700 minimum allowed. |
Complete |
| 303 | 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 | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared Non-QM: Lender documented all ATR UW factors; Clayton status is ATR Risk: Non-QM - Lender did not document all ATR UW factors due to Qualifying DTI of 46.78%, which is greater than the maximum 45% DTI allowed when using Asset Utilization for income. | XXXX waived the DTI exception. | Satisfied | (No Data) | Not Applicable | 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: 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 |
| 303 | 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 | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Clayton status is ATR Risk: Non-QM - Lender did not document all ATR UW factors due to Qualifying DTI of 46.78%, which is greater than the maximum 45% DTI allowed. | XXXX waived the DTI exception. | Satisfied | (No Data) | Not Applicable | 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: 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 |
| 303 | 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 | 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: XXXX1 (Final) Loan Calculation, Total of Payments, CD Value: $XXXX, system calculation is $XXXX Exception satisfied with PCCD XXXX | Exception satisfied with PCCD XXXX | Satisfied | Numeric | Not Applicable | 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: 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 |
| 303 | 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 | CRDTER3122 | Loan documents do not meet guideline requirements | No | The loan exceeds the max DTI of 45%; the actual DTI is 46.78%. The loan was approved to used partial asset utilization and per guidelines the max DTI is 45%. | XXXX approved the DTI with comp factors supported. | Waived. | (No Data) | Not Applicable | 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: 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 |
| 308 | 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 | Verification of the tax preparers active license is missing from the loan file. | Verification of the tax preparers active license provided. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 qualifying score is 78 points > 660 requirement. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have positive mortgage payment history reported on credit report XXXX |
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 | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. |
Complete | |||||||||||||||
| 312 | 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: Reserves of XXXX months PITI exceed guideline of XXXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 751 exceeds minimum of 620. |
Complete | |||||||||||||||
| 314 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | The dwelling coverage is insufficient | Hazard Policy w/checklist of coverage Hazard Ins Policy provided supporting sufficient coverage. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 FICO score exceeds minimum FICO requirements by over 20 points CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is more than 5 points below maximum DTI requirements. |
Complete |
| 314 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency | No | The CU/LCA score is above 2.5 and missing a secondary valuation | CDA provided to support appraisal | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 FICO score exceeds minimum FICO requirements by over 20 points CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is more than 5 points below maximum DTI requirements. |
Complete |
| 316 | 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 | Application | Waived | B | B | B | B | CRDAPP130 | Application is incomplete | No | A XXXX month housing history is required. Borrowers living rent free requires preapproval. | (No Data) | Preapproval for incomplete housing history approved by XXXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $XXXX reserves in file; XXXX months PITIA. Required reserves are $XXXX = $XXXX CFCFS2860: Good credit history - Clayton Comments: XXXX months |
Complete |
| 319 | 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 | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
Complete | |||||||||||||||
| 321 | 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 | Income/Employment | Waived | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | According to the guidelines, market rents from appraisal form 1007 will be used to calculate the Debt Service Coverage Ratio (DSCR) based on annual tenancy. In this case, a future lease was utilized to determine the DSCR. An exception approval is in the file. | (No Data) | Exception granted dated XXXX is in file | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 750 is 110 points above the 640 required. |
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 | 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 at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 FICO CFCFS1737: LTV below guideline requirements - Clayton Comments: 58% LTV |
Complete | |||||||||||||||
| 335 | 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 and XXXX months at current job. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 718 is 38 points above the 680 minimum required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years XXXX months at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 35.52% is 14.48% below the 50% max allowed. |
Complete | |||||||||||||||
| 337 | 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: Borrowers have XXXX months mortgage payment history XXXX. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. |
Complete | |||||||||||||||
| 338 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years and XXXX month at current residence. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 801 is 81 points above the 720 minimum required. |
Complete | |||||||||||||||
| 343 | 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 title commitment dated XXXX has insufficient loan amount insurance of $XXXX. The minimum proposed amount of title insurance required is $XXXX | updated Title provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.56% is below the guideline maximum of 75%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 750 exceeds guideline of 620. |
Complete |
| 344 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 25.12% is 24.88% below the 50% max allowed. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXX months at current job. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA are XXXX months greater than the 6 months required reserves. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 785 is 105 points above the 680 minimum required. |
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 | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 29.21% is 15.79% below the 45% max allowed. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 780 is 120 points above the 660 minimum required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX month at current residence. |
Complete | |||||||||||||||
| 346 | 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 exceeds guidelines by more than XXXX months PITIAS CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for XXXX years |
Complete | |||||||||||||||
| 347 | 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 | Missing the XXXX Capital Rate Lock Report in the file. | XXXX lock provided. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: PITIA cash reserves exceed guidelines by more than XXXX months of PITIA CFCFS1741: Credit score exceeds guidelines - Clayton Comments: fico exceeds guidelines by more than 20 points CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has owned primary residence for XXXX years |
Complete |
| 350 | 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 | Please provide PG 1 of the amortization schedule | complete amortization schedule provided. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX CFCFS2854: Significant time in profession - Clayton Comments: XXXX |
Complete |
| 351 | 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 exceeds guidelines by more than XXXX months PITIAS CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
