Exhibit 99.4 - Schedule 2
| Client Name: | ||||||||||||||||||||||||||||||||||||
| Client Project Name: | EFMT 2026-CES2 | |||||||||||||||||||||||||||||||||||
| Start - End Dates: | 4/17/2025 - 1/9/2026 | |||||||||||||||||||||||||||||||||||
| Deal Loan Count: | 793 | |||||||||||||||||||||||||||||||||||
| Conditions Report 2.0 | ||||||||||||||||||||||||||||||||||||
| Loans in Report: | 793 | |||||||||||||||||||||||||||||||||||
| Loans with Conditions: | 176 | |||||||||||||||||||||||||||||||||||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| 2134876 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD's dated XXXX and XXXX- Loan Disclosures- Escrow Account - neither of You declined it and/or Your lender does not offer one are selected | 10/02/2025 Client provided PCCD with corrections and COC for changes listed. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.42% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 9.94% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 19 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 25 years | |
| 2134876 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated XXXX and XXXX reflect $0.00 for estimated taxes insurance and assessments in the projected payments section. Four junior liens, disclosure of the first lien taxes, insurance and assessments is required. | 10/02/2025 Client provided PCCD with corrections and COC for changes listed. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.42% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 9.94% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 19 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 25 years | |
| 2134876 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated XXXX and XXXX- Loan Disclosure- Escrow account- Estimated Property Costs over 1 year reflects $0.00 | 10/02/2025 Client provided PCCD with corrections and COC for changes listed. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.42% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 9.94% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 19 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 25 years | |
| 2135061 | XXXXXX | CA | 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 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $315 for ten percent tolerance fees.A Notary Fee was added to the Final CD dated XXXX in the amount of $350.00. This fee was located in Section B and was tested at a 10% tolerance. | XXXX Client provided PCCD XXXX removing the Credit Service fee and Final Settlement Statement reflecting fee removed. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 52.94% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 84 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 32.07% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 23.75 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 31.08 years | |
| 2135061 | XXXXXX | CA | 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 | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determination | XXXX Client provided QM points and fees determination worksheet. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 52.94% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 84 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 32.07% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 23.75 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 31.08 years | |
| 2135061 | XXXXXX | CA | 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 | C | A | C | A | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Information Form | XXXX Client provided copy of the Supplemental Consumer Information Form | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 52.94% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 84 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 32.07% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 23.75 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 31.08 years | |
| 2135061 | XXXXXX | CA | 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 | Missing lender's loan approval/underwriting form | No | Missing Lender's 1008 | XXXX Client provided Lender 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 52.94% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 84 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 32.07% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 23.75 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 31.08 years | |
| 2135062 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | The file is missing the 1st mortgage statement has required by the guidelines | 12/9 Client provided the mortgage statement | Satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 28% | |
| 2135062 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | Missing lender's loan approval/underwriting form | No | Missing 1008 | 12/8 Client provided the 1008 | Satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 28% | |
| 2135063 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated XXXX and XXXX reflects $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien Taxes, Insurance and Assessments is required. | 10/2XXXX Client provided 2 corrected 10/23 PCCDs. Condition remains for the LOE to borrower.XXXX Client provided LOE to Borrower for change. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 64.98% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9.67 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8.5 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 17.5 years | |
| 2135063 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated XXXX and XXXX- Loan Disclosures- Escrow Account - Estimated property costs over 1 year reflects $0.00 | 10/2XXXX Client provided 2 corrected 10/23 PCCDs. Condition remains for the LOE to borrower.XXXX Client provided LOE to Borrower for change. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 64.98% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9.67 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8.5 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 17.5 years | |
| 2135063 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | DTI | Satisfied | C | A | C | A | Debt Ratio > 45% | No | Borrower income of $5,651.52 bi-weekly x 26 / 12 = $12,244.96 per month per the pay stub dated 9/26/2025. The1003 is reflecting a relocation subsistence of $8,529.40 per month which is reflected on the 2023 and 2024 YE pay stubs but is not showing on the 2025YTD pay stub. 2025 paystub reflects XXX Per Diem XXX of $3570.62. Need employer to verify this is the same as XXX Subsistence and that this income will continue. | 10/27 Client provided a duplicate 1008; Condition remains to support XXX subsistence income will continue12/4 Client provided evidence that XXX income will continue and is actually per diem income recalculated DTI using XXX income | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 64.98% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9.67 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8.5 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 17.5 years | |
| 2135065 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Missing Mortgage | No | Mortgages in file are dated XXXX and XXXX. Missing Mortgage to match the subject loan. | XXXX Client provided missing, fully executed Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 20 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 42% | |
| 2135065 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD was received by borrower 3 days before consummation date of XXXX | XXXX Client provided missing Initial LE dated XXXX. Mail rule applies, earliest closing dateXXXX.Closing took place XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 20 years at current residence CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 42% | |
| 2135066 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Missing Mortgage | No | Missing Executed Mortgage | XXXX Client provided missing, fully executed Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 69.71% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 56 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8 years | |
| 2135067 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests | No | Missing all Closing Disclosures | XXXX Client provided missing Final CD XXXX. | Condition Satisfied. | Hybrid | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 54.42% below guideline requirements of 75% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 48 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8 33 years | |
| 2135067 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Missing sufficient documentation to determine High Cost Fees and APR Limits | No | Missing all Closing Disclosures | XXXX Client provided missing Final CD XXXX. | Condition Satisfied. | Hybrid | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 54.42% below guideline requirements of 75% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 48 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8 33 years | |
| 2135067 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Federal Consumer Protection | Satisfied | C | A | C | A | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing all Closing Disclosures | XXXX Client provided missing Final CD XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 54.42% below guideline requirements of 75% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 48 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8 33 years | |
| 2135067 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | TRID - Closing Disclosure Missing | No | Missing all Closing Disclosures | XXXX Client provided missing Final CD XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 54.42% below guideline requirements of 75% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 48 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8 33 years | |
| 2135068 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Missing Mortgage | No | Missing Executed Mortgage. Additionally, missing page 1 of the MERS Rider and any additional riders attached to the Mortgage. | XXXX Client provided all 4 pages of the MERS Rider. Condition remains for the fully executed Mortgage and any other Riders that may apply XXXX Client provided missing, fully executed Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 70.13% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.65% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8.67 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 4.83 years | |
| 2135069 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | Right of Rescission | Satisfied | C | A | C | A | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is dated XXX with an expiration date of XXX Final CD dated XXXX reflects a disbursement date of XXX Disbursement date is before end of statutory rescission period | XXXX Client provided Finding CD XXXX, Final Alta/Settlement Statement and LOE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 53% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 19 years at current job | |
| 2135069 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $58.70 for ten percent tolerance fees.Recording fee increased from $398.00 to $521.00 on the CD dated XXXXA Title Endorsement Fee was added in the amount of $75.00 to the CD dated XXXX | XXXX Client provided Funding CD XXXX with Final Alta/Settlement Statement and LOE. Condition remains. Provide COC XXXX reflecting a valid reason for the increases or PCCD with cure, copy of cure check, LOE and evidence of delivery via tracking. XXXX Client provided PCCD XXXX with cure, copy of cure check, LOE and tracking # in collaborate comment. Condition remains for copy of shipping label for verification and the file.XXXX Client provided a copy of the label for shipping. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 53% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 19 years at current job | |
| 2135069 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | Loan documents do not meet guideline requirements | No | The file is missing the Consumer Supplemental Information Form. | XXXX Client provided the SCIF | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 53% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 19 years at current job | |
| 2135070 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD dated XXXX reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens disclosure of the first lien taxes, insurance and assessments is required. | XXXX Client provided PCCD XXXX with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 80.71% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 5.25 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 6.83 years | |
| 2135070 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD dated XXXX- Loan Disclosures- Escrow Account - Estimated property costs over 1 year reflect $0.00 | XXXX Client provided PCCD XXXX with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 80.71% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 5.25 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 6.83 years | |
| 2135070 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Information Form. | XXXX Client provided the consumer information form | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 80.71% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 5.25 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 6.83 years | |
| 2135071 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determination | 12/9 Client provided a QM determination | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 78.82% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 39 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.22% below guideline requirement of 45% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 8.17 years | |
| 2135071 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the 1st mtg REO mortgage statement | XXXX Client provided the mortgage statement | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 78.82% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 39 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.22% below guideline requirement of 45% CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 8.17 years | |
| 2135072 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated XXXX and XXXX reflect $0.00 for estimated taxes, insurance and assessments in the projected payments section. For junior liens, disclosure of the first lien taxes, insurance and assessments is required. | XXXX Client provided PCCD XXXX, matching Final Alta/Settlement Statement and a collaborate comment: this is a 2nd with escrow waiver and no escrows. Condition remains. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide PCCD with correction and LOE to Borrower for changes. XXXX Client provided PCCD 12/18 with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.81% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job #1 of 12.75 years and from job #2 14 years | |
| 2135072 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated XXXX and XXXX- Loan Disclosures- Escrow Account - You will not have an escrow account is indicated, but, estimated property cost over 1 year reflect $0.00 | XXXX Client provided PCCD XXXX, matching Final Alta/Settlement Statement and a collaborate comment: this is a 2nd with escrow waiver and no escrows. Condition remains. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide PCCD with correction and LOE to Borrower for changes. XXXX Client provided PCCD 12/18 with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.81% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job #1 of 12.75 years and from job #2 14 years | |
| 2135072 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | Loan documents do not meet guideline requirements | No | Provide the "Supplemental Consumer Information Form". | XXXX Client provided the SCIF form | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.81% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job #1 of 12.75 years and from job #2 14 years | |
| 2135073 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Satisfied | C | A | C | A | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on XXX with an expiration date of XXX. Per Final CD dated XXXX, Disbursement date is XXX. Disbursement date is before end of statutory rescission period | 12/XXXX25 Client provided PCCD with updated Disbursement date. Condition remains for Final Alta/Settlement Statement confirming Disbursement Date. XXXX Client provided Final Alta/Settlement Statement matching 12/18 CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 39.19% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 31.23% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11.7 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 13.33 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30.08 years | |
| 2135073 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD dated XXXX- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 12/XXXX25 Client provided PCCD 12/10 and LOE. Condition remains, Provide PCCD with escrow information complete for Non-escrow information on Projected payments page 1 and Loan disclosures page 4 with LOE to Borrower.XXXX Client provided PCCD 12/18 with corrections. Condition remains. Provide the LOE for this 12/18 correction.XXXX Client provided LOE for changes. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 39.19% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 31.23% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11.7 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 13.33 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30.08 years | |
| 2135073 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD dated XXXX reflects $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 12/XXXX25 Client provided PCCD 12/10 and LOE. Condition remains, Provide PCCD with escrow information complete for Non-escrow information on Projected payments page 1 and Loan disclosures page 4 with LOE to Borrower. XXXX Client provided PCCD 12/18 with corrections. Condition remains. Provide the LOE for this 12/18 correction.XXXX Client provided LOE for changes. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 39.19% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 31.23% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11.7 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 13.33 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30.08 years | |
| 2135073 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD dated XXXX Loan Disclosures- Escrow Account - Estimated property costs over 1 year reflects $0.00. | 12/XXXX25 Client provided PCCD 12/10 and LOE. Condition remains, Provide PCCD with escrow information complete for Non-escrow information on Projected payments page 1 and Loan disclosures page 4 with LOE to Borrower. XXXX Client provided PCCD 12/18 with corrections. Condition remains. Provide the LOE for this 12/18 correction.XXXX Client provided LOE for changes. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 39.19% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 31.23% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 11.7 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 13.33 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 30.08 years | |
| 2135074 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: The CD Projected Payments section and the CD Loan Disclosures section are not consistent in regards to whether or not an escrow account will be established | No | CD's dated XXXX and XXXX- Projected Payments reflects Property Taxes and Homeowners Insurance are included in escrow, but the Loan Disclosures field reflects "will not have an escrow account". Values do not match. | XXXX Client provided PCCD XXXX and an e-sign cert for delivery. Condition remains. Provide a corrective PCCD with Projected Payments, Estimated Taxes, Insurance & Assessments complete and an LOE to the Borrower detailing the changes. XXXX Client requested review. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide corrected PCCD with LOE to Borrower. XXXX Client provided PCCD 12/1 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 credit score exceeds the 680 minimum guideline requirement by 88 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 64% CLTV is 26% below the maximum guideline requirement of 90%. | |
| 2135074 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated XXXX and XXXX reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | XXXX Client provided PCCD XXXX and an e-sign cert for delivery. Condition remains. Provide a corrective PCCD with Projected Payments, Estimated Taxes, Insurance & Assessments complete and an LOE to the Borrower detailing the changes. XXXX Client requested review. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide corrected PCCD with LOE to Borrower. XXXX Client provided PCCD 12/1 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 credit score exceeds the 680 minimum guideline requirement by 88 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 64% CLTV is 26% below the maximum guideline requirement of 90%. | |
| 2135074 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated XXXX and XXXX- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflects $0. | XXXX Client provided PCCD XXXX and an e-sign cert for delivery. Condition remains. Provide a corrective PCCD with Loan Disclosure section with the Estimated Property Costs over 1 year complete and an LOE to the Borrower detailing the changes. XXXX Client requested review. It is proper to disclose the Taxes, Assessments and Insurance amounts in Projected Payments on a junior lien just as you would on the first lien; that amount should not be zero and In the Escrow table page 4, the amounts would be disclosed as non-escrowed costs on the junior lien. Provide corrected PCCD with LOE to Borrower. XXXX Client provided PCCD 12/1 with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 credit score exceeds the 680 minimum guideline requirement by 88 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 64% CLTV is 26% below the maximum guideline requirement of 90%. | |
| 2135074 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing year-to-date profit and loss statement for either borrower for XXX/XXX 1120-S corporation. | XXXX client provided signed P&L. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 credit score exceeds the 680 minimum guideline requirement by 88 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 64% CLTV is 26% below the maximum guideline requirement of 90%. | |
| 2135074 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | Balance Sheet missing for one or more Self Employed borrowers | No | Missing balance sheet for either borrower for XXX/XXX 1120-S Corporation. | 12/8 Client provided the Balance sheet | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 credit score exceeds the 680 minimum guideline requirement by 88 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 64% CLTV is 26% below the maximum guideline requirement of 90%. | |
| 2135075 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | Insurance Expiration date is prior than the transaction date | No | Per the evidence of insurance the policy period is XXXX - XXXX. The note date isXXXX. | XXXX Client provided evidence of insurance effective XXXX/25-XXXX | Satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 34% DTI is 9% below the maximum 45% DTI requriement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 29 month mortgage payment history exceeds the 12 month minimum guideline requirment by 17 months. | |
| 2135076 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the 1st mortgage REO statement | 12/XXXX25 client provided 1st lien statement | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 48.81% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 64 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 19.58 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 9.5 years | |
| 2135077 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on XXX with an expiration date of XXX. Final CD in file dated XXXX shows a disbursement date of XXX Disbursement date is before end of statutory rescission period | XXXX Client provided Funding CD with Final Alta/Settlement Statement matching dates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 18 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been self-employed for 7 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 57.91% max per guidelines is 90%. | |
| 2135078 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 28 months exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 38.82% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 25.75 years | |||||||||||||||
| 2135079 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 77.34% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 80 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.32% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 10.5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5.75 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 14 years | |||||||||||||||
| 2135080 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Compliance | Right of Rescission | Satisfied | B | B | B | B | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material Condition in those Circuits that have not decided on this issue. | XXXX Client provided re-opened ROR H9 forms for both signed on XXX. Condition remains for expiration on midnight of the XXX.XXXX New rescission period has expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 76.65% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.00% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 26.42 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 27 years | |
| 2135080 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | Insurance | Satisfied | D | A | D | A | Missing Hazard Insurance | No | Provide Hazard Insurance documentation | XXXX client provided HOI | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 76.65% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.00% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 26.42 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 27 years | |
| 2135080 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | Legal Documents | Satisfied | D | A | D | A | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the 1st mortgage REO statement | 12/9 Client provided the mtg statement | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 76.65% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.00% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 26.42 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 27 years | |
| 2135080 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Info Form for the co-borrower. | XXXX Client provided copy of Supplemental Consumer Info for Co-Borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 76.65% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.00% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 26.42 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 27 years | |
| 2135081 | XXXXXX | FL | 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 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD's dated XXXX and XXXX- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | XXXX Client provided PCCD with corrections. Condition remains for LOE to Borrower. XXXX Client provided LOE to Borrower for changes. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 63.14% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 4.58 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8.9 years | |
| 2135081 | XXXXXX | FL | 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 | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated XXXX and XXXX reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | XXXX Client provided PCCD with corrections. Condition remains for LOE to Borrower. XXXX Client provided LOE to Borrower for changes. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 63.14% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 4.58 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8.9 years | |
| 2135081 | XXXXXX | FL | 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 | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated XXXX and XXXX- Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflects $0. | XXXX Client provided PCCD with corrections. Condition remains for LOE to Borrower. XXXX Client provided LOE to Borrower for changes. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 63.14% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 4.58 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8.9 years | |
| 2135082 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD's dated XXXX and XXXX- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected. Provide corrected PCCD with LOE to Borrower. | XXXX Client provided PCCD XXXX with correction and LOE to Borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.57% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 45.23% below guideline requirement of 50% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 7.17 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 4.83 years | |
| 2135082 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Legal Documents | Satisfied | D | A | D | A | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter closing the HELOC to future draws. | XXXX Client provided copy of payoff however still missing evidence from Borrowers requesting closure of HELOC XXXX Client provided evidence HELOC have been paid in full and closed out | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.57% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 45.23% below guideline requirement of 50% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 7.17 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 4.83 years | |
| 2135083 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 709 exceeds the 660 minimum guideline requirement by 49 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 68% CLTV is 12% below the maximum guideline requirement of 80%. | |||||||||||||||
| 2135084 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 credit score exceeds the 700 minimum guideline requirement by 75 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 35 month mortgage payment history exceeds the 12 month minimum guideline by 23 months. | |||||||||||||||
| 2135085 | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD's dated XXXX and XXXX- Loan Disclosures - Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | XXXX Client provided PCCD XXXX with correction and LOE/COC reflecting change. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 70.64% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.61% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 7.83 years | |
| 2135085 | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender's ATR/QM determination. | 12/9 Client provided a MAVENT with a determination of Safe Harbor APOR | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 70.64% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.61% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 7.83 years | |
| 2135086 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 72.26% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 34.71% below guideline requirement of 45% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 15 years | |||||||||||||||
| 2135087 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 79.33% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 66 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 30.67 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 31.08 years | |||||||||||||||
| 2135088 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 58.10% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 21.5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 27.5 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 18 years | |||||||||||||||
| 2135089 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment historyof 40 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.60% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 13.17 years | |||||||||||||||
| 2135090 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 56.29% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 47 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 28.05% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 19.83 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 25.17 years | |||||||||||||||
| 2135091 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 70.94% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 18.08 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 19.67 years | |||||||||||||||
| 2135092 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD's dated XXXX and XXXX- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | XXXX Client provided PCCD XXXX with correction. Condition remains for LOE to Borrower stating changes made. XXXX Client provided LOE to Borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 38.21% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 5.08 years | |
| 2135092 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null | No | CD's dated XXXX and XXXX reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payments section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | XXXX Client provided PCCD XXXX however no change was made to Projected Payments section the Estimated Taxes, Insurance and Assessments. Condition remains for PCCD with correction and LOE to Borrower. XXXX Client provided LOE to Borrower. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 38.21% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 5.08 years | |
| 2135092 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null | No | CD's dated XXXX and XXXX - Loan Disclosures- Escrow Account- Estimated Property Costs Over Year 1 reflects $0. | XXXX Client provided PCCD XXXX however no change was made to Loan Disclosures Estimated costs over 1 year. Condition remains for PCCD with correction and LOE to Borrower. XXXX Client provided LOE to Borrower. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 38.21% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 5.08 years | |
| 2135093 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 13 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |||||||||||||||
| 2135094 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Missing Mortgage | No | Missing Executed Mortgage | XXXX Client provided Collaborate Comment: This is invalid. This was already provided in the loan file. Condition remains. Mortgage is missing from file. Provide the fully executed Mortgage complete with any Riders if applicable. XXXX Client provided a copy fully executed Mortgage. Disclosure was tested with no issues. Condition is satisfied | XXXX Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 67% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 29.72% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 5.67 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 9.5 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 26 years | |
| 2135094 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Right of Rescission | Satisfied | B | A | B | A | Cannot determine if funding date is after rescission period | No | Missing Right of Rescission form | XXXX Client provided Collaborate Comment: This is invalid. The Notice of Right to Cancel was already provided in the loan file. Condition remains. Provide fully executed at consummation, Right to cancel for both. Additional conditions may apply. XXXX Client provided fully executed ROR form by both title holders. Disclosure was tested with no issues. Condition is satisfied | XXXX Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 67% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 29.72% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 5.67 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 9.5 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 26 years | |
| 2135094 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Right of Rescission | Satisfied | D | A | D | A | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission form | XXXX Client provided Collaborate Comment: This is invalid. The Notice of Right to Cancel was already provided in the loan file. Condition remains. Provide fully executed at consummation, Right to cancel for both. Additional conditions may apply. XXXX Client provided fully executed ROR form by both title holders. Disclosure was tested with no issues. Condition is satisfied | XXXX Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 67% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 29.72% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 5.67 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 9.5 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 26 years | |
| 2135095 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 53% CLTV is 22% below the maximum guideline requirement of 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for 28 years. | |||||||||||||||
| 2135096 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $17.80 for ten percent tolerance fees.Recording fees increased from $272 to $330 on the CD dated XXXX, resulting in a 10% tolerance of $30.80. There was a $18 tolerance credit on the file CD, however, $5 was applied to the increase of the Appraisal Fee. The difference of the credit in the amount of $13 was applied to the tolerance of $30.80, leaving a remaining tolerance of $17.80. | XXXX Client provided PCCD XXXX with reduced Recording fees. Condition remains. Provide the matching Final Alta/Settlement Statement confirming the lower fee. XXXX Client provided Final Alta/Settlement Statement confirming the lower fee. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 85 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.74% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 22.75 years and from job #2 6.75 years | |
| 2135097 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 41.29% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 73 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 18.37% below guideline requirement of 45% | |||||||||||||||
| 2135098 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the most recent mortgage statement for the 1st mortgage. | XXXX Client provided copy of 1st mortgage statement | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 77 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 6 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 6.83 years | |
| 2135099 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 65.05% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 40.20% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 15.25 years | |||||||||||||||
| 2135100 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 83.12% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 82 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 32.47% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 17.5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 23.5 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 22.5 years | |||||||||||||||
| 2135101 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 27 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 46 month mortgage payment history exceeds the 12 month minimum guideline requirement by 34 months. | |||||||||||||||
| 2135102 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | Missing Title | No | Provide copy of Title | 12/29 Client provided the Title | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 71 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 29.26% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 6 years | |
| 2135103 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 74.68% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 35.27% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 17.08 years | |||||||||||||||
| 2135104 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | Missing Appraisal | No | The file is missing an AVM by an approved vendor | XXXX Client provided the AVM supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 22 years at current residence | |
| 2135105 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 70.36% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 31.95% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 6.33 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8.17 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 5.17 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 20 years and 25 years respectivly | |||||||||||||||
| 2135106 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 55.93% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.61% below guideline requirement of 45% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 5.67 years | |||||||||||||||
| 2135107 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 66.10% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 44 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 33.05% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 4.83 years | |||||||||||||||
| 2135108 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 31% CLTV is 59% below the maximum guideline requirement of 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 credit score exceeds the 660 minimum guideline requirement by 124 points. | |||||||||||||||
| 2135109 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 61.86% below guideline requirements of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 54 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 30.17% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9.5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 12.33 years | |||||||||||||||
| 2135110 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the current 1st mortgage REO statement | XXXX Client provided copy of 1st mortgage statement supporting PITI payment of $2,059.94 | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 47 months exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 42.96% below guideline requirement of 50% | |
| 2135111 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the most recent REO mortgage statement for the subject. | XXXX Client provided the mortgage statement | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 73.88% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 47 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 36.21% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8.92 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 8.92 years | |
| 2135112 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliated Business Disclosure | XXXX Per client - XXX Bank does not have Affiliated Business. Condition satisfied | XXXX Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 76 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 45.36% below guideline requirement of 50% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 17.83 years | |
| 2135112 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $10.50 for ten percent tolerance fees.Recording fees increased from $45 to $60 on the Initial CD dated XXXX. | XXXX Client provided ATR Worksheet and uploaded two blank pages as COC. Please re-upload a valid COC. Condition remains.XXXX Client provided COC 12/10 reflecting Borrower selected title costs are being disclosed on the Initial CD including updated recording fees. Condition remains. Provide what changes were made that resulted in the recording fee increase for further review. Additional Conditions may apply, or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. XXXX Client provided LOE reflecting Borrower chose to use their Title Co and fees should be tested 10%. Retesting results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 76 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 45.36% below guideline requirement of 50% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 17.83 years | |
| 2135112 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determination | XXXX client provided ATR determination. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 76 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 45.36% below guideline requirement of 50% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 17.83 years | |
| 2135113 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 19.60% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 94 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 20.64% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 34.83 years | |||||||||||||||
| 2135114 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower minimum 3 days prior to closing due to missing Initial CD. | XXXX Client provided missing Initial CD XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.50% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 34.05% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 22 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 4.83 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 25 years | |
| 2135114 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - CD: Loan consummated before end of waiting period | No | Missing Initial CD. Need proof initial CD was received by borrower 3 days before consummation date of XXX | XXXX Client provided missing Initial CD XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.50% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 34.05% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 22 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 4.83 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 25 years | |
| 2135114 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | CD dated XXXX Loan Disclosures section; Partial Payments a selection was not indicated with the three choices listed under partial payments. | XXXX Client provided PCCD 12/3-2 with correction e-signed on XXXX. Condition remains for LOE to Borrower for changes.XXXX Upon further review, LOE was uploaded together with corrected PCD on XXXX/25. Condition satisfied | XXXX Condition satisfied | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.50% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 34.05% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 22 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 4.83 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 25 years | |
| 2135114 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Legal Documents | Satisfied | D | A | D | A | Missing copy of 1st Mortgage Statement (subject is 2nd lien) | No | Provide the 1st mortgage REO statement | XXXX Client provided copy of 1st mortgage lien supporting payment of $1,222.42 escrowed | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.50% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 34.05% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 22 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 4.83 years CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 25 years | |
| 2135115 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 60.99% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 45.86% below guideline requirement of 50% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 22 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 6 years | |||||||||||||||
| 2135116 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | Balance Sheet missing for one or more Self Employed borrowers | No | Provide the signed balance sheet for the business. | XXXX Client provided the signed balance sheet through XXXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 79.99% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 45 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.63% below guideline requirement of 45% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 10 years | |
| 2135173 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 68.58% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 41.64% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 12.75 years | |||||||||||||||
| 2135174 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 24% DTI is 21% below the maximum guideline requirement of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 credit score exceeds the 700 minimum guideline requirement by 24 points. | |||||||||||||||
| 2135175 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 45 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 31.62% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 12.92 years | |||||||||||||||
| 2135176 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 51.04% below guideline requirements of 90% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.04% below guideline requirement of 45% CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession of 10 years | |||||||||||||||
| 2135177 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | CD's dated XXXX and XXXX- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | XXXX Client provided PCCD XXXX with correction. Condition remains. Provide LOE to Borrower for change. XXXX Client provided the missing LOE to Borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 64.34% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 76 months exceeds guidelines of 12 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 10.67 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 5.83 years BFS and 13.83 years for W2 job. | |
| 2135177 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Income/Employment | Satisfied | C | A | C | A | Income docs do not meet guidelines | No | Missing P&L signed by borrower. P&L in file is not signed. | XXXX Client provided the signed P&L | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 64.34% below guideline requirements of 85% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 76 months exceeds guidelines of 12 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 10.67 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 5.83 years BFS and 13.83 years for W2 job. | |
| 2135178 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determination | Client provided a Determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 72.72% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.98% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8.67 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 10.33 years | |
| 2135178 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | Loan documents do not meet guideline requirements | No | Provide the Supplemental Consumer Information Form for both borrowers | 1/5 Client provided the executed forms | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 72.72% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 39.98% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 8.67 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 10.33 years | |
| 2037297 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 742 > is above guideline minimum credit score 720. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 5 years. | |||||||||||||||
| 2135179 | XXXXXX | IA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $509.98. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 709 > is above guideline minimum credit score 700. | |||||||||||||||
| 2135180 | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Missing Final CD executed by the borrower on origination date of XXX. | XXXX Client provided missing Final CD XXX. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) | |
| 2135181 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 742 > is above guideline minimum credit score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 33.80% is 46.20 points below the program guideline maximum 80%. | |||||||||||||||
| 2135182 | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CLTV Exceeds Guideline Requirement by less than 5% | No | LTV/CLTV exceeds max 80% threshold for qualifying scores greater than 720 but less than 760 | XXXX Client provided exception approval for LTV 82.44% exceeding guidelines maximum of 80% with fico score of 730 | Exception approved, B Grade | (No Data) | Not Applicable | (No Data) | |
| 2135183 | XXXXXX | AK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure History reflecting Initial CD was also sent via XXX to both on 12/10. Mail rule applies making the earliest closing date XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 710 > is above guideline minimum credit score 700. | |
| 2135185 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 69% | |||||||||||||||
| 2135186 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135187 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17yrs time at current job | |||||||||||||||
| 2135188 | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 70.49% is 9.51 points below the program guideline maximum 80%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 20 years. | |||||||||||||||
| 2135189 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing Trust Documents | No | Missing trust documents. | XXXX Client provided executed copy of Certification of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 51.02% is 38.98 points below the program guideline maximum 90%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x20 exceeds mortgage history guidelines. | |
| 2135190 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 773 > is above guideline minimum credit score 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 65% is 20 points below the program guideline maximum 85%. | |||||||||||||||
| 2135191 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 20yrs time in profession | |||||||||||||||
| 2135192 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 8 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 16 years and 9 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.81% LTV below guideline requirements of 85.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 799 is 99 points above program guideline minimum of 700. | |||||||||||||||
| 2135193 | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x29 exceeds mortgage history guidelines. | |||||||||||||||
| 2135194 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 40yrs time at current residence | |||||||||||||||
| 2135195 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Notary Status is missing | No | Although Notary signed as a witness, Notary Stamp missing on Mortgage dated XXX. | XXXX Client provided fully executed, recorded mortgage including Notary. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 17yrs at same position | |
| 2135196 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided a snip of delivery method for XXX. Initial CD was emailed and mailed via XXX, disclosure was tested for mailing rule, disclosure was received timely, condition satisfied | XXXX Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 12 years and 9 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.46% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 741 is 81 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 18.10% DTI is below guideline requirement of 45.00%. | |
| 2135197 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 677 > is above guideline minimum credit score 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 69.55% is 5.45 points below the program guideline maximum 75%. | |||||||||||||||
| 2135198 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 775 > is above guideline minimum credit score 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 38.97% is 51.03 points below the program guideline maximum 90%. | |||||||||||||||
| 2135199 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.51 is less that the max of 75. CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 8/25/1988. | |||||||||||||||
| 2135200 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure History reflecting Initial CD was also sent via XXX XXXX. Mail rule applies making the earliest closing date XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 65.35% is 19.65 points below the program guideline maximum 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 35.95% is 9.05 points below the program guideline maximum 45%. | |
| 2135201 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70.08 is less that the max of 90. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.53 is less than the max of 45. | |||||||||||||||
| 2135202 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135203 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22yrs time at current job | |||||||||||||||
| 2135204 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 16yrs time at current residence | |||||||||||||||
| 2135205 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.69 DTI below guideline of 45. | |||||||||||||||
| 2135206 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 15% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 22% | |||||||||||||||
| 2135207 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence of property taxes monthly payment of $200.86 | XXXX Client provided evidence of monthly taxes of $200.86 | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 66.79% max per guidelines is 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 22 years. | |
| 2037323 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | ROR - Disbursement date is before end of statutory rescission period | No | ROR was delivered XXX and disbursement date on ROR is XXX and on final CD is XXX. | XXXX Client provided PCCD XXXX with corrected Disbursement date. Condition remains for the Final Settlement Statement to complete Final testing. Additional Conditions mat apply.XXXX Client provided the Final Settlement Statement reflecting the same Disbursement date. Title fees are different, but to the Borrowers advantage with cash out total. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 22 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x26 exceeds mortgage history guidelines. | |
| 2037323 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - Loan Estimate not timely | No | Application date is XXXX and initial LE is XXXX. | XXXX Client provided missing Initial LE XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 22 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x26 exceeds mortgage history guidelines. | |
| 2135208 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for 32 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has> 28 years at current job | |||||||||||||||
| 2135209 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 33% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135210 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | 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 | The loan file is missing income documents to complete the ATR/QM review and render an accurate ATR/QM status. | XXXX Client provided the paystub | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 10 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 28.42% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 792 is 132 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.54% DTI is below guideline requirement of 45.00%. | |
| 2135210 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | Income Amount is Unsupported by Documentation in File | No | Missing B1's YTD paystub or WVOE with income in file to verify current income. Please provide missing document. | XXXX Client provided the paystub | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 10 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 28.42% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 792 is 132 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.54% DTI is below guideline requirement of 45.00%. | |
| 2135211 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | XXXX Client provided missing Homeowners Counseling Organization List dated 11/22. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 58% CLTV is 32% below the maximum guideline requirement of 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 credit score exceeds the 700 minimum guideline requirement by points. | |
| 2135212 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 718 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.88%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 69.13%; guidelines allow 80% | |||||||||||||||
| 2135213 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 34.25% is 50.75 points below the program guideline maximum 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x54 exceeds mortgage history guidelines. | |||||||||||||||
| 2135214 | XXXXXX | MT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 34 yrs time at current Job | |||||||||||||||
| 2135215 | XXXXXX | SD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 FICO exceeds guideline of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.91 DTI below guideline of 45. | |||||||||||||||