Complete | |||||||||||||||
| 352 | 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 | Subject Condo unit has a Gross Living Area (GLA0 of XXXX/f. | (No Data) | Lender approval dated XXXX is on file. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has XXXX% revolving credit utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 801 is 141 points above the 660 minimum allowed. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 38% is 7% below the 45% max allowed. |
Complete |
| 353 | 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 exceeds minimum reserve requirement by more than 6 months CFCFS1736: Significant time at current residence - Clayton Comments: The brwr has been at current residence for XXXX years per application. |
Complete | |||||||||||||||
| 356 | 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: DSCR above minimum by .32 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 751 Fico score exceeds the minimum Fico score by more than 20 points |
Complete | |||||||||||||||
| 357 | 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 | CRDTER3262 | Property issues indicated | No | An exception approval is in the file to allow the wind coverage not insured @ the same XXXX% replacement cost. All otheraspects meet warrantable guides. Full replacement coverage equals $XXXX & wind coverage is $XXXX | (No Data) | An exception approval is in the file. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have XXXX months mortgage payment history XXXX. |
Complete |
| 359 | 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 | D | A | D | A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | Missing Condo Questionnaire. | Condo Questionnaire provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is 5% below the 80% LTV allowed. |
Complete |
| 360 | 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: Borrowers have XXXX months mortgage payment history XXXX. CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. |
Complete | |||||||||||||||
| 361 | 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: Minimal credit utilization ratio of XXXX%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 660 is 20 points above the 640 required. |
Complete | |||||||||||||||
| 364 | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Property Valuations | Appraisal | Waived | C | B | C | B | PRVAAPPR233 | Comps or Adjustments Not Appropriate | No | Comps were not exposed to MLS. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA are XXXX months greater than the XXXX months reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 74.36% is 5.64% below the 80% max allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 758 is 38 points above the 720 minimum required. |
Complete |
| 368 | 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 exceed guidelines by more than 6 months PITIAS |
Complete | |||||||||||||||
| 371 | 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 | CRDLGL4033 | Missing Legal Document(s) | No | The EIN# for the entity being vested in the subject property, is missing from the loan file. | N/A. single-member LLC per Operating Agreement | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 qualifying score is 116 points > 660 requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.22% DTI is low. |
Complete |
| 371 | 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 | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Warranty Deed is missing from the loan file. | Warranty Deed provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 qualifying score is 116 points > 660 requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.22% DTI is low. |
Complete |
| 371 | 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 | CRDTER3122 | Loan documents do not meet guideline requirements | No | An Exception Approval was placed in the loan file to allow master HOA policy which has a sublimit for Named Storm coverage and HOA's fidelity/employee dishonesty does not meet requirements. | (No Data) | Exceptions approved by XXXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 qualifying score is 116 points > 660 requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.22% DTI is low. |
Complete |
| 372 | 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 761 is 61 points above the 700 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 37.13 months greater than the 6 months reserves required. |
Complete | |||||||||||||||
| 386 | 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: Qualifying FICO of 733 is 93 points above the 640 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is 40.66 months greater than the 6 months reserves required. |
Complete | |||||||||||||||
| 387 | 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 | Federal Consumer Protection | Satisfied | C | A | C | A | CMPFDCP3208 | NMLS License verification found Loan Originator was inactive at time of origination | No | NMLS license verification found Loan Originator, XXXX, was inactive at time of origination. NMLS verification indicated LO was not licensed in XXXX nor authorized to represent XXXX (or any lender). | According to her licensing info, she did have an active license through XXXX, which was the date this loan funded | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 732 exceeds guideline of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXXXmonths operating current business. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is XXXX+ months. |
Complete |
| 391 | 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 is XXXX months greater than the XXXX months reserves required. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% |
Complete | |||||||||||||||
| 396 | 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 | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Borrower's 80% LTV exceeds the max allowed of 70% for FTHB when using WVOE. Lender approval is on file. | Lender approval is on file. | Waived | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 35.58% is 14.42% below the 50% max allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 732 is 52 points above the 680 minimum required. |
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 | CFCFS1737: LTV below guideline requirements - Clayton Comments: 54.29% LTV CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 684 is 24 points above the 660 required. |
Complete | |||||||||||||||
| 401 | 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 file contains an exception because the borrower purchased a total of XXXX properties. The total amount for all properties are $XXXX Three of the properties are located in the XXXX | (No Data) | Exception approved by XXXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 Fico score exceeds the minimum Fico score by more than 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 402 | 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 | Application | Waived | B | B | B | B | CRDAPP130 | Application is incomplete | No | Borrower is purchasing XXXX property. Totalamount for all property is $XXXXThere is XXXX of the property that are in thesame sub-divisionXXXX.Total asset amount is $XXXX.loan is .XXXX over 1.00 dscr.c/s is over 158pts min need for program.Borrower has ahistory of being an investor. | XXXX made an exception for borrower having XXXX or more loans in the same subdivision | Waived | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: XXXX yrs at current residence CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX months |
Complete |
| 404 | 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 | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower has purchase XXXX property. Total amount for all property is $XXXX.There is XXXX of the property that are in the same XXXX. Loan is .XXXX over 1.00 DSCR c/s is over 158 pts min need for program. Borrower has a history of being an investor. | (No Data) | Exception reviewed and approved by XXXX and in file. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO exceeds guidelines by 20 points CFCFS1736: Significant time at current residence - Clayton Comments: Borrower time at primary residence is XXXX CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves exceeds guidelines by more than XXXX months PITIAS |