| 2135216 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 56% CLTV is 34% below the maximum guideline requirement of 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 20% DTI is 25% below the maximum guideline requirement of 45%. | |||||||||||||||
| 2135217 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 17 years and 11 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years | |||||||||||||||
| 2135218 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.72 is less than the max of 75. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0X30 since origination in 2/7/2022. | |||||||||||||||
| 2135219 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 62% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 7 years on current job | |||||||||||||||
| 2135220 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 794 > is above guideline minimum credit score 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 85.64% is 4.36 points below the program guideline maximum 90%. | |||||||||||||||
| 2135221 | XXXXXX | UT | 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 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof XXX HELOC acct ending XXX was paid off and closed. Missing evidence that amount reflected on CD is sufficient to payoff the balance, as payoff was not present in file either. | XXXX Client provided executed by Borrower requesting closure of HELOC upon receipt of payment, balance paid off was $XXX and credit report balance was $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 13 years and 6 months at current employer CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years at current residence. | |
| 2135222 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 58.48% below guideline requirements 85.00% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.77%. below guideline requirement 45.00%. | |||||||||||||||
| 2135223 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 797 FICO exceeds guideline of 760. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.75 DTI below guideline of 45. | |||||||||||||||
| 2135224 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.89 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 36.33 is less that the max of 80. | |||||||||||||||
| 2135225 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 $100 (Title -Title Examination Fee) fee increased from LE $0 to CD $100. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | XXXX Client provided COC 12/4 reflecting Judgements identified on Title's property report summary requiring title curative to be ordered resulting in Title examination fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 16yrs time at current residence | |
| 2135226 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 709 is above the minimum of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 64.40%; guidelines allow 80% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.25%; guidelines allow 45% | |||||||||||||||
| 2135227 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Per CompEase document initial LE dated XXXX and COC XXXX LE dated XXXX is missing, please provide along with any coc's and tracking information if applicable. | XXXX Client provided missing Initial LD XXXX as well as a Collaborate Comment: Please see attached XXXX. No LE was issued on XXXX, final LE issued on XXXX. ICD was issued on XXXX, supported by Compliance Ease in file does not reflect 12/9 LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 691 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.90 DTI below guideline of 45. | |
| 2135227 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $497.13 monthly taxes for the subject property used for qualifying. VOM shows current taxes of $264.65 monthly. | XXXX Client provided evidence of monthly taxes of $497.13 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 691 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.90 DTI below guideline of 45. | |
| 2135228 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 14 years and 10 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 20 years and 4 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 60.16% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 728 is 68 points above program guideline minimum of 660. | |||||||||||||||
| 2135229 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Credit | Title | Satisfied | A | A | A | A | Title Does Not Agree With Mortgage | No | Title vesting reads XXX AND XXX, XXXX AS JOINT TENANTS but Deed of Trust reads XXX, SURVIVING JOINT TENANT. | XXXX Client provided copy of Death Certificate for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 675 FICO exceeds guideline of 660. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x59 mortgage payment history exceeds guideline of 0x30x12. | |
| 2135230 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 27 years 2 months at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 28 years, 6 months at current job. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 28 years 6 months at current job. | |||||||||||||||
| 2135231 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 697 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.93 DTI below guideline of 45. | |||||||||||||||
| 2135232 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower have no late payments on the mortgage history | |||||||||||||||
| 2135233 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.41 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 48.69 is less that the max of 85. | |||||||||||||||
| 2135234 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.05 is less that the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 14+ years. | |||||||||||||||
| 2135235 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | XXXX client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence | |
| 2135235 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | XXXX client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence | |
| 2135236 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 30% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 70% | |||||||||||||||
| 2134877 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 738 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.85%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.12%; guidelines allow 80% | |||||||||||||||
| 2134878 | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 768 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.56%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 32.58%; guidelines allow 90% | |||||||||||||||
| 2134879 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation Non Borrower (XXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated XXX was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/020/2026 Client provided Disclosure history reflecting CD sent via XXX on XXX. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is XXX. Closing date was XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 qualifying score; 720 required. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 54 months reported 0x30; 12 months required. | |
| 2134880 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.63 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 64.60 is less that the max of 85. | |||||||||||||||
| 2134881 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.60 DTI below guideline of 45. | |||||||||||||||
| 2134882 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 22yrs time at current residence | |||||||||||||||
| 2134883 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 FICO exceeds guideline of 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x41 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| 2134884 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 25 years at current SE job CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years at current residence | |||||||||||||||
| 2134886 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 11 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 20 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.12X% LTV below guideline requirements of 75.00% per program. | |||||||||||||||
| 2134887 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score 796 exceeds guidelines. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0X35 mortgage payment history exceeds guidelines of 24 months. | |||||||||||||||
| 2037318 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 13 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 9 years. | |||||||||||||||
| 2134888 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 26.38% is 18.62 points below the program guideline maximum 45%. | |||||||||||||||
| 2134889 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 717 > is above guideline minimum credit score 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 56.98% is 23.02 points below the program guideline maximum 80%. | |||||||||||||||
| 2134890 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 $125 Title - Document Preparation Fee increased from LE $0 to CD $125. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | XXXX Client provided COC 10/21 reflecting Document Preparation fee added due to Borrower request for deed to correct name. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 8 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 last 21 months payment paid on time. | |
| 2134891 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 58% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 36% | |||||||||||||||
| 2134892 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 8 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 40.69% LTV below guideline requirements of 75.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2134893 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | Insurance Expiration date is prior than the transaction date | No | File contains hazard coverage declaration page which indicated a XXXXeffective date. File CD disclosed a disbursement date XXX | XXXX Client provided HOI policy effective XXXX - 2026 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 29% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 54% | |
| 2134894 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 20yrs time in profession | |||||||||||||||
| 2134895 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 qualifying score; 680 required. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.08% DTI; 50% max allowed. | |||||||||||||||
| 2134896 | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | Note in file is incomplete | No | Provide copy of executed Note including addendums. | XXXX Client provided executed copy of subject Note (including all pages) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 672 > is above guideline minimum credit score 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years. | |
| 2134896 | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 $55 (Appraisal - 1 Family) fee increased from LE $0 to CD $55. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | XXXX Client provided PCCD XXXX with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 672 > is above guideline minimum credit score 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years. | |
| 2134896 | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Legal Documents | Satisfied | D | A | D | A | Note Not Executed | No | Missing last page of Note. | XXXX Client provided executed copy of subject Note (including all pages) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 672 > is above guideline minimum credit score 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years. | |
| 2134896 | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Legal Documents | Satisfied | D | A | D | A | Copy of Note in file is incomplete | No | Missing Last page of Note. | XXXX Client provided executed copy of subject Note (including all pages) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 672 > is above guideline minimum credit score 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years. | |
| 2134897 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 14 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.61% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 798 is 138 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.43% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2134898 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 58.53% is 21.47 points below the program guideline maximum 80%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 7 years. | |||||||||||||||
| 2134899 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 23% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 62% | |||||||||||||||
| 2134900 | XXXXXX | ND | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs time at current residence | |||||||||||||||
| 2134901 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.52% LTV below guideline requirements of 85.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 30+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 747 is 87 points above program guideline minimum of 660. | |||||||||||||||
| 2134902 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.13 is less that the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned current residence almost 10 years. | |||||||||||||||
| 2037428 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Title Examination fee $100 added to initial CD XXXX section B. No COC provided listing fee amount or any details as to why fee was added. No cure provided on borrower final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery. | XXXX Client provided the missing XXXX COC reflecting the addition of the Title Examination Fee due to Borrower providing approval to clear the UCC issue. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have > 20 years at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 75.51% below guideline requirements 85.00%. | |
| 2134903 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 15 years and 4 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.57% LTV below guideline requirements of 75.00% per program. | |||||||||||||||
| 2134904 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.78 DTI below guideline of 45. | |||||||||||||||
| 2037309 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 20 years at current residence. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history. | |||||||||||||||
| 2134905 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 7yrs time at current residence | |||||||||||||||
| 2134906 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 679 is above the minimum of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.70%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.17%; guidelines allow 75% | |||||||||||||||
| 2134907 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 12 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 61.39% max per guidelines is 90%. | |||||||||||||||
| 2134908 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Initial application was taken XXXX, the Housing Counselors List was not issued until XXXX. Greater than the required 3 days. | XXXX Client provided missing Homeowners Counseling Organization List dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 54% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |
| 2134908 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - Loan Estimate not timely | No | Initial application was taken XXXX, the Initial LE was not issued until XXXX. Greater than the required 3 days. | XXXX Client provided missing Initial LE XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 54% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |
| 2134909 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession | |||||||||||||||
| 2134910 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 10 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 12 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 65.83% max per guidelines is 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower FICO score is 790 max per guidelines is 760. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 12.62% max per guidelines is 45%. | |||||||||||||||
| 2134911 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD sent via XXX on XXXX. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is XXXX. Condition remains. If unable to provide, Condition may be satisfied 2B using the Final CD, ROR and Mortgage documents signed by the Non-Borrower at the time of closing.XXXX Client requested clarification. The Initial CD was sent via XXX on 12/9. Starting 3 days for delivery and then a 3 day waiting period making the earliest closing date to be XXXX. The closing took place on XXXX which is prior to the XXXX earliest possible closing date. Condition remains. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD, ROR and Mortgage at closing.XXXX Client provided a XXX reflecting CD sent and received by Non-Borrower on 12/9. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 12years time at current job | |
| 2134912 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD sent via XXX on XXXX. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is XXX. Closing date was XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 21 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.46% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 752 is 92 points above program guideline minimum of 660. | |
| 2134913 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | |||||||||||||||
| 2134914 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 47.94% is 42.06 points below the program guideline maximum 90%. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower 1 has additional commission income that is not being used to qualify. | |||||||||||||||
| 2134915 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.21 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.91 is less that the max of 90. | |||||||||||||||
| 2134916 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | Compliance Manual | Satisfied | A | A | A | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure History reflecting Initial CD was also sent via XXX XXXX. Mail rule applies making the earliest closing date XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 794 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 67.38%; guidelines allow 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.69%; guidelines allow 45% | |
| 2134917 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 17 years at current job CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 41% | |||||||||||||||
| 2134918 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 18 years and 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.83% LTV below guideline requirements of 85.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.38% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2134919 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 760 is above the minimum of 740 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 68.92%; guidelines allow 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.30%; guidelines allow 45% | |||||||||||||||
| 2134920 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2134921 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | Missing Title | No | Missing Title or Property Report Summary. | XXXX Client provided Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 717 > is above guideline minimum credit score 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x74 exceeds mortgage history guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 28.97% is 16.03 points below the program guideline maximum 45%. | |
| 2134922 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 11 years and 3 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.12% LTV below guideline requirements of 75.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.48% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2134923 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $4,148.75 max allowed is $4,045.00; $103.75 too high). | XXXX Client provided Fee Split doc and with re-testing file is QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 68.17% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 772 is 72 points above program guideline minimum of 700. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |
| 2134924 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 6 months CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 7 years and and 3 months | |||||||||||||||
| 2134925 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | XXXX Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 10/21. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.90 is less that the max of 85. | |
| 2134926 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 7yrs time in profession | |||||||||||||||
| 2134927 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated XXXX not provided w/in 3 days of application | XXXX Client provided missing Homeowners Counseling Organization List dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession; 5 years | |
| 2134927 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - Loan Estimate not timely | No | the App Date is XXXX however the first LE in file was issued XXXX | XXXX Client provided missing Initial LE XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession; 5 years | |
| 2134928 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 773 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.29%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 72.35%; guidelines allow 90% | |||||||||||||||
| 2134929 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 22 years at current residence CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 20 years at current job | |||||||||||||||
| 2134930 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | |||||||||||||||
| 2134931 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 22% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower have no late payments on the mortgage history | |||||||||||||||
| 2134932 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 30 years and 2 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 17.75% LTV below guideline requirements of 90.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 767 is 107 points above program guideline minimum of 660. | |||||||||||||||
| 2134933 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Finance Charge Tolerance | Satisfied | B | B | B | B | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Final CD XXXX, Section: Loan Calculations; Amount Financed has a value of $XXX. The executed Note has a Loan Amount of $XXX. Difference is $69.76 which exceeds the $35.00 tolerance. | XXXX Client provided the following response: Finding invalid. Amount Financed is calculated correctly, as the borrower received negative per diem interest that was larger than the amount of Pre-Paid Finance Charges. This is allowed under Reg Z, as the Amount Finance is calculated correctly (Points 45 + Recording Service 8.50 + Per-Paid Interest -123.26 = -69.76. Loan Amount XXX- (-69.76) = XXX). Upon review by internal Compliance counsel, the condition remains. The Amount Financed cannot exceed the Loan Amount. Cure via detailed LOE to borrower, corrected PCCD, proof of delivery and reopen rescission with extended Expiration at least 3 days after the confirmed delivery date.XXXX Client provided the following response: Please provide the exact regulation or section you are referencing as the basis for your finding. Per review by internal Compliance counsel, (1) Determining the principal loan amount or the cash price (subtracting any down payment); (2) Adding any other amounts that are financed by the creditor and are not part of the finance charge; and (3) Subtracting any prepaid finance charge. Since you only add what is not in the finance charge, and negative per diem impacts the finance charge, it does not get added. Refer to Reg Z Paragraph 18(b)(3). Cure via detailed LOE to borrower, corrected PCCD, proof of delivery and reopen rescission with extended Expiration at least 3 days after the confirmed delivery date.XXXX Client provided PCCD XXXX with change to Amount Financed. Condition remains. Provide cure to Borrower via a detailed LOE, reopened Rescission for all title Holders dated allowing for delivery and evidence of delivery via tracking information. All for final testing. Additional conditions may apply. XXXX Client provided reopened ROR forms with LOE and Shipping label delivered on 12/11. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 736 is above the minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.28%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 34.67%; guidelines allow 80%. | |
| 2134933 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing TX T.42 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 736 is above the minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.28%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 34.67%; guidelines allow 80%. | |
| 2134933 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing TX T.42.1 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 736 is above the minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.28%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 34.67%; guidelines allow 80%. | |
| 2134934 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information. | XXXX Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 11/15. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x55 exceeds mortgage history guidelines. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 61.66% is 28.34 points below the program guideline maximum 90%. | |
| 2134935 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15yrs time at current job | |||||||||||||||
| 2134936 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.28 DTI below guideline of 45. | |||||||||||||||
| 2134937 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 6 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 73.83% max per guidelines is 80%. | |||||||||||||||
| 2134938 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 16 years and 5 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 58.51% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 762 is 62 points above program guideline minimum of 700. | |||||||||||||||
| 2134939 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 25 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.44% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 763 is 63 points above program guideline minimum of 700. | |||||||||||||||
| 2134940 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14 yrs time at current job | |||||||||||||||
| 2134941 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 38 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 43% max per guidelines is 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.93% max per guidelines is 45%. | |||||||||||||||
| 2134942 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 13yrs time at current residence | |||||||||||||||
| 2134943 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.03% DTI below guideline of 45%. | |||||||||||||||
| 2134944 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI 32% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 50% | |||||||||||||||
| 2134945 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 22 years and 11 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 13 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 50.05% LTV below guideline requirements of 75.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.08% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2134946 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 17 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 19 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 36.83% max per guidelines is 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.12% max per guidelines is 45%. | |||||||||||||||
| 2134947 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at employer for over 12 years CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: borrower does not have any major mortgage related occurrences during the past two years. 0x30 CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for over 31 years | |||||||||||||||
| 2134948 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 65.00% LTV below guideline requirements of 85.00% per program. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 754 is 94 points above program guideline minimum of 660. | |||||||||||||||
| 2135309 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.71% below guideline requirement 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.17% below guideline requirements 70.00%. | |||||||||||||||
| 2135310 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 25% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 14 years at current job | |||||||||||||||
| 2135311 | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 30 years in current profession CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2037257 | XXXXXX | TX | 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 | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Per COC dated XXXX/25 and XXXX tracking in file, a revised LE was issued but is missing in file. | XXXX Client provided Duplicate XXXX LE. Condition remains. Provide missing XXXX LE that reflects the changes on COC XXXX. XXXX Client provided a duplicate of LE XXXX. Condition remains for LE XXXX with Discount Points of $1,744.64 as shown on the lock COC from XXXX.XXXX CLient provided a Collaborate Comment: LE was the only LE issued after the XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in current profession CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 13 years at current residence | |
| 2037257 | XXXXXX | TX | 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 | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Texas Equity : Missing T.42 Title Endorsement | XXXX Client provided an approved exception for missing endorsement | XXXX Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in current profession CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 13 years at current residence | |
| 2037257 | XXXXXX | TX | 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 | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Texas Equity : Missing T.42.1 Title Endorsement | XXXX Client provided an approved exception for missing endorsement | 0XXXX Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years in current profession CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 13 years at current residence | |
| 2135312 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.25 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 74.79 is less that the max of 80. | |||||||||||||||
| 2135313 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 690 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.89%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 62.78%; guidelines allow 75% | |||||||||||||||
| 2135315 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 60.64% below guideline requirements 80.00%. | |||||||||||||||
| 2135316 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 24 years time at current residence | |||||||||||||||
| 2135317 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135318 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 688 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 21.65%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 69.99%; guidelines allow 75% | |||||||||||||||
| 2135319 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 722 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.65 DTI below guideline of 45. | |||||||||||||||
| 2135320 | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Current job since 06/01/2015. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: CBR score of 695 exceeds the 661 required. | |||||||||||||||
| 2135321 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 10 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.59% LTV below guideline requirements of 75.00% per program. | |||||||||||||||
| 2135322 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 40% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135323 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 718 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.48%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 46.76%; guidelines allow 80% | |||||||||||||||
| 2135324 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 27.81% max per guidelines is 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.75% max per guidelines is 45%. | |||||||||||||||
| 2135325 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation supporting $223.14 monthly taxes for the subject property. Taxes are not escrowed. | XXXX Client provided copy of tax bill for subject supporting $223.08 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 FICO exceeds guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x55 mortgage payment history exceeds guideline of 0x30x12. | |
| 2135325 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | Title Does Not Agree With Mortgage | No | Title vesting reads XXX AND XXX, AS COMMUNITY PROPERTY WITH RIGHT OF SURVIVORSHIP AND NOT AS JOINT TENANTS WITH RIGHT OF SURVIVORSHIP AND NOT AS TENANTS IN COMMON but Deed of Trust reads XXX, SURVIVING SPOUSE. | XXXX Client provided copy of Certification of Death for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 801 FICO exceeds guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x55 mortgage payment history exceeds guideline of 0x30x12. | |
| 2135326 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 12 years time at current residence. | |||||||||||||||
| 2135327 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 18yrs time at current residence | |||||||||||||||
| 2135328 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 63% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |||||||||||||||
| 2135329 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 678 is above the minimum of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.01%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.42%; guidelines allow 75% | |||||||||||||||
| 2135330 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 823 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.72 DTI below guideline of 45. | |||||||||||||||
| 2135331 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation for debt with XXX $199.00 monthly payment and $23,193.00 balance disclosed on the application. This debt is not on the credit report. | XXXX Client provided UDM verifying monthly payment of $199 and balance $23,193 for new debt w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 FICO exceeds guideline of 660. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x58 mortgage payment history exceeds guideline of 0x30x12. | |
| 2135332 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 24yrs time at current job | |||||||||||||||
| 2135333 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 21 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.77% max per guidelines is 45%. | |||||||||||||||
| 2135334 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | XXXX Client provided missing OH CSPA Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 36.37% is 43.63 points below the program guideline maximum 80%. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 30 years. | |
| 2135335 | XXXXXX | MA | 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 20 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 28% | |||||||||||||||
| 2135336 | XXXXXX | NJ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS5269: Minimal use of credit - Clayton Comments: B1 has only made use of 19% of $20,700.00 available revolving credit line | |||||||||||||||
| 2135337 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Texas Home Equity | Satisfied | C | A | C | A | TX Equity - Closed before later of appl/discl + 12 days | No | Initial application was taken XXXX. The Notice Concerning Extensions of Credit was not issued until XXXX. | XXXX Client provided the Initial XXXX Notice Concerning Extensions of Credit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9 years on current job | |
| 2135337 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9 years on current job | |
| 2135337 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9 years on current job | |
| 2135338 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.10% LTV below guideline requirements of 90.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 50 years CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.12% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135339 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | |||||||||||||||
| 2135340 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 12 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 708 > is above guideline minimum credit score 700. | |
| 2135340 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 12 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 708 > is above guideline minimum credit score 700. | |
| 2135341 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 742 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 26.76%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 54.67%; guidelines allow 85% | |||||||||||||||
| 2135342 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 20% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 39% | |||||||||||||||
| 2135343 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135344 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 19yrs time at current residence | |||||||||||||||
| 2135345 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | Home Mortgage Information Document not provided | XXXX Client provided missing OH CSPA Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 4yrs time at current residence | |
| 2135346 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 7 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.12% below guideline requirement 45.00%. | |||||||||||||||
| 2135347 | XXXXXX | DE | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 8 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.15% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135348 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.67 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.48 is less that the max of 80. | |||||||||||||||
| 2134949 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | RESPA - List of homeowners counseling organizations not in file | No | Missing Home Owners Counseling Organizations. | XXXX Client provided missing Homeowners Counseling Organization List dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has 15 years on current job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |
| 2134949 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | ROR - Disbursement date is before end of statutory rescission period | No | Final CD XXXX- disbursement date on XXX ROR form in file signed on XXX with end of recession on XXX condition pending receiving Post CD with updated disbursement date, LOX and proof of delivery to borrower | XXXX Client provided Funding CD 01/07 reflecting updated Disbursement date. Condition remains for Final Alta/Settlement Statement confirming the corrected date. XXXX Client provided the Final Alta/Settlement Statement verifying Disbursement date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has 15 years on current job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |
| 2134950 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by approx $1,300 a month. CFCFS1739: Positive mortgage payment history - Clayton Comments: Credit profile shows 0x30. | |
| 2134950 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by approx $1,300 a month. CFCFS1739: Positive mortgage payment history - Clayton Comments: Credit profile shows 0x30. | |
| 2134951 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation for debt with XXX Auto $666.00 monthly payment and $42,457.00 balance disclosed on the application. This debt is not on the credit report. | XXXX Client provided UDM supplement verifying new debt XXX payment of $666 with balance of $42,457 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.94 DTI below guideline of 45. | |
| 2134951 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXX HELOC has been closed to future draws. | XXXX Client provided explanation letter regarding HELOC w/XXX and executed by Borrower regarding account being frozen, not closed out. Condition remains for evidence of Borrower requesting closure of this HELOC w/Figure. XXXX Client provided executed by borrowers request to close out HELOC upon receipt of payoff | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.94 DTI below guideline of 45. | |
| 2134952 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2134953 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2134954 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 7 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 2 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.04% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 794 is 134 points above program guideline minimum of 660. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.19% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2134955 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 59.42% max per guidelines is 90%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 16 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 21 years CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 17 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.94% max per guidelines is 45%. | |||||||||||||||
| 2135237 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 30 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.26% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 701 is 41 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.56% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135238 | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | |||||||||||||||
| 2135239 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD sent via XXX on XXXX. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is XXX | Condition Satisfies. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 741 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.72%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.84%; guidelines allow 85% | |
| 2135239 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Title | Satisfied | D | A | D | A | Missing Title | No | missing title | XXXX Client provided property summary Title report | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 741 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.72%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.84%; guidelines allow 85% | |
| 2135240 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.41 DTI below guideline of 45. | |||||||||||||||
| 2135241 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 29yrs times at current job | |||||||||||||||
| 2135242 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV 60% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |||||||||||||||
| 2135243 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 715 > is above guideline minimum credit score 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 67.64% is 12.36 points below the program guideline maximum 80%. | |||||||||||||||
| 2135244 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.50 is less that the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 11+ years. | |||||||||||||||
| 2134957 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXX Credit Union HELOC has been closed to future draws. | XXXX Client provided executed by borrowers requesting closure of HELOC w/XXX Credit Union upon receipt of payoff balance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 FICO exceeds guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x88 mortgage payment history exceeds guideline of 0x30x12. | |
| 2134958 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 FICO exceeds guideline of 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 23 years at current job. | |||||||||||||||
| 2134959 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.58 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.98 is less that the max of 85. | |||||||||||||||
| 2134960 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 15yrs time at current job | |||||||||||||||
| 2134961 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 706 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.57%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 46.52%; guidelines allow 80% | |||||||||||||||
| 2134962 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | |||||||||||||||
| 2134963 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 50yrs time at current residence | |||||||||||||||
| 2134964 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.95 DTI below guideline of 45. | |||||||||||||||
| 2134965 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | |||||||||||||||
| 2134966 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.39 DTI below guideline of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22 years at current job. | |||||||||||||||
| 2134967 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $650 for zero tolerance fees.An Origination fee was added in the amount of $650 to the LE dated XXXX. | XXXX Condition remains. Client provided LE XXXX with disclosed Impounds and Origination fee. However, Origination fee is not tied to Impounds and should have been disclosed to borrower on LE XXXX e-signed by borrower on XXXX. Condition is pending further explanation as to why Origination fee was not present on LE XXXXXXXX Client provided an LOE for the Initial LE previously provided. The Initial LE XXXX reflects an Origination fee in section A. The 2nd LE XXXX issued, the amount amount was left off by mistake. The LE XXXX was issued reflecting the amount which did not increase from the original Amount and retesting results in no violation. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 19 years and 10 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.17% LTV below guideline requirements of 90.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.83% DTI is below guideline requirement of 45.00%. | |
| 2134968 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 701 exceeds guide lines. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 27.03% is below lender's guide line maximum of 80%. | |||||||||||||||
| 2134969 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence of debt to XXX/XXX reflecting monthly payment of $29.00 | XXXX Client provided UDM evidence of monthly XXX /XXX payment of $29.00 with balance of $419 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 29 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 50.82% max per guidelines is 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.95% max per guidelines is 45%. | |
| 2134970 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 30yrs time at current residence | |||||||||||||||
| 2134971 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 8 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 1 month CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.52% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2134972 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Mortgage/Deed in file is incomplete | No | Mortgage/Deed in file is incomplete, missing page 20, only pages 1-19 in file. | XXXX Client provided missing, fully executed, XXXX Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10yrs time at current job CFCFS1736: Significant time at current residence - Clayton Comments: 10 yrs time at current residence | |
| 2134973 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 20.73 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.26 is less that the max of 80. | |||||||||||||||
| 2134974 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0X30 since origination in 1/2021. CFCFS2860: Good credit history - Clayton Comments: Credit profile has no lates. | |||||||||||||||
| 2134975 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 707 FICO exceeds program min by > 20 points CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.72% DTI is below program max of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 11 years at current residence. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 20 years and 8 months at current job. | |||||||||||||||
| 2134976 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 39% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 22 years at current residence | |||||||||||||||
| 2134977 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 31% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |||||||||||||||
| 2134978 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has commission income not used to qualify CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 29% | |||||||||||||||
| 2134979 | XXXXXX | DE | 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 | Section 32 | Satisfied | C | A | C | A | Section 32 Loan per Points and Fees Test | No | Provide the missing fee split documentation for further testing. Additional Conditions may apply. | XXXX Client provided the missing Fee Split document for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) | |
| 2134980 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 FICO exceeds guideline of 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x70 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| 2134981 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 675 is above the minimum of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.64%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 61.25%; guideline allow 75% | |||||||||||||||
| 2134982 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2134983 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 13 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.47% max per guidelines is 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.78% max per guidelines is 45%. | |||||||||||||||
| 2134984 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 711 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.58%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 73.85%; guidelines allow 80% | |||||||||||||||
| 2134985 | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXX HELOC has been closed to future draws. | XXXX Client provided executed by borrowers account closure letter: HELOC w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.94 DTI below guideline of 45. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x53 mortgage payment history exceeds guideline of 0x30x12. | |
| 2134985 | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | Missing Title | No | Missing title. | XXXX Client provided copy of Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.94 DTI below guideline of 45. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x53 mortgage payment history exceeds guideline of 0x30x12. | |
| 2134986 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.75% max per guidelines is 45%. | |||||||||||||||
| 2037301 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.81 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.30 is less that the max of 80 | |||||||||||||||
| 2134987 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 72.25 is less that the max of 85. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by over $1,400 a month. | |||||||||||||||
| 2134988 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 725 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 18.15%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.90%; guidelines allow 80% | |||||||||||||||
| 2134989 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verbal VVOE dated within 10 days of note date of XXX, VVOE dated 9/24/2025 for Co-borrower. | XXXX Client provided a 10/21 VVOE for B2 | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 9 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 54.11% max per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.59% max per guidelines is 45%. | |
| 2134990 | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 754 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.62%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.32%; guidelines allow 85% | |||||||||||||||
| 2134991 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 53.88% LTV below guideline requirements of 85.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 737 is 77 points above program guideline minimum of 660. | |||||||||||||||
| 2134992 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 25.17 is less than the max of 85. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 25+ years. | |||||||||||||||
| 2134993 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.13 DTI below guideline of 45. | |||||||||||||||
| 2134994 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 23 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >32 years time at current job | |||||||||||||||
| 2134995 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 723 credit score exceeds the 660 minimum guideline requirement by 63 points. CFCFS1744: DTI below guideline requirement - Clayton Comments: 18% is 17% below the maximum guideline requirement of 45%. | |||||||||||||||
| 2134996 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 FICO exceeds guideline of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 37 years at current job. | |||||||||||||||
| 2134997 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 27 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been self-employed for 33 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 52.62% max per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.24% max per guidelines is 45%. | |||||||||||||||
| 2134998 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.58 DTI below guideline of 45. | |
| 2134998 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.58 DTI below guideline of 45. | |
| 2134999 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH Home Mortgage Information Document. | XXXX Client provided missing OH CSPA Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated 12/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 699 is above the minimum of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 74.60%; guidelines allow 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.84%; guidelines allow 45% | |
| 2135000 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 33yrs time at current residence | |||||||||||||||
| 2135001 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 credit score exceeds the 660 minimum guideline requirement by 48 points. CFCFS1737: LTV below guideline requirements - Clayton Comments: 67% CLTV is 13% below the maximum guideline requirement of 80%. | |||||||||||||||
| 2135002 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.29% LTV below guideline requirements of 75.00% per program. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 2 months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 2135003 | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0X30 since origination in 12/2021. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by $952 a month. | |||||||||||||||
| 2135004 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 55% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years at current residence | |||||||||||||||
| 2135349 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22yrs time at current job | |||||||||||||||
| 2135350 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 12 yrs time in profession | |||||||||||||||
| 2135351 | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.70% below guideline requirement 45.00%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 73.21% below guideline requirements 80.00%. | |||||||||||||||
| 2135352 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Missing Locked LE dated XXXX per COC dated XXXX | XXXX Client provided missing Initial LE XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence | |
| 2135353 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10yrs time at current job | |||||||||||||||
| 2135354 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Credit | Title | Satisfied | A | A | A | A | Missing Title | No | missing title | XXXX Client provided Property summary Title Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 727 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.86%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.02%; guidelines allow 85% | |
| 2135355 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 49.91% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 761 is 61 points above program guideline minimum of 700. | |||||||||||||||
| 2135356 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 22 years and 9 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.63% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 760 is 100 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.97% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135357 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 8yrs time at current residence | |||||||||||||||
| 2135358 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 7 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.06% max per guidelines is 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower FICO score is 792 max per guidelines is 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 59.80% max per guidelines is 90%. | |||||||||||||||
| 2135359 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 18.46 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70.29 is less that the max of 90. | |||||||||||||||
| 2135360 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence | |||||||||||||||
| 2135361 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 4yrs time at current residence | |||||||||||||||
| 2135362 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 26yrs time at current residence | |||||||||||||||
| 2135363 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 725is above the minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 67.17%; guidelines allow 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.94%; guidelines allow 45% | |||||||||||||||
| 2135364 | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14 years time at current job | |||||||||||||||
| 2135365 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 61% | |||||||||||||||
| 2135366 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 7 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 59.49% max per guidelines is 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.65% max per guidelines is 45%. | |||||||||||||||
| 2135367 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 32 yrs time in profession | |||||||||||||||
| 2135368 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 54% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 22 years at current residence | |||||||||||||||
| 2135369 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD 12/3 sent via XXX on XXXX. Condition remains. Provide acknowledgement of receipt for Non-Borrower for the Initial CD dated XXXX. If unable to provide, the exception may be Satisfied a 2B using Final CD, Mortgage and ROR document executed at closing. XXXX Client provided Disclosure history reflecting CD sent via XXX on XXXX. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is XXX. Closing date was XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5yrs time at current job | |
| 2135370 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 744 > is above guideline minimum credit score 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x52 exceeds mortgage history guidelines. | |||||||||||||||
| 2135371 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 694 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.51 DTI below guideline of 45. | |||||||||||||||
| 2135372 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 56% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20 years on current job | |||||||||||||||
| 2135373 | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers mid credit score exceeds score requirements with a mid score of 777. | |||||||||||||||
| 2135374 | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.68 is less than the max of 45. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 since origination 4/2021. | |||||||||||||||