Complete |
| 407 | 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: 787 credit score exceeds minimum required CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided at current residence for the past XXXX years and XXXX months CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete | |||||||||||||||
| 409 | 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 | 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 | |||||||||||||||
| 413 | 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 is XXXX months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 777 is 37 points above the 740 required. |
Complete | |||||||||||||||
| 414 | 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 | Income/Employment | Waived | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | An exception approval is in the file to use Ltr1007 value over obtaining Lease. Market rents cover PITIA. Subject is currently lease as STR. | An exception approval is in the file | Waived | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 774 is 74 points above the 700 required. |
Complete |
| 414 | 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 waive escrows for tax and insurance. | An exception approval is in the file | Waived | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 774 is 74 points above the 700 required. |
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 | 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) | Satisfied | Numeric | 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 |
| 418 | 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 is 186.97 months greater than the XXXX months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 780 is 120 points above the 660 required. |
Complete | |||||||||||||||
| 419 | 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 of $XXXX due to increase in Loan Discount point from $XXXX on CD XXXX to $XXXX on CD XXXX. Missing a valid Change of Circumstance(s), or Post Close CD, LOX and copy of refund check to borrower. | (No Data) | Lender provided XXXX COC - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 789 is 129 points above the 660 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months reserves required. |
Complete |
| 420 | 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 XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 credit score exceeds minimum required CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX verified cash reserves exceed minimum required |
Complete | |||||||||||||||
| 421 | 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: Qualifying FICO of 753 is 113 points above the 640 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the 6 months reserves required. |
Complete | |||||||||||||||
| 423 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXXX months of Reserves. |
Complete | |||||||||||||||
| 424 | 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 | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ XXXX% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence. CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX months. |
Complete | |||||||||||||||
| 425 | 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 | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH148 | Credit report stale dated at closing | No | The NFM guides indicate the credit report must be no more than XXXX days old as of the Note date. The original credit report was dated XXXX and the note date is XXXX. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of 7.19%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.45% LTV is low. |
Complete |
| 425 | 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 | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The Mortgage statement and Hazard Insurance if not included in the mortgage statement for XXXX., are missing from the loan file. | Mortgage statement provided verifying escrows were included. | Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.45% LTV is low. |
Complete |
| 425 | 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 | The XXXX & XXXX business tax returns were not signed. | signed tax returns provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit utilization of XXXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.45% LTV is low. |
Complete |
| 427 | 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 | CRDLGL100 | Legal document incorrect or incomplete | No | Business purpose affidavit is missing page 2. | Business affidavit provided to satisfy the condition. | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.95% is 13.5% below the 70% max allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA are XXXX months greater than the XXXX months required reserves. |
Complete |
| 428 | 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: The qualifying credit score is 773 and exceeds the guide minimum. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months reserves after closing. |
Complete | |||||||||||||||
| 429 | 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 | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Per multiple documentation in file, it appears Subject has a Public Alley adjoining. Title Company or Appraiser to comment on whether Survey provided is acceptable to cure in the absence of easement. | LOE from title co provided. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. |
Complete |
| 433 | 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 | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard coverage is $XXXX which is insufficient to cover loan amount of $XXXX | Policy verifying Guaranteed Replacement Cost provided. | Condition satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal credit utilization ratio of XXXX%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 61.62% is 23.38% below the 85% LTV allowed. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years. |
Complete |
| 435 | 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 | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | According to the underwriting guidelines, cash out refinances require at least XXXX months of XXXX. The loan currently has XXXX months of reserves which do not meet the guidelines. | (No Data) | An exception was approved for the guideline deviation. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower is experienced investor with XXXX investment properties. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53% is 22% below the 75% LTV allowed. |
Complete |
| 436 | 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 of XXXX months PITIA exceed the XXXX month reserve requirement. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 33.53% is below guideline maximum of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 726 exceeds guideline of 660. |
Complete | |||||||||||||||
| 437 | 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 | Subject property is zoned Legal but has general commercial zoning. | (No Data) | Exception for General Commercial Zoning approved by XXXX and in file. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Brwr has resided at current residence for 9 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 FICO score exceeds minimum FICO requirements by over 20 points |
Complete |
| 438 | 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. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 778 exceeds the guideline of 620. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA exceed the guideline of XXXX months reserves required. |
Complete | |||||||||||||||
| 440 | 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 rent free letter is missing from the loan file. | rent free letter provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 qualifying score is 133 points > 660 requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXXX months Reserves. |
Complete |
| 440 | 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 Certificate of Good Standing for the borrower's business is missing from the loan file. | documentation in file is sufficient | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 793 qualifying score is 133 points > 660 requirement. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has XXXX months Reserves. |