| 2135375 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence > 26 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 73.86% below guideline requirements 85.00% | |||||||||||||||
| 2135376 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.56 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 64.66 is less that the max of 80. | |||||||||||||||
| 2135377 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.43% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 745 is 45 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.86% DTI is below guideline requirement of 45.00%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2135378 | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 28 years and 8 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 2 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 799 is 119 points above program guideline minimum of 680. CFCFS1737: LTV below guideline requirements - Clayton Comments: 66.63% LTV below guideline requirements of 90.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.82% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135379 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $100 for zero tolerance fees.A Title Examination fee was added to the Initial CD dated XXXX. | XXXX Client provided COC XXXX reflecting a UCC was identified on title's property report summary requiring curative title action resulting in a Title Examination fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.59% max per guidelines is 45%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 68.29% max per guidelines is 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower FICO score is 810 max per guidelines is 760. | |
| 2135380 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | Missing Title | No | Missing Title. | XXXX Client provided copy of Property Summary Title Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 729 Guidelines allow 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: Low DTI 42.61% Guidelines Require 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: Low LTV/CLTV/HLTV 56.69% Guidelines allow 85%. | |
| 2135381 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.46 DTI below guideline of 45. | |||||||||||||||
| 2135382 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 19 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 59.54% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 735 is 35 points above program guideline minimum of 700. | |||||||||||||||
| 2135383 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 64.93% max per guidelines is 75%. | |||||||||||||||
| 2135384 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 credit score exceeds the 700 minimum guideline requirement by 27 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 62 month mortgage payment history exceeds the 12 month minimum guideline requirement by 50 months. | |
| 2135384 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 727 credit score exceeds the 700 minimum guideline requirement by 27 points. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 62 month mortgage payment history exceeds the 12 month minimum guideline requirement by 50 months. | |
| 2135385 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 796 > is above guideline minimum credit score 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 67.03% is 22.97 points below the program guideline maximum 90%. | |||||||||||||||
| 2135386 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.93% below guideline requirement 45.00% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 50.29% below guideline requirements 90.00% | |||||||||||||||
| 2135387 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years and 11 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 36.73% LTV below guideline requirements of 75.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60 months | |||||||||||||||
| 2135388 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 45.00% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 755 is 95 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.29% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135389 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 59.24% is 25.76 points below the program guideline maximum 85%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 6 years. | |||||||||||||||
| 2135390 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 19Yrs time at current residence | |||||||||||||||
| 2135391 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 775 > is above guideline minimum credit score 760 CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x42 exceeds mortgage history guidelines. | |||||||||||||||
| 2135392 | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.27%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 752 is above the minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 84.52%; guidelines allow 85% | |||||||||||||||
| 2135393 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 49.64% is 25.36 points below the program guideline maximum 75%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 27 years. | |||||||||||||||
| 2135394 | XXXXXX | GA | 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: 26 yrs time at current job | |||||||||||||||
| 2135395 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x55 exceeds mortgage history guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 20 years. | |||||||||||||||
| 2135396 | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.54 DTI below guideline of 45. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x119 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| 2135397 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 746 FICO exceeds program min by > 20 points CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.81% DTI is below program max of 45%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years and 7 months at current job. | |||||||||||||||
| 2135398 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 11 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.84% max per guidelines is 45%. | |||||||||||||||
| 2135399 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 8 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 3 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.04% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 739 is 79 points above program guideline minimum of 660. | |||||||||||||||
| 2135400 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 3yrs time at current residence | |
| 2135400 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 3yrs time at current residence | |
| 2135401 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 773 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 49.72%; guidelines allow 50 % CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 73.69%; guidelines allow 85% | |||||||||||||||
| 2135402 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 686 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.61 DTI below guideline of 45. | |||||||||||||||
| 2135403 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 53.73% is 21.27 points below the program guideline maximum 75%. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 15 years. | |||||||||||||||
| 2135404 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 12 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 754 exceeds guide lines. | |||||||||||||||
| 2135417 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 38 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 39.21% max per guidelines is 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower FICO score is 805 max per guidelines is 760. | |||||||||||||||
| 2135418 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $2,055.37. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 31 years. | |||||||||||||||
| 2135419 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Ten percent tolerance fail of $76.50. Due to recording fee increased on CD issued XXXX with no COC in file. Provide COC reflecting valid reason for the fee changes within 3 business days of change or PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via shipping method including tracking, within 60 days of discovery. | XXXX Client provided a missing 10/22 COC for the Revised 10/27 CD which states the loan amount increased resulting in the recording fee increase to $429. Condition remains. Upon further review, it appears the Recording Fee increased initially on the Initial 10/3 CD without a COC in file. A loan amount increase is not a valid reason for the Recording Fee to increase. Provide the missing COC for the Initial 10/3 CD for further testing. Additional conditions may apply.12/XXXX25 Client provided PCCD 12/10 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 19.48% below guideline requirements 80.00%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 9 years. | |
| 2135420 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 $155 due to increase in 2nd Appraisal (55) & Title Exam(100) without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping.Lender's credit of $55 for exceeding legal limit is not sufficient to cover zero tolerance fee. | XXXX Client provided COC XXXX reflecting Curative action required. Condition remains. Provide further explanation detailing what was needed to cure Title for review. Additional conditions may apply. 12/XXXX25 Client provided Collaborate comment: the $55 included in section J lender credits for increase in closing costs above legal limit on the final CD was to cure the 2nd appraisal fee increase. As the full increase was provided to the borrower at the time of disbursement no additional post closing refund is due to the borrower. Condition remains. Lender credit cure of $55.00 was applied to the 2nd Appraisal. The remaining Zero tolerance of $100.00 due to addition of the Title Examination fee. Provide COC adding additional details of what was identified to require a curative Title with fee added or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. XXXX Client requested review. The COC XXXX previously provided does not reflect why the Curative Title was needed. Provide a Valid reason COC to reflect the issue on title to be cured or PCCD with $100.00 cure, copy of cure check, LOE to Borrower and evidence of delivery. XXXX Client provided a Collaborate Comment: COC for the title was provided on 12/8. Please advise if the doc provided on 12/8 was acceptable. The Appraisal portion of the tolerance was cleared resulting in Zero tolerance of $100.00. Condition remains as is from 12/9, 12/11 & XXXX. The COC XXXX only reflects Curative action required. Provide further explanation detailing what was needed to cure the Title, to be reviewed. Additional conditions may apply. XXXX Client provided a collaborate comment: please clarify what else is needed -- title added the charge for curative due to them ordering a XXX search. that information was provided on the COC previously provided. Provide further explanation for what "change" occurred that prompted the XXX search. Subject to re-review. XXXX Client provided updated comment on COC 7/2XXXX indicating XXX fee was added due to HELOC lien identified on Title Report. Condition satisfied | XXXX Condition satisfied | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 28 years at current job. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 21.96% is below lender's guide line maximum of 75%. | |
| 2135421 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 5yrs time at current residence | |||||||||||||||
| 2135422 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | (No Data) | |
| 2135422 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | (No Data) | |
| 2135423 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25yrs time at current job | |||||||||||||||
| 2135424 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 807 is 47 points above program guideline minimum of 760. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2135425 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence | |||||||||||||||
| 2135426 | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 65.33% max per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.26% max per guidelines is 45%. | |||||||||||||||
| 2135427 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 66% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135428 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 689 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.06%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 54.87%; guidelines allow 75% | |||||||||||||||
| 2135429 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 64.66% max per guidelines is 85%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 last 22 months payment paid on time. | |||||||||||||||
| 2135430 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 756 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.77%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 63.99%; guidelines allow 85% | |||||||||||||||
| 2135431 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.88 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70.25 is less that the max of 85. | |||||||||||||||
| 2135432 | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5yrs time at current job | |||||||||||||||
| 2135433 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 764 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 47.60%, guidelines allow 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.17%; guidelines allow 45% | |||||||||||||||
| 2135434 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 760 is equal to the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.76%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 89.30%; guidelines allow 90% | |||||||||||||||
| 2135435 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | Income Amount is Unsupported by Documentation in File | No | Missing W-2s are illegible. Please provide clear W-2s for years 2023 and 2024. | XXXX Client provided copy of 2024/2023 legible copy of w2's | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 26.49% is below lender's guideline maximum of 45%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO score 691 exceeds guidelines. | |
| 2135436 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 63.12% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.66% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135437 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document | XXXX Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 707 is above the minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.58%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 64.08%; guidelines allow 80% | |
| 2135438 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135439 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD sent via XXX on XXXX. Condition remains. The ICD in file is dated XXXX and the complete audit trail in the file is missing for both. Provide evidence that both received the Initial CD XXXX. XXXX Client provided Disclosure History reflecting Initial CD was also sent via XXX XXXX. Mail rule applies making the earliest closing date XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25yrs time at current job | |
| 2135439 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25yrs time at current job | |
| 2135439 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25yrs time at current job | |
| 2135440 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 29.26 is less that the max of 80. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by over $5,000 a month. | |||||||||||||||
| 2135441 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 694 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.22 DTI below guideline of 45. | |||||||||||||||
| 2135442 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135443 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 15 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.50% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 750 is 90 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 31.30% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135444 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated XXXX app date XXXX | XXXX Client provided missing Homeowners Counseling Organization List dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years at current job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |
| 2135445 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.84 DTI below guideline of 45. | |||||||||||||||
| 2135446 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.61 DTI below guideline of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 26 years at current job. | |||||||||||||||
| 2135447 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 credit score exceeds the 700 minimum guideline requirement by 26 poinnts. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 62 months mortgage payment history exceeds the 12 month minimum guideline requirement by 40 months. | |||||||||||||||
| 2135448 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 15yrs time at current residence | |||||||||||||||
| 2135449 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 8 years at current job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135450 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing Legal Document(s) | No | missing page 4 of note | XXXX Client provided full copy of executed Note (including pg 4 with signatures) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 691 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.99%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 56.20%; guidelines allow 75% | |
| 2135451 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | Missing Title | No | title missing | XXXX Client provided copy of Title Property Report, subject paid off 2nd lien and copy of closure letter in original file | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 767 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 26.79%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 74.43%; guidelines allow 90% | |
| 2135452 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 776 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 64.34%; guidelines allow 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.75%; guidelines allow 45% | |||||||||||||||
| 2135453 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | Missing Title | No | Missing title report. | XXXX Client provided Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 18 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 739 exceeds guide lines. | |
| 2135454 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $540 for zero tolerance fees.A 2nd Appraisal Fee was added to the LE dated XXXX in the amount of $540. The COC in file dated XXXX does not address the addition of this fee.(There is a tolerance cure on the final CD in the amount of $212, but this covers the increase of the credit report.) | XXXX Client provided COCXXXX reflecting loan amount increase, Appraisal value and LTV decreased and 2nd appraisal required. Condition remains. Provide a valid reason for the 2nd appraisal being required after initial disclosure or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. XXXX Client provided a duplicate of LE 10/22. Condition remains. Provide a valid reason for the addition of the 2nd appraisal fee even though the loan amount decreased from $XXX to $XXX on revised LEXXXX or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. XXXX Client provided COC XXXX reflecting 2nd Appraisal fee added per AVM value and score. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.89%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 787 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 90%; guidelines allow 90% | |
| 2135455 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | A | A | A | A | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence of taxes/Ins/HOA if applicable for 2nd home totaling ($949). | XXXX Client provided evidence of monthly taxes $742.90 and HOI $206.01 total $948.91 for REO 2nd Home: XXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 19 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 30 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 35.47% max per guidelines is 90%. | |
| 2135455 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Credit | Income/Employment | Satisfied | A | A | A | A | Missing Required Income Documentation | No | Missing income docs supporting $3331.71 for borrower and $7240.91 for co-borrower. | XXXX Client provided Written VOE for both borrowers covering YTD 2025 income and prior two years earnings, income used for qualifying is supported with Written VOE dated prior to closing. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 19 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 30 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 35.47% max per guidelines is 90%. | |
| 2135455 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Credit | Income/Employment | Satisfied | A | A | A | A | Verbal verification of employment missing | No | Missing updated VVOE dated with 10 days of closing on XXXX | XXXX Client provided VVOE for B1 dated XXXX and XXXX however appears we are missing the XXX for B2 dated XXXX verifying employment. Condition remains for B2 XXX VVOE dated XXXX XXXX Client provided Written VOE XXX for B2 dated XXXX however requested VVOE w/XXX dated XXXX; condition remains Note: still missing the actual VVOE from XXX dated XXXX as stated was verified with XXX , but the XXX is not being provided, please provide dated XXXX for B2 XXXX Client provided LOX stating see attached VVOE it was a manual VVOE completed with employer on XXXX for B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 19 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 30 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 35.47% max per guidelines is 90%. | |
| 2037513 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: On current job 9+ years. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 on current mortgage since opening 53 months. | |||||||||||||||
| 2135456 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD sent via twice via E-delivery and once via USPS on 12/11. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is 12/18. If unable to provide, Condition may be satisfied 2B using the Final CD, ROR and Mortgage documents signed by the Non-Borrower at the time of closing.XXXX Client provided aOne Span reflecting CD sent and received by Non-Bororwer on 12/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 23.53 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.56 is less that the max of 85. | |
| 2135457 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 52% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 36% | |||||||||||||||
| 2135458 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 30yrs time in profession | |||||||||||||||
| 2135459 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.29 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 25.95 is less that the max of 90. | |||||||||||||||
| 2135460 | XXXXXX | NV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 32 yrs time at current residence | |||||||||||||||
| 2037637 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum credit score required is 660. Loan credit score is 687. CFCFS1744: DTI below guideline requirement - Clayton Comments: Maximum DTI allowed is 45%. Loan DTI is 32.32%. | |||||||||||||||
| 2135462 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25yrs time at current job | |||||||||||||||
| 2135463 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 38.89% is 6.11 points below the program guideline maximum 45%. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $1,975.24. | |
| 2135463 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 38.89% is 6.11 points below the program guideline maximum 45%. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $1,975.24. | |
| 2135464 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 53% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 34% | |||||||||||||||
| 2135465 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 36 years and 6 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 26 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.22% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 721 is 61 points above program guideline minimum of 660. | |||||||||||||||
| 2135466 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.92 DTI below guideline of 45. | |||||||||||||||
| 2135467 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 684 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 43.10%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 49.73%; guidelines allow 75% | |||||||||||||||
| 2135468 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 54.10% is 2.90 points below the program guideline maximum 80%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 10 years. | |||||||||||||||
| 2135469 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 12 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job > 20 years. | |||||||||||||||
| 2135470 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 9 years in current profession CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135471 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Missing Note. | XXXX Client provided missing, fully executed Note. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 739 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.55%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 80%; guidelines allow 85% | |
| 2135471 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Missing Note | No | missing note | XXXX Client provided missing, fully executed Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 739 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.55%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 80%; guidelines allow 85% | |
| 2135471 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | XXXX Client provided missing, fully executed Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 739 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.55%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 80%; guidelines allow 85% | |
| 2135472 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135473 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 63% | |||||||||||||||
| 2135474 | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 35 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 33 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 33.69% max per guidelines is 85%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.10% max per guidelines is 45%. | |||||||||||||||
| 2135475 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135476 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 8/16/2011. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 12 years. | |||||||||||||||
| 2135477 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs time at current residence | |||||||||||||||
| 2135478 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 5yrs at current job | |||||||||||||||
| 2135479 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 25.46%; guidelines allow 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.95%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score of 754 is above the minimum of 740 | |||||||||||||||
| 2135480 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22 yrs time at current job | |||||||||||||||
| 2135481 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | Insurance Effective date is greater than the transaction date | No | Homeowner hazard insurance has effective dates 2/7/26-2/7/27. 1st Mortgage is not escrowed and no proof existing insurance in file. | XXXX Client provided prior HOI policy from XXXX | Condition satisfied | Not Applicable | Not Applicable | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional bonus income that is not being used to qualify. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 27.83% is 17.17 points below the program guideline maximum 45%. | |
| 2135482 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 6yrs time at current job | |||||||||||||||
| 2135483 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.01% LTV below guideline requirements of 85.00% per program. | |||||||||||||||
| 2135484 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 795 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.93 DTI below guideline of 45. | |||||||||||||||
| 2135485 | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.12 is less than the max of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: XXX 13+ years. | |||||||||||||||
| 2135486 | XXXXXX | CO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x58 exceeds mortgage history guidelines. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $740.87. | |||||||||||||||
| 2135487 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 65% below guideline requirements 85.00% -5% = 80.00%. | |||||||||||||||
| 2135488 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 15 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 3 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 70.44% LTV below guideline requirements of 75.00% per program. | |||||||||||||||
| 2135489 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 23% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 45% | |
| 2135489 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 23% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 45% | |
| 2135490 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 11yrs time at current residence | |||||||||||||||
| 2135491 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 $189.75 due to increase in Title Exam & Title Doc Prep on LE 10/1XXXX without a valid CoC.Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping | XXXX Client provided COC dated XXXX with valid reasons documented for added title fees. Fees were re-tested with no issues. Condition satisfied | XXXX Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 734 is above the minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 70.19%; guidelines allow 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.31%; guidelines allow 45% | |
| 2135492 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.80%; guidelines allow 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 754 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.11%; guidelines allow 45% | |||||||||||||||
| 2135493 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.88 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 79.64 is less that the max of 85. | |||||||||||||||
| 2135494 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 | $100 Zero tolerance due to increase in Title Exam Fee ($100) on FCD dated XXXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | XXXX Client provided PCCD XXXX with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 685 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.65%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 60.27%; guidelines allow 75% | |
| 2135495 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 53.27% is 21.73 points below the program guideline maximum 75%. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 years. | |||||||||||||||
| 2135496 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years and 4 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 51.83% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 787 is 127 points above program guideline minimum of 660. | |||||||||||||||
| 2135497 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $3,028.60, max allowed is $2,986.11; $42.49 excessive). | XXXX Client provided missing Fee Split document for proper allocation of Affiliate fees. QM Safe Harbor w/re-testing of fees | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 690 is above the minimum of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 74.41%; guidelines allow 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.23%; guidelines allow 45% | |
| 2135497 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Section 32 | Satisfied | C | A | C | A | Section 32 Loan per Points and Fees Test | No | File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply. Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $3,028.60, max allowed is $2,986.11; $42.49 excessive). | XXXX Client provided missing Fee Split document for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 690 is above the minimum of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 74.41%; guidelines allow 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.23%; guidelines allow 45% | |
| 2135498 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 47.77% LTV below guideline requirements of 75.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 782 is 82 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.42% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135499 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 718 FICO exceeds program min by > 20 points. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has 18% revolving credit utilization CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.53% DTI is below program max of 45%. | |||||||||||||||
| 2135500 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.45%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 753 is above the minimum of 740 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 56.53%; guidelines allow 85% | |||||||||||||||
| 2135501 | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 22yrs time at current residence | |||||||||||||||
| 2135502 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 804 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.12% DTI below guideline of 45%. | |||||||||||||||
| 2135503 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD sent via XXX on XXXX. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 35 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 62.36% below guideline requirements 75.00%. | |
| 2135504 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 13 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 8 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.13% max per guidelines is 45%. | |||||||||||||||
| 2135505 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135506 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 782 > is above guideline minimum credit score 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 65.04% is 24.96 points below the program guideline maximum 90%. | |||||||||||||||
| 2135507 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 8 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 8 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.52% LTV below guideline requirements of 75.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 33.70% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135508 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.97 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80 is less that the max of 85. | |||||||||||||||
| 2135509 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.55 DTI below guideline of 45. | |||||||||||||||
| 2135510 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.03 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.12 is less that the max of 75. | |||||||||||||||
| 2135511 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 27 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 61.23% below guideline requirements 80.00%, | |||||||||||||||
| 2135512 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 8 yrs time at current residence | |||||||||||||||
| 2135513 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Missing Initial Loan Estimate dated XXXX per the XXX on page 461 and the Intent to Proceed confirmation on page 395. | XXXX Client provided Initial Disclosures including missing Initial LE XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.66 is less that the max of 75. CFCFS1734: Borrower has significant time at current job - Clayton Comments: On job since 4/26/1999. | |
| 2135514 | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 15 years and 7 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.61% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135515 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.39 is less than the max of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Current job since 2/21/2011. | |||||||||||||||
| 2135516 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO exceeds guideline of 660. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 37 years at current job. | |||||||||||||||
| 2135517 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 75.95% is 4.05 points below the program guideline maximum 80%. | |||||||||||||||
| 2135518 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 4 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 82.80% max per guidelines is 90%. | |||||||||||||||
| 2135519 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | XXXX Client provided the missing OH CSPA; Home Mortgage Information Document signed by Borrower 10/22, Condition remains for the Co-Borrower Acknowledgement. XXXX Client provided the missing OH CSPA; Home Mortgage Information Document signed by Co-Borrower 10/22. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16yrs time at current job | |
| 2135520 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.60 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.99 is less that the max of 85. | |||||||||||||||
| 2135521 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 FICO exceeds guideline of 700. CFCFS1736: Significant time at current residence - Clayton Comments: 22 years 10 months at current residence. | |||||||||||||||
| 2135522 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time time in profession | |||||||||||||||
| 2135523 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 48%. CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 33%. | |||||||||||||||
| 2135524 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 30 years at current job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135525 | XXXXXX | VT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has OT income not used to qualify CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 40 years in current profession | |||||||||||||||
| 2135526 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | Missing Ack. of receipt of Home Mortgage Information Document. | XXXX Client provided Initial Home Mortgage Information Document. Condition satisfied | XXXX Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 5 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 FICO exceeds the program min by > 20 points CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has no delinquencies in the past 24 months. | |
| 2135528 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 50.19% is 34.81 points below the program guideline maximum 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x68 exceeds mortgage history guidelines. | |||||||||||||||
| 2135529 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 17yrs time in profession | |||||||||||||||
| 2037651 | XXXXXX | AR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 750 is 30 points above program guideline minimum of 720. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0X30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 2135530 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 19 years and 10 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 19 years and 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 57.46% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.70% DTI is below guideline requirement of 45.00%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2135531 | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.75 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 28.80 is less that the max of 80. | |||||||||||||||
| 2135532 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 25yrs time at current residence | |||||||||||||||
| 2135533 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135534 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 21% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135535 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >14 years at current job CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.43% below guideline requirement 45.00%. | |||||||||||||||
| 2135536 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 22.93% LTV below guideline requirements of 90.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 771 is 111 points above program guideline minimum of 660. | |||||||||||||||
| 2135537 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure History reflecting Initial CD was also sent via XXX XXXX. Mail rule applies making the earliest closing date XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 8 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 671 exceeds guide lines. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 59.67% is below lender's guide line maximum of 75%. | |
| 2135538 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.60%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 715 is above the minimum of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 67.60%; guidelines allow 80% | |||||||||||||||
| 2135539 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 800 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 50.18%; guidelines allow 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 26.57%; guidelines allow 45% | |||||||||||||||
| 2135540 | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has history of bonus income not used to qualify CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 12 years on current job | |||||||||||||||
| 2135541 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 41.83%; guidelines allow 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.58%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score of 759 is above the minimum of 740 | |||||||||||||||
| 2135542 | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 30 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.90% DTI is below guideline requirement of 45.00%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2135543 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 16yrs time in profession | |
| 2135543 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 16yrs time in profession | |
| 2135544 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.51 DTI below guideline of 45. | |||||||||||||||
| 2135545 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | XXXX client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 9yrs time at current residence | |
| 2135545 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | XXXX client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 9yrs time at current residence | |
| 2135546 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 FICO exceeds guideline of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x73 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| 2135547 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 7 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 last 58 months payment paid on time. | |||||||||||||||
| 2135548 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.05 DTI below guideline of 45. | |||||||||||||||
| 2037351 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 32% DTI is 13% below the 45% maximum guideline requirement. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 27 month mortgage payment history exceeds the 12 month minimum guideline requirement by 15 months. | |||||||||||||||
| 2135549 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 43.45 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 66.90 is less that the max of 85. | |||||||||||||||
| 2135550 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.95%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.25%; guidelines allow 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 755 is above the minimum of 700 | |||||||||||||||
| 2135551 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | Income Amount is Unsupported by Documentation in File | No | W2s in file for borrower's first job are illegible. Missing legible w2s for years 24 and 23. | XXXX Client provided legible copies of 2024/2023 w2's for 1st employment | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 17 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 780 exceeds guide lines. | |
| 2135552 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation Non Borrower (XXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated XXXX was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX/2024 Client provided Disclosure history reflecting CD sent via XXX on XXXX. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.64% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 732 is 72 points above program guideline minimum of 660. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months. | |
| 2135553 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7yrs time at current job | |||||||||||||||
| 2135554 | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The DTI is 29% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 68% | |||||||||||||||
| 2135555 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 13yrs time at current residence | |||||||||||||||
| 2135556 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 9yrs time at current residence | |||||||||||||||
| 2135557 | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton's status determination is Non-QM and lender's status determination is QM Rebuttable Presumption APOR. | XXXX after updated documents tested Determinations match as RP APOR | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.04 DTI below guideline of 45. | |
| 2135557 | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Section 32 | Satisfied | C | A | C | A | Section 32 Loan per Points and Fees Test | No | The total fees and points equal $2,499.53 or 5.276%, the maximum equals $2,368.91 or 5.0% for a difference of $130.62 or 0.276%.Additionally, Missing Fee Split to determine which fees were paid to Affiliate/Other | XXXX Client provided the fee split document for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.04 DTI below guideline of 45. | |
| 2135558 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62.45 is less that the max of 85. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 20+ years. | |||||||||||||||
| 2135559 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 3 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 8 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.96% LTV below guideline requirements of 85.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.90% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135560 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 FICO exceeds guideline of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.25 DTI below guideline of 45. | |||||||||||||||
| 2135561 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 2 years with current employer, B2 has 5 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score of 759 exceeds guideline minimum credit score of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history shows zero derogatory events since account opening 9/2021. | |||||||||||||||
| 2135562 | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.03 is less that the max of 90. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Reducing outgo by over $1,000. | |||||||||||||||
| 2135563 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned the subject property for 23 years 7 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer since XXXX/2000. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been with current employer since 1/XXXX10. CFCFS1737: LTV below guideline requirements - Clayton Comments: 57% CLTV is 23% below the maximum allowable CLTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 726 is 66 points above the minimum required score of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.42% DTI is below the maximum allowed DTI of 50%. | |||||||||||||||
| 2135564 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 6 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 76.01% max per guidelines is 80%. | |||||||||||||||
| 2135565 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 21% CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 22 years in current profession | |||||||||||||||
| 2135566 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 13 years and 2 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 64.12% LTV below guideline requirements of 85.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.96% DTI is below guideline requirement of 45.00%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2135567 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.56%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 89.17%; guidelines allow 90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 773 is above the minimum of 760 | |||||||||||||||
| 2135568 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 701 is 41 points above program guideline minimum of 660. CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.50% LTV below guideline requirements of 80.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2135569 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 774 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.45%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 56.53: guidelines allow 85% | |||||||||||||||
| 2135570 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 779 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 78.08%; guidelines allow 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.81%; guidelines allow 45% | |||||||||||||||
| 2135571 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 721 is above the minimum of 720 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 58.86%; guidelines allow 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.61%; guidelines allow 45% | |||||||||||||||
| 2135572 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 8 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 23 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 66.43% max per guidelines is 75%. | |||||||||||||||
| 2135573 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 $55 (Appraisal ) fee increased from LE $0 to CD $625. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | XXXX Client provided PCCD 01/02 with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 66.32% max per guidelines is 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 5 years. | |
| 2135574 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 13 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.88% max per guidelines is 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 56.94% max per guidelines is 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower FICO score is 800 max per guidelines is 760. | |||||||||||||||
| 2135575 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.90 DTI below guideline of 45. | |||||||||||||||
| 2135576 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.25 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 58.20 is less that the max of 75. | |||||||||||||||
| 2135577 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 720 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.48%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 37.80%; guidelines allow 85% | |||||||||||||||
| 2135578 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.77 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 67.26 is less than the max of 80. | |||||||||||||||
| 2135579 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Missing LE:XXXX. | XXXX Client provided missing Initial LE XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 783 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 12.69%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 21.38%; guidelines allow 90% | |
| 2135580 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 50.64 is less that the max of 75. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 23 years. | |||||||||||||||
| 2135581 | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 15 yrs time at current residence. | |||||||||||||||
| 2135582 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 22 years. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $1,248.27 | |||||||||||||||
| 2135583 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | Debts/obligations not disclosed/accounted for at origination | No | Missing student loan documentation verifying the loan payment and that the monthly payment is based on an income driven plan. | XXXX Client provided credit supplement verifying student loan is on a income based repayment plan of $0 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 FICO exceeds guideline of 660. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x49 mortgage payment history exceeds guideline of 0x30x12. | |
| 2135584 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 $125 due to increase in Title Doc prep on Cd XXXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | XXXX Client provided COC XXXX reflecting Title and recording fees added/increased, however does not list the reason for these fees. Condition remains. Provide a valid reason for these fees to be added or increased for review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. XXXX Client provided PCCD XXXX with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 29 yrs time at current residence | |
| 2135585 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 32.68 DTI below guideline of 45. | |||||||||||||||
| 2135586 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 23 years and 7 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 40 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 28.59% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 756 is 96 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 27.93% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135587 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 54% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 26 years at current job | |||||||||||||||
| 2135588 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135589 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) | XXXX Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25 yrs at current job | |
| 2135589 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) | XXXX Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25 yrs at current job | |
| 2135590 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 30.61% DTI is below guideline requirement of 45.00%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | |||||||||||||||
| 2135591 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 14yrs time at current residence | |||||||||||||||
| 2135592 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD sent via XXX on XXXX. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is XXX. Closing date was XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.95 is less that the max of 90. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0X30 since loan origination 8/2021. | |
| 2135593 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135594 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 69.23% max per guidelines is 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 5 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.06% max per guidelines is 45%. | |||||||||||||||
| 2135595 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 61% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 9 years at current job | |||||||||||||||
| 2135596 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 32% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |||||||||||||||
| 2135597 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 67% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135598 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 736 exceeds guide lines. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 5 years at current job. | |||||||||||||||
| 2135599 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 4yrs time at current residence | |||||||||||||||
| 2135600 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 12 yrs time in profession | |||||||||||||||
| 2135601 | XXXXXX | SD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | Income verification does not meet guidelines | No | Missing a paystub and W2s or a WVOE to calculate borrower's income | XXXX Client provided Written VOE dated XXXX covering YTD 2025 and prior two years earnings for B1; base income used for qualifying supported. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 12 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |
| 2135602 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation Non Borrower (XXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated XXXX was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD sent via XXX on XXXX. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 FICO exceeds guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x87 mortgage payment history exceeds guideline of 0x30x12. | |
| 2135603 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 817 > is above guideline minimum credit score 760. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 37.64% is 7.36 points below the program guideline maximum 45%. | |||||||||||||||
| 2135604 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | Insurance Effective date is greater than the transaction date | No | Provide insurance with an effective date on/before the note date. HOI Policy effective date is XXXX with Disbursement Date of XXX | XXXX Client provided appears to be duplicate (in file) HOI policy from XXXX - 2026 with Note date of XXX; initial condition remains, possibly missing the prior HOI policy. XXXX Client provided prior HOI policy from XXXX | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.57 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 74.60 is less that the max of 85. | |
| 2135605 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 22.93 is less than the max of 45. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 23+ years. | |||||||||||||||
| 2135606 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 FICO exceeds guideline of 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 21 years at current job. | |||||||||||||||
| 2135607 | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 FICO exceeds guideline of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.42 DTI below guideline of 45. | |||||||||||||||
| 2135608 | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Federal Higher-Priced | Satisfied | C | A | C | A | Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards | No | Maximum charges $4,544.85; Adjusted charges $2,954.40. Total charges of 5.20% exceeds the UT High-Cost Loan threshold Maximum Charge of 5.00%. Missing Fee Split to determine fees paid to Affiliate. | XXXX Client provided the missing fee split document for proper allocation of Affiliate fees. QM Rebuttable | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs time at current residence | |
| 2135608 | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Section 32 | Satisfied | C | A | C | A | Section 32 Loan per Points and Fees Test | No | Section 32 threshold calculation: Maximum charges $2,834.78; Adjusted charges $2,954.40. Total charges of 5.211% exceeds the UT High-Cost Loan threshold Maximum Charge of 5.00%. Additionally, Missing Fee Split to determine fees paid to Affiliate. | XXXX Client provided the missing fee split document for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs time at current residence | |
| 2135609 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 34% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 43% | |||||||||||||||
| 2135610 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 12 years and 9 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 43 years and 2 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.97% LTV below guideline requirements of 80.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2135611 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 FICO exceeds guideline of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.74 DTI below guideline of 45. | |||||||||||||||
| 2135612 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD sent via XXX on XXXX. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is 12/07. Closing date was XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 9 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job > 7 years. | |