Complete |
| 441 | 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 | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Borrower has XXXX months PITIA reserves but guideline requires XXXX months minimum PITIA reserves. | AFN using super delegation to approve reserves | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 718 is 78 points above the 640 minimum required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: XXXX housing payment history. |
Complete |
| 442 | 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 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 734 is 94 points above the 640 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is 5% below the 80% LTV allowed. |
Complete | |||||||||||||||
| 443 | 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 | CRDTER3122 | Loan documents do not meet guideline requirements | No | The file is missing the amortization schedule. | amortization schedule provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 Fico score exceeds the minimum Fico score by more than 20 points CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: The borrower has XXXX months in reserves |
Complete |
| 445 | 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. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 713 is 70 points above the 640 required. |
Complete | |||||||||||||||
| 446 | 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 | Income/Employment | Waived | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | Borrower is using the higher lease amount to qualify but with only XXXX months receipt of rent instead of the XXXX months required. | Lender approval dated XXXX is on file. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 730 is 30 points above the 700 minimum allowed. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of 37.25 months PITIA are 31.25 months greater than the 6 months required reserves. |
Complete |
| 448 | 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 | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have XXXX years XXXX months at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA exceed the guideline of XXXX months required with Asset Utilization. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 809 exceeds the guideline of 640. |
Complete | |||||||||||||||
| 449 | 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: Qualifying FICO of 676 is 36 points above the 640 required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 72.64% is 7.36% below the 80% LTV allowed. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. |
Complete | |||||||||||||||
| 450 | 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 | repushed | (No Data) | Invalid this is Fixed Mortgage | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 FICO CFCFS1737: LTV below guideline requirements - Clayton Comments: 70% LTV |
Complete |
| 451 | 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 | Insurance | Satisfied | D | A | D | A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | The Hazard Insurance policy is missing from the loan file. | HOI policy provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 qualifying score is 56 points > 700 requirement. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has positive mortgage payment history reported on credit report XXXX 0X90. |
Complete |
| 452 | 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 66.48% < GL 80% CFCFS2854: Significant time in profession - Clayton Comments: XXXX mos |
Complete | |||||||||||||||
| 453 | 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 > XXXX CFCFS1736: Significant time at current residence - Clayton Comments: XXXXmos |
Complete | |||||||||||||||
| 454 | 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 | Missing 1st page of business bank statement for statement period ending XXXX.Missing 9th page of business bank statement for statement period ending XXXX | Missing business bank statement pages provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 41.06% is 8.94% below the 50% allowed. |
Complete |
| 454 | 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 | C | A | C | A | CRDTER4631 | Loan parameters do not meet guidelines | No | According to guidelines on page 25 (XXXX), required documentation: Bank statements should be most recent available at time of application but never more than 45 days prior to application.Application date is XXXX and bank statement is XXXX | updated bank statements provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in same profession for XXXX years. CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI (Back) of 41.06% is 8.94% below the 50% allowed. |
Complete |
| 457 | 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: Minimal credit utilization ratio of XXXX%. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past XXXX years - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past XXXX years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. |
Complete | |||||||||||||||
| 465 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Housing history is missing for the primary residence | VOM provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves exceeds minimum reserve requirement by more than XXXX months |
Complete |
| 465 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject has unpermitted ADU with no similar comps | (No Data) | Exception approved for unpermitted ADU by XXXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves exceeds minimum reserve requirement by more than XXXX months |
Complete |
| 465 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Appraisal was made "subject to repairs" but the 1004 D Final Inspection is missing from the loan file. | 442 provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves exceeds minimum reserve requirement by more than XXXX months |
Complete |
| 465 | XXXXXX | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Appraiser to correct occupancy from owner to tenant. | updated appraisal provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves exceeds minimum reserve requirement by more than XXXX months |
Complete |
| 466 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX Mortgage has XXXX months payment history with no lates listed on the credit report CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: XXXX months reserves exceeds minimum reserve requirement by more than XXXX months |
Complete | |||||||||||||||
| 467 | 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 | CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have XXXX months mortgage payment history XXXX. CFCFS2860: Good credit history - Clayton Comments: Borrower has XXXX for XXXX months. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX years at current residence |
Complete | |||||||||||||||
| 468 | 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 and XXXX months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 724 is 24 points above the 700 minimum required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA are XXXX months greater than the XXXX months required reserves. |
Complete | |||||||||||||||
| 469 | 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 | CRDTER4643 | Borrower does not meet guideline requirements | No | According to the underwriting guidelines, the DSCR program is intended for a Borrower who is financing the property solely for commercial purposes and is designated for business purposes only. In this case, the borrower is using a portion of the cash out to payoff personal credit debt which is not allowed. | Per CompNow Since XXXX looks at the Primary purpose of the loan, and assuming that this debt is not significant enough to meet that standard, then it is still business purpose. Additionally, the guidelines require the accounts had to be paid off. | Satisfied. | (No Data) | Not Applicable | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI of 41.60% is 8.40% below the 50% max allowed. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying FICO of 761 is 81 points above the 680 minimum required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has XXXX months at current residence. 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 | |||||||||||||||
| 471 | 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: The borrower has XXXX months in reserves CFCFS1739: Positive mortgage payment history - Clayton Comments: XXXX - housing history |
Complete | |||||||||||||||
| 472 | 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. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower is XXXX for the primary residence mortgage reporting on the credit report. |
Complete | |||||||||||||||
| 473 | 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 | CRDTER5785 | XXXX Delivery Restrictions -1 | No | The loan file does not contain XXXX showing $XXXX in verified assets that were used as funds to close the subject loan. | bank statement provided | Condition satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of XXXX months PITIA is XXXX months greater than the XXXX months reserves required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has over XXXX years self employment. |
Complete |
| 474 | 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: Cash out proceeds exceed guidelines more than XXXX months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score exceeds guidelines by 20+ points |
Complete | |||||||||||||||
| 475 | 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 been in the same residence for the past XXXX years and XXXX months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 credit score exceeds minimum required CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in the same profession for the past XXXX years and XXXX months |
Complete | |||||||||||||||
| 476 | 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 is 24.54 months greater than the 6 months reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 FICO |
Complete |
| Client Name: | XXXXX |
| Client Project Name: | XXXXX |
| Start - End Dates: | XXXXX |
| Deal Loan Count: | 374 |
| Conditions Report 2.0 | |
| Loans in Report: | 374 |
| Loans with Conditions: | 191 |
| Deal ID | Loan Number | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Loan Credit Grade | Final Securitization Loan Credit Grade | Initial Securitization Loan Property Valuation Grade | Final Securitization Loan Property Valuations Grade | Initial Securitization Loan Compliance Grade | Final Securitization Loan Compliance Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Loan Credit Grade | Final S&P Loan Credit Grade | Initial S&P Loan Property Valuation Grade | Final S&P Loan Property Valuations Grade | Initial S&P Loan Compliance Grade | Final S&P Loan Compliance Grade | Did Lender Acknowledge Exception at Origination |
| 103 | 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 |
| 104 | XXXXXX | XXXXXX | XXXXXX | C | B | C | A | C | B | A | A | C | B | C | A | C | B | A | A | Not Applicable |
| 105 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Not Applicable |
| 106 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 107 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 108 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 109 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 110 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 111 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 112 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Not Applicable |
| 113 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 114 | 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 |
| 115 | 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 |
| 116 | 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 |
| 117 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 118 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 119 | 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 |
| 120 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable |
| 121 | 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 |
| 122 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 123 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 124 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 125 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 126 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 127 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 128 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 129 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 130 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 131 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 132 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 133 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 134 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 135 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 136 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 137 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 138 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 139 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 140 | 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 |
| 141 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 142 | XXXXXX | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 143 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 144 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 145 | 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 |
| 146 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 147 | 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 |
| 148 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 149 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 150 | 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 |
| 151 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Not Applicable |
| 152 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 153 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 154 | 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 |
| 155 | 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 |
| 156 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 157 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Not Applicable |
| 158 | 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 |
| 159 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 160 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No |
| 161 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 162 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 163 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 164 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 165 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 166 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 167 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 168 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 169 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 170 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 171 | 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 |
| 172 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 173 | 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 |
| 174 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 175 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 176 | 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 |
| 177 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | B | A | A | A | C | B | C | B | B | A | A | A | Not Applicable |
| 178 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 179 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 180 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | No |
| 181 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 182 | XXXXXX | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 183 | 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 |
| 184 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Yes |
| 185 | XXXXXX | XXXXXX | XXXXXX | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Not Applicable |
| 186 | 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 |
| 187 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | No |
| 188 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable |
| 189 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 190 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 191 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 192 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 193 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 194 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| 195 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 196 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 197 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 198 | 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 |