| 2135612 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | XXXX Client provided missing OH CSPA Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 9 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job > 7 years. | |
| 2135613 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 695 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.09%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 46.73%; guidelines allow 75% | |||||||||||||||
| 2135614 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: High Credit 783 Guidelines allow 760 CFCFS2860: Good credit history - Clayton Comments: Borrower Has history of Good credit with 0 Late Payments > 24 Months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 36 Months | |||||||||||||||
| 2135615 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.13 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 50.16 is less that the max of 80. | |
| 2135615 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | XXXX- Client provided an approved exception for missing T.42.1 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.13 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 50.16 is less that the max of 80. | |
| 2135616 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42 Title Endorsement | 12/XXXX25- Client provided an approved exception for missing T.42 Title Endorsement | 12/XXXX25- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 17yrs time in profession | |
| 2135616 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | 12/XXXX25- Client provided an approved exception for missing T.42.1 Title Endorsement | 12/XXXX25- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 17yrs time in profession | |
| 2135617 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 801 > is above guideline minimum credit score 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 74.44% is 15.56 points below the program guideline maximum 90%. | |||||||||||||||
| 2135618 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO exceeds guideline of 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 21 years at current job. | |||||||||||||||
| 2135619 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 8yrs time at current residence | |||||||||||||||
| 2135620 | XXXXXX | WI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135621 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 61.78% is 13.22 points below the program guideline maximum 75%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x67 exceeds mortgage history guidelines. | |||||||||||||||
| 2135622 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.40 is less than the max of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10+ years on current job. | |||||||||||||||
| 2135623 | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation Non Borrower (XXX) received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated XXXX was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure History reflecting Initial CD was also sent via XXX XXXX to NBS. Mail rule applies making the earliest closing date XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 23 years. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 10 years. | |
| 2135624 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 29% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 66% | |||||||||||||||
| 2135625 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.15 DTI below guideline of 45. | |||||||||||||||
| 2135626 | XXXXXX | WY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 746 > is above guideline minimum credit score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 34.57% is 50.43 points below the program guideline maximum 85%. | |||||||||||||||
| 2135627 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | Missing Title | No | Missing title. | XXXX Client provided Title Property Summary Report and file have evidence 2nd being paid and closed out | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.81 DTI below guideline of 45. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 at current job for 18 years. | |
| 2135628 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 713 > is above guideline minimum credit score 700. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 29 years. | |||||||||||||||
| 2135629 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 42% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |||||||||||||||
| 2135630 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 | $480.00 Zero Tolerance due to increase of Transfer Taxes Aggregate from $300 to $780.00 without a valid Change in Circumstance (CIC). Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | XXXX Client provided PCCD XXXX with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.78 DTI below guideline of 45. | |
| 2135631 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | Note Not Executed | No | Missing the Signature Page (page 4) of the Note; only pages 1-3 in file. | XXXX Client provided executed copy of subject Note date (all 4 pages) | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 48 yrs time at current residence. | |
| 2135632 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Mortgage/Deed in file is incomplete | No | Mortgage/Deed in file is incomplete -missing pages 20,21 | XXXX Client provided fully executed Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 23yrs time at current residence | |
| 2135632 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Title | Satisfied | C | A | C | A | Title Does Not Agree With Mortgage | No | Mortgage/Deed in file is incomplete -missing pages 20,21 | XXXX Client provided executed full copy of all 21 pages of subject Mortgage/Deed of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 23yrs time at current residence | |
| 2037635 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has been at current job for 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 693 credit score exceeds the 660 minimum guideline requirement by 33 points. | |||||||||||||||
| 2135633 | XXXXXX | CT | 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: 25yrs time at current residence | |||||||||||||||
| 2135634 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 12 years in current profession CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135635 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided XXXX 12/10 reflecting Non Borrower receipt on 12/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 11 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 11 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 34.09% LTV below guideline requirements of 85.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.23% DTI is below guideline requirement of 45.00%. | |
| 2135636 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 43.05% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 799 is 99 points above program guideline minimum of 700. | |||||||||||||||
| 2135637 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 14 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 46.24% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 718 is 58 points above program guideline minimum of 660. | |||||||||||||||
| 2135638 | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance $100 due to increase in Title Exam on CD XXXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping | XXXX Client provided COC XXXX reflecting Examination fee due to Judgement on title to be cleared. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 19yrs time at current job | |
| 2135639 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 19yrs time at current residence | |||||||||||||||
| 2135640 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 6 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 7 years CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 79.99% max per guidelines is 85%. | |||||||||||||||
| 2135641 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 68% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135642 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 24 yrs time at current residence | |||||||||||||||
| 2135643 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 15% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 68% | |||||||||||||||
| 2135644 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.42% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 805 is 45 points above program guideline minimum of 760. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.11% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135645 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 years in current profession CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135646 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation Non Borrower (XXX received an accurate CD 3 business days prior to closing. XXX Electronic Evidence provided dated XXXX was incomplete; missing pages. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure History reflecting Initial CD was also sent via XXX XXXX. Mail rule applies making the earliest closing date XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.05% is less than the max of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 52.74% is less that the max of 90%. | |
| 2135647 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 777 > is above guideline minimum credit score 760. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x67 exceeds mortgage history guidelines. | |||||||||||||||
| 2135649 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.61 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75.48 is less that the max of 90. | |||||||||||||||
| 2135650 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 12 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 5 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 42.86% max per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.03% max per guidelines is 45%. | |||||||||||||||
| 2135651 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 5 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job > 23 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 55.17% below guideline requirements 75.00%. | |||||||||||||||
| 2037253 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 78.75% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 755 is 55 points above program guideline minimum of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.08% DTI is below guideline requirement of 45.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 21 years and 9 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 19 years | |||||||||||||||
| 2135652 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.96 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 36.93 is less that the max of 90. | |||||||||||||||
| 2135653 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 46% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower have no late payments on the mortgage history | |||||||||||||||
| 2135654 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 48.65% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 778 is 118 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.37% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135655 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 1 month CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 16 years and 6 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 67.91% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 729 is 69 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.69% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135656 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence >45 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 21.44% below guideline requirements 85.00%. | |||||||||||||||
| 2135117 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Property Valuations | Appraisal | Satisfied | B | A | B | A | Appraisal dated after closing | No | Loan closed XXX, AVM provided in file dated XXXX. | XXXX Client provided prior to closing AVM dated 9.17.2025 with value of $XXX and provided updated 1008 using this prior to closing AVM value for an CLTV of 50.46% (Note date XXX) | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.61% max per guidelines is 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 49.38% max per guidelines is 75%. | |
| 2135118 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 3yrs time at current residence | |||||||||||||||
| 2135119 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 754 > is above guideline minimum credit score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 65.02% is 14.98 points below the program guideline maximum 80%. | |||||||||||||||
| 2135120 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 37yrs time at current residence | |||||||||||||||
| 2135121 | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 757 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.34%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 68.20%; guidelines allow 85% | |||||||||||||||
| 2135122 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x68 exceeds mortgage history guidelines CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 17 years. | |||||||||||||||
| 2135123 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.27%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 774 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 45.31%; guidelines allow 90% | |||||||||||||||
| 2135124 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 43% CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 20% | |||||||||||||||
| 2135125 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 3 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 34 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.10% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 710 is 50 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.15% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135126 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 50% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 11 years at current residence | |||||||||||||||
| 2135127 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 22 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135128 | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 26 time at current residence | |||||||||||||||
| 2135129 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 33% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 14 years at current job | |||||||||||||||
| 2135130 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.10 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.76 is less that the max of 85. | |||||||||||||||
| 2135131 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 750 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.90%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 53.93%; guidelines allow 85% | |||||||||||||||
| 2135132 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $4,436.94, max allowed is $4,250.02; $186.92too high). | XXXX Client provided Split Fee, fees retested. QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 744 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.07%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.66%; guidelines allow 85% | |
| 2135133 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | XXXX Client provided missing OH CSPA Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10yrs time at current job | |
| 2135134 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 83.91% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 796 is 36 points above program guideline minimum of 760. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.54% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135135 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 | Title Examination fee $100 added to initial CD XXXX section B. Fee is subject to zero tolerance as service is not listed on SPL. COC issued XXXX lists fee amount but does not give sufficient details as to why fee was added. Cure provided on final CD $50 for addition of Processing fee added to final CD. Insufficient to satisfy condition. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, total Refund of $150 w/ Proof of Delivery. | 12/XXXX25 Client provided COC 9/29 reflecting Property report required title curative work for a UCC that needed to be terminated and a lien that need to be paid off resulting in a Examination fee added. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.85 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 61.04 is less that the max of 80. | |
| 2135136 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 8 years and 4 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 71.92% LTV below guideline requirements of 85.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 789 is 89 points above program guideline minimum of 700. | |||||||||||||||
| 2135137 | XXXXXX | NM | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 10 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 82.41% max per guidelines is 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.40% max per guidelines is 45%. | |||||||||||||||
| 2135138 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 12yrs time at current residence | |||||||||||||||
| 2135139 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 723 exceeds guide lines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.63% is below lender's guide line maximum of 45%. | |||||||||||||||
| 2135140 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 22 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 25 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 46.53% max per guidelines is 85%. | |||||||||||||||
| 2135141 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | Potential title issue | No | The Property Report Summary is missing mortgage search and judgment search results. | XXXX Client provided copy of Title Search Report | condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.92 DTI below guideline of 45. | |
| 2135142 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 64% CLTV is 10% below the maximum guideline requirement of 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25% DTI is 20% below the maximum guideline requirement of 45%. | |||||||||||||||
| 2135143 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 32 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.98% max per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.46% max per guidelines is 45%. | |||||||||||||||
| 2135144 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 46.87 is less than the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 22+ years. | |||||||||||||||
| 2135145 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 752 FICO exceeds guideline of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x56 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| 2135146 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 6yrs time at current residence | |||||||||||||||
| 2135147 | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 22yrs time at current residence | |||||||||||||||
| 2135148 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 35 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 29 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 49.12% max per guidelines is 90%. | |||||||||||||||
| 2135149 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 8 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 16 years and 5 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 31.21% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 747 is 87 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.30% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135150 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135151 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 23 years and 10 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 17 years and 7 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 39.75% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 759 is 59 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2135152 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 773 > is above guideline minimum credit score 760. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 6 years. | |||||||||||||||
| 2135153 | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 738 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 47.92%; guidelines allow 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 78.714%; guidelines allow 80% | |||||||||||||||
| 2135154 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x62 exceeds mortgage history guidelines. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $600.12. | |||||||||||||||
| 2135155 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 24 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 43.56% LTV below guideline requirements of 80.00% per program. | |||||||||||||||
| 2135156 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 777 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.29%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 69.73%; guidelines allow 90% | |||||||||||||||
| 2135157 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 21yrs time at current residence | |||||||||||||||
| 2135158 | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 FICO exceeds guideline of 720. CFCFS1734: Borrower has significant time at current job - Clayton Comments: 16 years at current job. | |||||||||||||||
| 2135159 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 25yrs in profession | |||||||||||||||
| 2135160 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 22 years time at current job | |||||||||||||||
| 2135161 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 5 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 5 years. | |||||||||||||||
| 2135162 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.62 is less than the max of 45. CFCFS2854: Significant time in profession - Clayton Comments: 10+ years in profession. | |||||||||||||||
| 2135163 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 $251.20 due to (Title - Title Examination $100) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower.Lender credit $151.20 not sufficient to cure tolerance | XXXX Client provided COC dated XXXX for a different borrower/ transaction. Condition remains and is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund for $100 and proof of delivery via shipping that includes tracking information.XXXX Client provided COC XXXX reflecting Title Examination fee added to clear Judgement found on Title Report. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 3yrs time at current residence | |
| 2135165 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 19yrs time a current residence | |||||||||||||||
| 2135166 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.66% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 748 is 48 points above program guideline minimum of 700. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1744: DTI below guideline requirement - Clayton Comments: 23.46% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135167 | XXXXXX | CO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 741 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.71%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 83.65%; guidelines allow 85% | |||||||||||||||
| 2135168 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 11 years with current employer. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Mid credit score of 757 exceeds guideline minimum credit score of 680. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.9 is below guideline max DTI of 50.0. | |||||||||||||||
| 2135169 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x44 exceeds mortgage history guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 35.39% is 9.61 points below the program guideline maximum 45%. | |||||||||||||||
| 2135170 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD sent via XXX on 12/10. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is XXX. Condition remains for evidence Non-Borrower received Initial CD minimum of 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD, ROR and Mortgage at closing.XXXX Client rpovided XXX reflecting that CD was sent and received on 12/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 5 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 798 is 38 points above program guideline minimum of 760. CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.64% DTI is below guideline requirement of 45.00%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |
| 2135170 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | XXXX Client provided missing OH CSPA Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 5 months CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 798 is 38 points above program guideline minimum of 760. CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.64% DTI is below guideline requirement of 45.00%. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |
| 2135171 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 years in profession | |||||||||||||||
| 2135172 | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.91 DTI below guideline of 45. | |||||||||||||||
| 2135245 | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 28yrs time at current residence | |||||||||||||||
| 2135247 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.32 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 77.75 is less that the max of 90. | |||||||||||||||
| 2135248 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 10 years and 1 month CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 43.96% LTV below guideline requirements of 80.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2037276 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 40% CLTV is 35% below the maximum guideline requirement of 75%(DTI > 45%). CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 717 credit score exceeds the minimum guideline requirement of 700 by 17 points. | |||||||||||||||
| 2135249 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 731 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.01 DTI below guideline of 45. | |||||||||||||||
| 2135250 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 15 years and 11 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 6 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 62.56% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 789 is 129 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.66% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135251 | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 742 FICO exceeds program min by > 20 points CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has 17% revolving credit utilization. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 9 years at current residence. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years and 10 months at current job. | |||||||||||||||
| 2135252 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 30 years and 7 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.32% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 762 is 102 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.06% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2037574 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | 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 | Initial Lender ATR/QM Status is QM Safe Harbor APOR. Clayton's status determination is Non-QM due to points and fees | XXXX Client provided XXX w/Non QM status | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 FICO exceeds guideline of 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.14 DTI below guideline of 45. | |
| 2135253 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 26% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 66% | |||||||||||||||
| 2135254 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | COC XXXX stated a revised LE XXXX was re-disclosed and delivered on XXXX, le is missing in file please provide along with any tracking information if applicable. | XXXX Client provided a collaborate comment: No Loan Estimate was issued on XXXX. COC was in the file in error. Final LE was dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 713 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.90 DTI below guideline of 45. | |
| 2135255 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135256 | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | C | A | C | A | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation of current HOA dues. The bill in file is for the 2020 annual dues.Missing documentation supporting $396.13 monthly taxes for the subject property. Taxes are not escrowed. | XXXX Client provided evidence of monthly taxes and monthly HOA dues | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 815 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.58 DTI below guideline of 45. | |
| 2135257 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | Missing Title | No | Missing a title report | XXXX Client provided Property Title Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 23% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 48% | |
| 2135258 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 18 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 680 exceeds guide lines. | |||||||||||||||
| 2135259 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 22 years and 4 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 5 months CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.38% LTV below guideline requirements of 80.00% per program. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2135260 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has stable employment with 19 years at current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Fico score 689 exceeds guide lines. | |||||||||||||||
| 2135261 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 21 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 24 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 61.19% max per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.44% max per guidelines is 45%. | |||||||||||||||
| 2135262 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.12 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.51 is less that the max of 80. | |||||||||||||||
| 2037658 | XXXXXX | NM | 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: 15% revolving credit utilization CFCFS1734: Borrower has significant time at current job - Clayton Comments: 14.11 years current job time | |||||||||||||||