| 199 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 200 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 201 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 202 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 203 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 204 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 205 | 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 |
| 206 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| 207 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 208 | 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 |
| 209 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Yes |
| 210 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 211 | XXXXXX | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No |
| 212 | XXXXXX | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | 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 | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 215 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Not Applicable |
| 216 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 217 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 218 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 219 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 220 | 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 |
| 221 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 222 | 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 |
| 223 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 224 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Yes |
| 225 | XXXXXX | XXXXXX | XXXXXX | D | B | D | A | B | B | N/A | N/A | D | B | D | A | B | B | N/A | N/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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 228 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 229 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 230 | 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 |
| 231 | 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 |
| 232 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 233 | XXXXXX | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable |
| 234 | 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 |
| 235 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 236 | 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 |
| 237 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 238 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 239 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | 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 | D | B | D | B | A | A | B | A | D | B | D | B | A | A | B | A | No |
| 242 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 243 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 244 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 245 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | 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 | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Not Applicable |
| 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 | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | Not Applicable |
| 250 | XXXXXX | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | No |
| 251 | XXXXXX | XXXXXX | XXXXXX | D | B | B | B | D | A | N/A | N/A | D | B | B | B | D | A | N/A | N/A | No |
| 252 | 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 |
| 253 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 254 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | No |
| 255 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 256 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 257 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 258 | 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 |
| 259 | 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 |
| 260 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 261 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 262 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Yes |
| 263 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 264 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Yes |
| 265 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Not Applicable |
| 266 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 267 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 268 | 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 |
| 269 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 270 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 271 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 272 | 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 |
| 273 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 274 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 275 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 276 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 277 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| 278 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 279 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 280 | 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 |
| 281 | 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 |
| 282 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 283 | 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 |
| 284 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 285 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 286 | XXXXXX | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 287 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 288 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 289 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 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 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 292 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 293 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 294 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 295 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 296 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 297 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 298 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| 299 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 300 | 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 |
| 301 | XXXXXX | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Yes |
| 302 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 303 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Not Applicable |
| 304 | 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 |
| 305 | 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 |
| 306 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | 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 | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 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 | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 311 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 312 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | 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 | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Not Applicable |
| 315 | XXXXXX | XXXXXX | XXXXXX | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Not Applicable |
| 316 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 317 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 318 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 319 | 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 |
| 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 | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 322 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 323 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 324 | 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 |
| 325 | 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 |
| 326 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 327 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 328 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 329 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 330 | 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 |