| 2037582 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 60.27% below guideline requirements 80.00% - 5.00% for DTI > 45.00% = 75.00%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has >21 years at current job | |||||||||||||||
| 2135263 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 53% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |||||||||||||||
| 2135264 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.31 DTI below guideline of 45. | |||||||||||||||
| 2135265 | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | XXXX Client provided missing OH CSPA Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.38% DTI is below program max of 45%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 9 years and 4 months at current job. | |
| 2037605 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional income showing on the pay stub of $7,419 per month. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 7.5 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 9.5 years | |||||||||||||||
| 2037357 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 69.91% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 752 is 52 points above program guideline minimum of 700. | |||||||||||||||
| 2135266 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score of 660 is equal to the minimum of 660 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 62.77%; guidelines allow 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.86%; guidelines allow 45% | |||||||||||||||
| 2135267 | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135268 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135269 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | Insurance Effective date is greater than the transaction date | No | Insurance effective date of XXXX is greater than the transaction date of XXX. | XXXX Client provided prior HOI policy dated XXXX and file have XXXX - 2026 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 FICO exceeds guideline of 760. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.43 DTI below guideline of 45. | |
| 2135270 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.26 is less that the max of 85. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 20+ years. | |||||||||||||||
| 2135271 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 42.63 DTI below guideline of 45. | |||||||||||||||
| 2135272 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 44.22% is 45.78 points below the program guideline maximum 90%. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 15 years. | |||||||||||||||
| 2135273 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 45.57% is 44.43 points below the program guideline maximum 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 39.53% is 5.47 points below the program guideline maximum 45%. | |||||||||||||||
| 2135274 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 25.39% is 54.61 points below the program guideline maximum 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x76 exceeds mortgage history guidelines. | |||||||||||||||
| 2135275 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 | $5.17 Zero tolerance due to increase in City/State Tax Stamps ($5.17) on FCD dated XXXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | XXXX Client provided PCCD XXXX with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 739 > is above guideline minimum credit score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 60.77% is 24.23 points below the program guideline maximum 85%. | |
| 2135276 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 15 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 13 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 60.29% max per guidelines is 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.58% max per guidelines is 45%. | |||||||||||||||
| 2135277 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Missing Mortgage | No | Missing Mortgage | XXXX Client provided executed Mortgage. Page 4 states Legal Description attached and made part hereof exhibit A. Condition remains for a copy of the legal description as part of the Mortgage document. XXXX Client provided exhibit A - Property Description to Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 41.85 DTI below guideline of 45. | |
| 2135278 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.42%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 711 is above the minimum of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 79.96%; guidelines allow 80% | |||||||||||||||
| 2135279 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 22yrs at current resident | |||||||||||||||
| 2135280 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.96 DTI below guideline of 45. | |||||||||||||||
| 2135281 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure History reflecting Initial CD was also sent via XXX XXXX. Mail rule applies making the earliest closing date XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 41.97%; guideline allow 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.41%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 778 is above the minimum of 760 | |
| 2135282 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 794 > is above guideline minimum credit score 760. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 9 years. | |||||||||||||||
| 2135283 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 14 YRS time at current residence | |||||||||||||||
| 2135284 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | |||||||||||||||
| 2135285 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | Missing or incomplete documentation related to citizenship/residency | No | Missing or incomplete documentation related to citizenship/residency, application for 3rd borrower XXX is missing citizenship declaration. | XXXX Client provided updated 1003 for 3rd party (per initial condition) with US Citizenship status | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 9 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 65.56% max per guidelines is 80%. | |
| 2135286 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.64 DTI below guideline of 45. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x34 mortgage payment history exceeds guideline of 0x30x12. | |||||||||||||||
| 2037407 | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV at 66% below guideline requirements of 80% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI at 34.03% below guideline requirement of 45% CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 12.8 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 15.8 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 14 years | |||||||||||||||
| 2135287 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 776 > is above guideline minimum credit score 760. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has additional bonus income that is not being used to qualify. | |||||||||||||||
| 2135288 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 11 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 26 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.47% max per guidelines is 45%. | |||||||||||||||
| 2135289 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 34% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 65% | |||||||||||||||
| 2135290 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | Missing Title | No | Missing title | XXXX Client provided Title Property Summary Report and file have quit claim deed with vesting matching Mortgage Deed of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.42%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 56.40%; guidelines allow 90% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 796 is above the minimum of 760 | |
| 2135291 | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 30 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has > 10 years at current job | |||||||||||||||
| 2135292 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 11 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 20 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.44% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.38% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135293 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 8 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 49.27% below guideline requirements 80.00%. | |||||||||||||||
| 2135294 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | VOE in file for B1 is in incorrect company name of XXX but B1 company name is XXX as show on tax returns, P&L's/ balance sheet and business search. | XXXX Client provided LOX stating, employer has alternative name which is reflected on the 1003; Response, missing documentation verifying one of same, in addition dates on 1003 not same as date incorporated on B1. Initial condition remainsXXXX Client provided updated 1003 with correct XXX name of XXX for B1 XXX to match self employment documentation in file, all documentation in file supports name of XXXX and previously 1003 reflected name as XXX. (1003 have been updated) | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 35.34% is 49.66 points below the program guideline maximum 85%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x77 exceeds mortgage history guidelines. | |
| 2135295 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 79.68% max per guidelines is 90%. CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 0x30 last 21 months payment paid on time. | |||||||||||||||
| 2135296 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 16yrs time in profession | |||||||||||||||
| 2135297 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 20 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 55.84% LTV below guideline requirements of 90.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 802 is 142 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.07% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135298 | XXXXXX | OK | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 773 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.66%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 82.53%; guidelines allow 90% | |||||||||||||||
| 2135299 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure History reflecting Initial CD was also sent via XXX XXXX.. Mail rule applies making the earliest closing date XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 744 > is above guideline minimum credit score 720. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x73 exceeds mortgage history guidelines. | |
| 2135300 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 26 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 5 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 46.26% max per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.71% max per guidelines is 45%. | |||||||||||||||
| 2135301 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | |||||||||||||||
| 2135303 | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 19 years at current residence CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history | |||||||||||||||
| 2135304 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.38 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 43.31 is less that the max of 90. | |||||||||||||||
| 2135305 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75 is less that the max of 80. CFCFS1736: Significant time at current residence - Clayton Comments: Owned subject 50 years. | |||||||||||||||
| 2037652 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 | $1,511.00 Zero Tolerance due to decrease in Lender Credit from $1,511.00 to $0.00, without a valid Change in Circumstance (CIC). CIC in file dated XXX did not detail decrease of credit. *Additionally, provided Lender Credit of $334.50 was towards the 10% Tolerance of $334.50. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | XXXX Client provided COC XXX reflecting LTV/CLTV change resulted in Discount point increase and Lender Credit decrease. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers at current residence for 5.8 years. | |
| 2135306 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV68.07% is 6.93 points below the program guideline maximum 75%. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $1,295.31. | |||||||||||||||
| 2135307 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 10yrs time in profession | |||||||||||||||
| 2135308 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 23 years at current residence | |||||||||||||||
| 2135005 | XXXXXX | MA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 18yrs time at current job | |||||||||||||||
| 2135006 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 762 is above the minimum of 760 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 39.50%; guidelines allow 90% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 22.52%; guidelines allow 45% | |||||||||||||||
| 2135007 | XXXXXX | NJ | 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 | Missing Title | No | Missing title. | XXXX Client provided copy of Property Summary Title Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 FICO exceeds guideline of 680. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x99 mortgage payment history exceeds guideline of 0x30x12. | |
| 2135008 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | OH Home Mortgage Information Document is missing in the file. | XXXX Client provided missing OH CSPA Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 34% DTI is 11% below the maximum guideline requirement of 45%. CFCFS1737: LTV below guideline requirements - Clayton Comments: 33% CLTV is 52% below the maximum guideline requirement of 85%. | |
| 2135009 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | XXX report on page 527 reflects an application date of XXXX.Missing Initial LE and Counseling List dated XXXX. | XXXX Client provided missing Initial LE and Homeowners Counseling Organization List dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.61 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 41.66 is less that the max of 90. | |
| 2135010 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 683 FICO exceeds guideline of 660. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x103 mortgage payment history exceeds guideline of 0x30x12. | |
| 2135010 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Texas Home Equity | Waived | B | B | B | B | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | XXXX- Client provided an approved exception for missing T.42 Title Endorsement | XXXX- Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 683 FICO exceeds guideline of 660. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x103 mortgage payment history exceeds guideline of 0x30x12. | |
| 2135011 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.15 DTI below guideline of 45. | |||||||||||||||
| 2037527 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 47% CLTV is 38% below the maximum guideline requirement of 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 credit score exceeds the 660 minimum guideline requirement by 97 points. | |||||||||||||||
| 2037279 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 5 years and 9 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: 26.12% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135012 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 774 > is above guideline minimum credit score 760. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 20 years. | |||||||||||||||
| 2037642 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 78 months exceeds guidelines of 12 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9.5 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 9.75 years CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 16.08 years | |||||||||||||||
| 2135013 | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x68 exceeds mortgage history guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 38.83% is 6.17 points below the program guideline maximum 45%. | |||||||||||||||
| 2135014 | XXXXXX | ME | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 25 years CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 27 years and 1 month CFCFS1737: LTV below guideline requirements - Clayton Comments: 49.93% LTV below guideline requirements of 80.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.52% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135015 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.94%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 705 is above the minimum of 700 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 58.57%, guidelines allow 80% | |||||||||||||||
| 2135016 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 803 FICO exceeds guideline of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 37.04 DTI below guideline of 45. | |||||||||||||||
| 2135017 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 693 is above the minimum of 680 CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 57.04%; guidelines allow 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.68%; guidelines allow 45% | |||||||||||||||
| 2135018 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 14.99% below guideline requirements 75.00%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.02% below guideline requirement 45.00%. | |||||||||||||||
| 2135019 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | RI Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), is missing in the file. | XXXX Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated XXXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | |
| 2135019 | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | RI Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), is missing in the file. | XXXX Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated XXXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10yrs time at current residence | |
| 2135020 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 82.54% max per guidelines is 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.39% max per guidelines is 45%. | |||||||||||||||
| 2135021 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 695 > is above guideline minimum credit score 680. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job, 20 years. | |||||||||||||||
| 2135022 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 6 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 8 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 14 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower FICO score is 781max per guidelines is 760. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 55.66% max per guidelines is 80%. | |||||||||||||||
| 2135023 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV is 48.67% max per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.51% max per guidelines is 45%. | |||||||||||||||
| 2135024 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | |||||||||||||||
| 2135025 | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 25yrs time at current job | |||||||||||||||
| 2135026 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 18% CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57% | |||||||||||||||
| 2135027 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 713 > is above guideline minimum credit score 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x69 exceeds mortgage history guidelines. | |||||||||||||||
| 2135028 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 27.00% LTV below guideline requirements of 85.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 739 is 79 points above program guideline minimum of 660. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months | |||||||||||||||
| 2135029 | XXXXXX | OR | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 6 years. CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30x23 positive mortgage payment history. | |||||||||||||||
| 2135030 | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 684 is above the minimum of 680 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.48%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 72%; guidelines allow 75% | |||||||||||||||
| 2135031 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 78.28% is 6.72 points below the program guideline maximum 85%. | |||||||||||||||
| 2135032 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 674 is above the minimum of 660 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 18.58%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 44.26%; guidelines allow 75% | |||||||||||||||
| 2135033 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 31 yrs time at current job | |||||||||||||||
| 2135035 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | XXXX Client provided Disclosure history reflecting CD sent via XXX on XXXX. Mail rule applies and allows for a 3 day delivery and 3 day wait period, earliest date to close is XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.63 is less than the max of 45. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 66.49 is less that the max of 75. | |
| 2135036 | XXXXXX | ME | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20yrs time at current residence | |||||||||||||||
| 2135037 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 19 years at current job | |||||||||||||||
| 2135038 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 5 years and 1 month CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job; 21 years and 7 months CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.75% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135039 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 753 > is above guideline minimum credit score 720. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 57.03% is 27.97 points below the program guideline maximum 85%. | |||||||||||||||
| 2135040 | XXXXXX | KY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 78.01% is 6.99 points below the program guideline maximum 85%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 9 years. | |||||||||||||||
| 2135041 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 10yrs time at current job | |||||||||||||||
| 2135042 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 31% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 2135043 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 35 yrs time at job | |||||||||||||||
| 2135044 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 39 years and 8 months CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ month | |||||||||||||||
| 2135045 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 13yrs time at current residence | |||||||||||||||
| 2135046 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 29yrs time at current residence | |||||||||||||||
| 2135047 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 752 > is above guideline minimum credit score 720. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 36.12% is 8.88 points below the program guideline maximum 45%. | |||||||||||||||
| 2135048 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 13 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 58.46% below guideline requirements 85.00%. | |||||||||||||||
| 2135049 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | Missing Ack. of receipt of Home Mortgage Information Document. | XXXX Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 11/03. | Condition Satisfied. | (No Data) | Not Applicable | (No Data) | |
| 2135050 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 55.73% LTV below guideline requirements of 80.00% per program. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 715 is 55 points above program guideline minimum of 660. CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.77% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135051 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 62% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years at current residence | |||||||||||||||
| 2135052 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 17yrs time at current residence | |||||||||||||||
| 2135053 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence > 9 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has >15 years at current job | |||||||||||||||
| 2135054 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 42.29 is less than the max of 50. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65.46 is less that the max of 80. | |||||||||||||||
| 2135055 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 34% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers has no late payments on the mortgage history | |||||||||||||||
| 2135056 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 0x30x86 exceeds mortgage history guidelines. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 20 years. | |||||||||||||||
| 2135057 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | (No Data) | |||||||||||||||
| 2135058 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Notary Status is missing | No | Missing pages 20 and 21 of the executed Mortgage. | XXXX Client provided fully executed and all pages of the Security deed including the Sign and Notary pages with Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 57.59% is 22.41 points below the program guideline maximum 80%. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 23 years. | |
| 2135058 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | Mortgage not signed | No | Missing pages 20 and 21 of the executed Mortgage. | XXXX Client provided fully executed and all pages of the Security deed including the Sign and Notary pages with Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 57.59% is 22.41 points below the program guideline maximum 80%. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 23 years. | |
| 2135059 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 19 years and 6 months CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 15 years CFCFS1737: LTV below guideline requirements - Clayton Comments: 37.08% LTV below guideline requirements of 75.00% per program. CFCFS1744: DTI below guideline requirement - Clayton Comments: 30.65% DTI is below guideline requirement of 45.00%. | |||||||||||||||
| 2135060 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | XXXX Client provided missing Acknowledgement of receipt of Home Mortgage Loan Informational Document disclosure dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 35yrs time at current residence | |
| 2135405 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 13yrs time at current job | |||||||||||||||
| 2135406 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 725 is above the minimum of 720 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 49.57%; guidelines allow 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 41.77%; guidelines allow 80% | |||||||||||||||
| 2135407 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 29 years. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Significant total monthly debt reduction by $732.09. | |||||||||||||||
| 2135408 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | Missing or incomplete documentation related to citizenship/residency | No | Co-borrower citizenship/residency was blank on 1003 application. | XXXX Client provided updated 1003 showing B2 US Citizen | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been in current residence for 7 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 11 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 14 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.99% max per guidelines is 85%. | |
| 2135409 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 786 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 49.61%; guidelines allow 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: cltv 66.73%; guidelines allow 85% | |||||||||||||||
| 2135410 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | XXXX Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 69.65% is 10.35 points below the program guideline maximum 80%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 14 years. | |
| 2135411 | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 15yrs time in profession | |||||||||||||||
| 2135412 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 59.58%; guidelines allow 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 47.93%; guidelines allow 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 778 is above the minimum of 760 | |||||||||||||||
| 2135413 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 755 > is above guideline minimum credit score 740. CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV: 71.58% is 13.42 points below the program guideline maximum 85%. | |||||||||||||||
| 2135414 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 62.07%; guidelines allow 85% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 42.28%; guidelines allow 45% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 758 is above the minimum of 720 | |||||||||||||||
| 2135415 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Compliance | State Consumer Protection | Satisfied | B | A | B | A | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | XXXX Client provided missing Acknowledgement of receipt of Home Mortgage Loan disclosure dated XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.83 DTI below guideline of 45. | |
| 2135415 | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | B | A | D | A | D | A | A | A | B | A | Credit | Legal Documents | Satisfied | D | A | D | A | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXX HELOC has been closed to future draws. | XXXX Client provided executed HELOC closure letter, requesting closure on HELOC after payoff receipt | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 FICO exceeds guideline of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: 28.83 DTI below guideline of 45. | |
| 2135416 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 785 is above the minimum of 760 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 44.72%; guidelines allow 45% CFCFS1737: LTV below guideline requirements - Clayton Comments: CLTV 62.93%; guidelines allow 90% | |||||||||||||||