| 331 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 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 | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 334 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 338 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 339 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 340 | XXXXXX | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 341 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 342 | 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 |
| 343 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 347 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 348 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 349 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Not Applicable |
| 350 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 351 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 352 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 353 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 354 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 355 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 356 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 357 | 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 |
| 358 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 359 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 360 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 361 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 364 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Not Applicable |
| 365 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | 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 | Not Applicable |
| 367 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 368 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 369 | 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 |
| 370 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 371 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | N/A | N/A | D | B | D | B | A | A | N/A | N/A | Yes |
| 372 | 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 |
| 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 | No |
| 375 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 376 | 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 |
| 377 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 378 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 379 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | 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 | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 382 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 383 | 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 |
| 384 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 385 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 386 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 387 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 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 | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 390 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 391 | 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 |
| 392 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 395 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 396 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 397 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | D | A | N/A | N/A | D | A | D | A | D | A | N/A | N/A | No |
| 398 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | C | A | N/A | N/A | D | A | D | A | C | A | N/A | N/A | Yes |
| 399 | 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 |
| 400 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 401 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 402 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 403 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 404 | 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 |
| 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 | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 408 | XXXXXX | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409 | 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 |
| 410 | XXXXXX | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Yes |
| 411 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 412 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 413 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 414 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 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 | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 417 | 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 |
| 418 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 419 | XXXXXX | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 420 | 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 |
| 421 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 422 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 423 | 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 |
| 424 | 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 |
| 425 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 426 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 427 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 428 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 429 | XXXXXX | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 430 | 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 |
| 431 | 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 |
| 432 | 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 |
| 433 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 434 | 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 |
| 435 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 436 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 437 | XXXXXX | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 438 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 439 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 440 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 441 | XXXXXX | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 442 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 443 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 444 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 445 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 446 | 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 |
| 447 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 448 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 449 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 450 | XXXXXX | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 451 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 452 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 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 | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 455 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 456 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 457 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 458 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 459 | XXXXXX | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 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 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 464 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 465 | XXXXXX | XXXXXX | XXXXXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Not Applicable |
| 466 | 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 |
| 467 | 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 |
| 468 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 469 | 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 |
| 470 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 471 | 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 |
| 472 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 473 | XXXXXX | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 474 | 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 |
| 475 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 476 | XXXXXX | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |