|
Client Name:
|
||||||
|
Client Project Name:
|
GSMBS 2026-CES4
|
|||||
|
Start - End Dates:
|
7/05/2024 - 12/26/2025
|
|||||
|
Deal Loan Count:
|
395
|
|||||
|
Conditions Report 2.0
|
||||||
|
Loans in Report:
|
395
|
|||||
|
Loans with Conditions:
|
115
|
|||||
|
0 - Total Active Conditions
|
||||||
|
232 - Total Satisfied Conditions
|
||||||
|
60 - Credit Review Scope
|
||||||
|
2 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
2 - Category: Application
|
||||||
|
4 - Category: Credit/Mtg History
|
||||||
|
4 - Category: DTI
|
||||||
|
19 - Category: Income/Employment
|
||||||
|
5 - Category: Insurance
|
||||||
|
9 - Category: Legal Documents
|
||||||
|
8 - Category: Terms/Guidelines
|
||||||
|
7 - Category: Title
|
||||||
|
12 - Property Valuations Review Scope
|
||||||
|
8 - Category: Appraisal
|
||||||
|
1 - Category: FEMA
|
||||||
|
3 - Category: Property
|
||||||
|
160 - Compliance Review Scope
|
||||||
|
11 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
6 - Category: Compliance Manual
|
||||||
|
7 - Category: Documentation
|
||||||
|
1 - Category: Federal Higher-Priced
|
||||||
|
5 - Category: RESPA
|
||||||
|
23 - Category: Right of Rescission
|
||||||
|
2 - Category: Section 32
|
||||||
|
12 - Category: State Consumer Protection
|
||||||
|
3 - Category: State High Cost
|
||||||
|
11 - Category: XXX Home Equity
|
||||||
|
79 - Category: TILA/RESPA Integrated Disclosure
|
||||||
|
14 - Total Waived Conditions
|
||||||
|
5 - Credit Review Scope
|
||||||
|
3 - Category: Credit/Mtg History
|
||||||
|
1 - Category: Income/Employment
|
||||||
|
1 - Category: Terms/Guidelines
|
||||||
|
1 - Property Valuations Review Scope
|
||||||
|
1 - Category: Property
|
||||||
|
8 - Compliance Review Scope
|
||||||
|
8 - Category: XXX Home Equity
|
||||||
|
©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and
the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
|
||||||
|
Client Name:
|
|||||||||||||||||||||||||||||||||||||
|
Client Project Name:
|
GSMBS 2026-CES4
|
||||||||||||||||||||||||||||||||||||
|
Start - End Dates:
|
7/05/2024 - 12/26/2025
|
||||||||||||||||||||||||||||||||||||
|
Deal Loan Count:
|
395
|
||||||||||||||||||||||||||||||||||||
|
Conditions Report 2.0
|
|||||||||||||||||||||||||||||||||||||
|
Loans in Report:
|
395
|
||||||||||||||||||||||||||||||||||||
|
Loans with Conditions:
|
115
|
||||||||||||||||||||||||||||||||||||
|
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 DBRS, KBRA, S&P Overall Loan Grade
|
Final DBRS, KBRA, S&P Overall Loan Grade
|
Initial DBRS, KBRA, S&P Credit Loan Grade
|
Final DBRS, KBRA, S&P Credit Loan Grade
|
Initial DBRS, KBRA, S&P Property Valuations Loan Grade
|
Final DBRS, KBRA, S&P Property Valuations Loan Grade
|
Initial DBRS, KBRA, S&P Compliance Loan Grade
|
Final DBRS, KBRA, S&P Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial DBRS, KBRA, S&P Condition Grade
|
Final DBRS, KBRA, S&P Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
Compensating Factors
|
Loan Status
|
|
96B1228D-1D38-4E4E-943F-6C66F079A9ED
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
09/18/2025 Client provided CD 7/21 with COC 7/18 reflecting Lock extension with change in Lender Credit. Condition remains for evidence of receipt a minimum
of 3 days prior to closing. Additional Conditions may apply. 09/26/25 Client provided the e-signed copies of the Initial 7/21 CD and E-consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 14 years, 10 months at current job.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 18 years, 10 months at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 99 months 0x30; 24 months required.
|
Client Complete
|
|
96B1228D-1D38-4E4E-943F-6C66F079A9ED
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD 7/25/2025 is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing.
|
09/18/2025 Client provided CD 7/21 with COC 7/18 reflecting Lock extension with change in Lender Credit. Condition remains for evidence of receipt a minimum
of 3 days prior to closing. Additional Conditions may apply. 09/26/25 Client provided the e-signed copies of the Initial 7/21 CD and E-consents.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 14 years, 10 months at current job.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 18 years, 10 months at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 99 months 0x30; 24 months required.
|
Client Complete
|
|
96B1228D-1D38-4E4E-943F-6C66F079A9ED
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5740
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
No
|
Final CD 07/25/2025 Section: Projected Payments, Field: Estimated Taxes, Insurance & Assessments, Value is $0.00. Condition is pending LOX to borrowers
with corrected PCD to borrower..
|
09/29/25 Client provided a COC and 9/17 corrected PCCD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 14 years, 10 months at current job.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 18 years, 10 months at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 99 months 0x30; 24 months required.
|
Client Complete
|
|
96B1228D-1D38-4E4E-943F-6C66F079A9ED
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5742
|
TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null
|
No
|
Final CD 07/25/2025, Account Escrow section on page 4, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = Null.
Condition is pending LOX to borrowers with corrected PCD to borrower.
|
09/29/25 Client provided a COC and 9/17 corrected PCCD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 14 years, 10 months at current job.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 18 years, 10 months at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 99 months 0x30; 24 months required.
|
Client Complete
|
|
09F767A6-417F-4DBD-8CCB-46A28A72FF0B
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate
ATR/QM status.
|
No
|
Determine status upon review / receipt of missing VA income doc
|
10/26 Client provided the Award letter
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 711
|
Client Complete
|
|
09F767A6-417F-4DBD-8CCB-46A28A72FF0B
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient
credit or refund provided
|
No
|
Zero tolerance in the amount of $207.80 as Discount Points increased on PCD 10/16/2025 without a COC in file. Condition pending receiving a Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.
|
11/07/2025 Client provided PCCD stamped Final. Condition remains. Provide a Final Alta/Settlement Statement or Disbursement ledger reflecting Points and
fees matching the Final CD 11/06. Additional Conditions may apply. 11/11/25 Client provided the Disbursement Instructions and an ALTA. Condition remains. The payoffs on the ALTA do not match the PCCD and the ALTA is not signed or stamped
Final. Provide the signed / stamped Final ALTA matching the PCCD for further testing.11/17/25 Client provided a stamped Final ALTA, however the Points reflect $1,009.80 (0.306%). The PCCD marked Final reflects Points of $679.80 (0.206%).
Lender to provide LOE for back and forth discrepancy of which Points amount the Borrower paid. Subject to re-review. Additional conditions may apply, including refund to Borrower.12/03/25 Client provided a $330 refund check and proof of
shipment.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 711
|
Client Complete
|
|
09F767A6-417F-4DBD-8CCB-46A28A72FF0B
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does
not offer one are selected
|
No
|
Final CD10/10/2025 and PCD 10/16/2025 Neither You declined it or Your lender does not offer one are selected in the Will Not Have an Escrow Account on the
CD Other Disclosures section. Condition is pending LOX with corrected PCD to borrower.
|
11/07/2025 Client provided PCCD 11/6 with corrections. Condition remains for LOE to Borrower. 11/12/25 Client provided the detailed LOE for the
corrections.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 711
|
Client Complete
|
|
09F767A6-417F-4DBD-8CCB-46A28A72FF0B
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5740
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
No
|
Final CD10/10/2025 and PCD 10/16/2025 Projected Payments section the Estimated Taxes, Insurance and Assessments is Null. Condition is pending LOX with
corrected PCD to borrower.
|
11/07/2025 Client provided PCCD 11/6 with corrections. Condition remains for LOE to Borrower. 11/12/25 Client provided the detailed LOE for the
corrections.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 711
|
Client Complete
|
|
09F767A6-417F-4DBD-8CCB-46A28A72FF0B
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5742
|
TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null
|
No
|
Final CD10/10/2025 and PCD 10/16/2025 Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] is Null.
Condition is pending LOX with corrected PCD to borrower.
|
11/07/2025 Client provided PCCD 11/6 with corrections. Condition remains for LOE to Borrower. 11/12/25 Client provided the detailed LOE for the
corrections.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 711
|
Client Complete
|
|
09F767A6-417F-4DBD-8CCB-46A28A72FF0B
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
B1 has VA income per 1003 and 1008 ; provide income document, meeting guidelines, to validated $219 monthly amount. Subject to income recalc and may be
subject to additional conditions upon review.
|
10/26 Client provided Award letter
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 711
|
Client Complete
|
|
8C13CD7D-6200-41C2-8AD2-9F8E39ECCBCF
|
XXXXXX
|
TN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
$87.98 zero tolerance due to added Tax Transfer fee on initial CD 9/25/25 without a valid CoC in file. Condition is pending receiving a valid Change of
Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
11/14/25 Client provided an LOE to borrower indicating a refund check and CD have been enclosed. Condition remains. Provide the missing $87.98 refund check,
PCCD and proof of shipment that includes tracking information.11/14/25 Client provided the LOE, copy of the $87.98 refund check, 11/10 COC, 11/12 PCCD and XXX Certified Mail letter. Condition remains. Tracking shows the package has not
shipped yet. Condition remains for the proof of shipment.11/19/25 Client provided an Email with updated tracking that confirms shipment.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have owned the subject property for 9 years 11 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 7/8/2019.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has been with current employer since 6/16/2015.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 767 is 87 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33.47% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
8C13CD7D-6200-41C2-8AD2-9F8E39ECCBCF
|
XXXXXX
|
TN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does
not offer one are selected
|
No
|
Final CD 10/1/25, section Loan Disclosure Non-Escrow Account - neither of You declined it and/or Your lender does not offer one are selected. Condition is
pending receiving corrected PCD with LOE to borrower.
|
11/14/25 Client provided an LOE to borrower indicating a refund check and CD have been enclosed. Condition remains. Provide the missing PCCD reflecting the
Escrow section corrections.11/14/25 Client provided the LOE and corrected 11/12 PCCD.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have owned the subject property for 9 years 11 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 7/8/2019.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has been with current employer since 6/16/2015.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 767 is 87 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33.47% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
E9469A52-BC6B-46ED-BD52-0310B83FAF45
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
State High Cost
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPSTHC343
|
XXX High-Cost Loan by exceeding point and fee threshold
|
No
|
The loan failed the Points and Fees test. The adjusted charges of $2,803.00 exceed the 5% cap of $2,354.82 based on the total loan amount of $XXX. This
results in a margin of $448.18 over the allowable limit, equating to 5.952% in total charges.
|
11/05/25 Client provided an 11/3 PCCD reducing the Administration Fee by $500 and placing that portion in the Lender-paid column. Condition remains. Provide
the notification to Borrower, make appropriate restitution and proof of delivery that includes tracking information within 90 days of consummation.11/17/25 Client provided another copy of the 11/3 PCCD and 2 copies of the $500 refund check.
Condition remains. Provide the borrower notification and proof of delivery for the refund/PCCD (tracking required).11/18/25 Client provided 2 more copies of the 11/3 PCCD. Condition remains. Provide the borrower notification and proof of
delivery for the refund/PCCD (tracking required).11/24/25 Client provided the borrower notification (LOE). Condition remains. Provide the proof of delivery that includes tracking information.12/03/25 Client provided an Email from the Seller
stating the check was mailed instead of being overnighted. Screenshot provided from their Accounting Dept to the borrower cashed the check on 11/13. Reviewed by internal Sr. Ops Manager and accepted.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence (subject) for 6+ years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV of XX.XX% is below guideline max CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score of 721 exceeds guideline minimum credit score of 680.
|
Client Complete
|
|
93E95143-626B-47D2-BC8D-4DA0B274DA87
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
Subject loan is a 20 Year Fixed CES - no previous 2nd lien per Final 1003; as a stand-alone, ROR H8 is the correct form. Condition is pending receiving a
correct version H8 of NORTCs to all entitled to rescind to re-open rescission, LOX to borrower and a proof of delivery with tracking information.
|
11/14/25 Client provided an LOE, corrected H-8 ROR forms, Tracking and proof of receipt by all parties on XXX with new Expiration at midnight on XXX.
Condition remains for the new rescission period to expire.XXX The new rescission period is now expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 40.67%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX%
|
Client Complete
|
|
A19326A7-E601-4509-A06B-80D59AC97B7F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
N/A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR2043
|
Cannot determine if funding date is after rescission period
|
No
|
Condition triggered due to missing ROR in file.
|
11/19/25 Client provided the fully executed ROR form.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 688 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 15 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 20 Years in Current Profession
|
Client Complete
|
|
A19326A7-E601-4509-A06B-80D59AC97B7F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
N/A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR5345
|
ROR - Missing or Incomplete Right of Rescission form
|
No
|
Missing a copy of fully executed Right of Rescission in file.
|
11/19/25 Client provided the fully executed ROR form.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 688 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 15 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 20 Years in Current Profession
|
Client Complete
|
|
A19326A7-E601-4509-A06B-80D59AC97B7F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days
of consummation.
|
No
|
Ten percent tolerance in amount of $85 due to increase in Recording fee from $150 to $250 on LE 10/7/25 with no valid reasons documented on COC 10/7/25.
Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
11/24/25 Client provided a duplicate copy of the COCs. Condition remains. The 10/7 COC does not explain what "changed" to result in the increased Recording
Fee. Lender to provide additional documentation, from the time of the Change, to validate the increased Recording Fee.12/10/2025 Client provided PCCD 12/8 with cure, copy of cure check, LOE and in transit shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 688 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 15 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 20 Years in Current Profession
|
Client Complete
|
|
A19326A7-E601-4509-A06B-80D59AC97B7F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
N/A
|
D
|
B
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance Effective Date 10/31/25 is greater than the transaction date of XXX
|
11.18.2025 Client provided prior subject HOI policy from 10.31.2024 - 2025
|
Condition satisfied
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 688 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 15 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 20 Years in Current Profession
|
Client Complete
|
|
A19326A7-E601-4509-A06B-80D59AC97B7F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
N/A
|
D
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
Note Not Executed by Borrower # 2
|
11.18.2025 Client provided executed Note for both borrowers, including B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 688 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 15 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 20 Years in Current Profession
|
Client Complete
|
|
A19326A7-E601-4509-A06B-80D59AC97B7F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
N/A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR169
|
Appraisal includes one or more issue(s)
|
No
|
Condition added upon review of AVM 11.12.2025 Client provided AVM dated 9.12.2025 with value of $XXX used for LTV calculation however guidelines also
require exterior inspection. Condition remains for exterior inspection. Guidelines require AVM with exterior inspection (AVM provided, missing exterior inspection)
|
12.8.2025 Client provided copy of Exterior PCI inspection dated 12.3.2025 no potential adverse issues noted in the report.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 688 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 15 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 20 Years in Current Profession
|
Client Complete
|
|
A19326A7-E601-4509-A06B-80D59AC97B7F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
N/A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR1939
|
Appraiser License for Incorrect State
|
No
|
Missing Appraisal or AVM to accurately test
|
11.12.2025 Client provided AVM dated 9.12.2025 with value of $XXX used for LTV calculation
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 688 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 15 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 20 Years in Current Profession
|
Client Complete
|
|
A19326A7-E601-4509-A06B-80D59AC97B7F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
N/A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Missing Appraisal or AVM
|
11.12.2025 Client provided AVM dated 9.12.2025 with value of $XXX used for LTV calculation
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 688 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 15 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 20 Years in Current Profession
|
Client Complete
|
|
A19326A7-E601-4509-A06B-80D59AC97B7F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
N/A
|
D
|
B
|
Property Valuations
|
FEMA
|
Satisfied
|
B
|
A
|
B
|
A
|
PRVAFEMA856
|
Natural Disaster Area, no subsequent inspection (Public)
|
No
|
Missing Appraisal or AVM to accurately test
|
11.12.2025 Client provided AVM dated 9.12.2025
|
Condition satisfied with receipt of AVM dated after last FEMA Year 2023
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 688 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 15 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 20 Years in Current Profession
|
Client Complete
|
|
38717A00-DF7C-41B9-BC54-A7849A76CC17
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate
ATR/QM status.
|
No
|
Determine status upon review / receipt of missing income docs
|
12/1 Client provided income translation supporting the qualifying income
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 781
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 19 years
|
Client Complete
|
|
38717A00-DF7C-41B9-BC54-A7849A76CC17
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Compliance
|
XXX Home Equity
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPXXXHE320
|
XXX Equity - XXX Equity : Missing T.42 Title Endorsement
|
No
|
Provide evidence of T.42 Title Endorsement being issued. Final CD doesn't include a breakdown for Title Endorsement fee and T-64 form/ final Title Report
are missing in file.
|
12/03/25 Client provided the missing XXX Form T-64 showing the Title Endorsements Fee breakdown which includes the T.42.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 781
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 19 years
|
Client Complete
|
|
38717A00-DF7C-41B9-BC54-A7849A76CC17
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Compliance
|
XXX Home Equity
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPXXXHE321
|
XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement
|
No
|
Provide evidence of T.42.1 Title Endorsement being issued. Final CD doesn't include a breakdown for Title Endorsement fee and T-64 form/ final Title Report
are missing in file.
|
12/03/25 Client provided the missing TX Form T-64 showing the Title Endorsements Fee breakdown which includes the T.42.1.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 781
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 19 years
|
Client Complete
|
|
38717A00-DF7C-41B9-BC54-A7849A76CC17
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Compliance
|
XXX Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPXXXHE119
|
XXX Equity - Affidavit of Fair Market Value not signed by lender
|
No
|
Affidavit of Fair Market Value not signed by lender.
|
11/26/2025 Client provided missing Affidavit of Fair Market Value signed by lender.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 781
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 19 years
|
Client Complete
|
|
38717A00-DF7C-41B9-BC54-A7849A76CC17
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Compliance
|
XXX Home Equity
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTXHE114
|
XXX Equity - Missing Notice Concerning Extensions of Credit (12-Day)
|
No
|
Missing Notice Concerning Extensions of Credit.
|
11/26/2025 Client provided missing Notice Concerning Extensions of Credit.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 781
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 19 years
|
Client Complete
|
|
38717A00-DF7C-41B9-BC54-A7849A76CC17
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Foreign income. 2023 and 2024 WVOE earnings have been converted. Provide conversion to US funds for the following: Paystubs page 65-66 combined file, 2025
WVOE page 120, and WVOE page 357. Subject to full income recalc and may be subject to additional conditions upon review.
|
11/26 Client provided Email that translation is on pages 448 and 460; response pages #s do not correspond to our uploaded file. No translation located in
643 page file upload. Please re-submit the translations for review12.1.2025 Client provided income documentation (paystub, etc) along with duplicate in file Oanda Currency Converter however initial condition requested for conversion to US
funds for the paystubs and Written VOE, it appears it was written in red on the income documentation however the conversion to US funds was not provided. 12/1 Client uploaded the translation for income conversion supporting the qualifying
income
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 781
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 19 years
|
Client Complete
|
|
38717A00-DF7C-41B9-BC54-A7849A76CC17
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Application date for subject transaction is 9/XX/25. Appraisal date is 7/XX/25. 1st was refi'd on 9/XX/25 by same Lender as this 2nd. It appears the
appraisal in file is for the 1st refi, not for the subject transaction (2nd refi/cash out).Provide appraisal for subject transaction. May be subject to additional conditions upon review.
|
11/26 Client provided an Email; on review the 1st mortgage 1004 appraisal in the Name of Lender although used for the 1st mortgage transaction is acceptable
for the subject
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 781
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 19 years
|
Client Complete
|
|
3192EFB3-A74D-46E5-B3AD-2268F42C78F9
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate
ATR/QM status.
|
No
|
Income documentation is missing
|
11/13 Client provided the supporting income docs
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.74% DTI is below guideline maximum of 45.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 725 credit score exceed guideline minimum of 680.
CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves of $179,818.72 exceed guideline.
|
Client Complete
|
|
3192EFB3-A74D-46E5-B3AD-2268F42C78F9
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5512
|
TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs
disclosed in the No Escrow section in Loan Disclosures (SFIG 3.0)
|
No
|
Final CD 10/31/25 - non-escrow monthly payment in Projected Payment table is $1486.68, total non-escrows over 1 year in Loan Disclosure section is $10588.08
($10588.08/$1486.68=7.12 months) Incorrect amount for total escrows over 1 year
|
11/14/25 Client provided an LOE and corrected 11/13 PCCD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.74% DTI is below guideline maximum of 45.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 725 credit score exceed guideline minimum of 680.
CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves of $179,818.72 exceed guideline.
|
Client Complete
|
|
3192EFB3-A74D-46E5-B3AD-2268F42C78F9
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Credit/Mtg History
|
Waived
|
C
|
B
|
C
|
B
|
CRDCRMH855
|
Willingness to Repay Not Demonstrated
|
No
|
Borrower had a Pre FC or NOD event XXX, within 7 years
|
11/13 client provided an approved exception to allow the file wiht a NOD in XXX
|
Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.74% DTI is below guideline maximum of 45.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 725 credit score exceed guideline minimum of 680.
CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves of $179,818.72 exceed guideline.
|
Client Complete
|
|
3192EFB3-A74D-46E5-B3AD-2268F42C78F9
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Provide signed 2023 1040 Tax Return and 1065 Tax Return for XXX due to the borrower being XXX in this business for less than five years.
|
11/13 Client provided the 2023 1040/1065 and extension with income WS, supporting qualifying income
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.74% DTI is below guideline maximum of 45.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 725 credit score exceed guideline minimum of 680.
CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Verified cash reserves of $179,818.72 exceed guideline.
|
Client Complete
|
|
85B242F4-C52C-4A75-895B-DDEB3747B7F2
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
11/24/25 Client provided the Lender ABD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 11 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2007.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 702 is 22 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.07% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
85B242F4-C52C-4A75-895B-DDEB3747B7F2
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
State High Cost
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPSTHC343
|
XXX High-Cost Loan by exceeding point and fee threshold
|
No
|
The loan failed the Points and Fees test. The total adjusted charges of $3,127.00 exceed the 5% cap of $2,828.40 based on the total loan amount of $XXX.
This results in a margin of $298.60 over the allowable limit, equating to 5.528% in total charges.
|
12/5/2025 Client provided PCCD 11/24 with lowered Administration fee and copy of the check request. Condition remains. Provide LOE to Borrower for change,
copy of refund check, evidence of delivery via tracking for final testing. Additional Conditions may apply. 12/10/2025 Client provided a duplicate of the PCCD 11/24, email for LOE (consent in file) and a copy of the refund check. Condition
Remains for evidence of delivery via tracking. 12/18/25 Client provided a copy of the refund check endorsed by the borrower for proof of receipt.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 11 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2007.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 702 is 22 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.07% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
85B242F4-C52C-4A75-895B-DDEB3747B7F2
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does
not offer one are selected
|
No
|
Final CD 10/30/2025 The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and neither of You declined it and/or Your lender
does not offer one are selected. Condition is pending LOX with corrected PCD to borrower.
|
12/05/2025 Client provided PCCD 11/24 with correction. Condition remains for LOE to Borrower reflecting change.12/10/2025 Client provided a copy of the LOE
email. Consent in file.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 11 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2007.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 702 is 22 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.07% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
85B242F4-C52C-4A75-895B-DDEB3747B7F2
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5740
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
No
|
Final CD 10/30/2025 Projected Payments section the Estimated Taxes, Insurance and Assessments is $0.00. Condition is pending LOX with corrected PCD to
borrower.
|
12/05/2025 Client provided PCCD with correction. Condition remains for LOE to Borrower reflecting change.12/10/2025 Client provided a copy of the LOE
email. Consent in file.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 11 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2007.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 702 is 22 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.07% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
85B242F4-C52C-4A75-895B-DDEB3747B7F2
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5742
|
TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null
|
No
|
Final CD 10/30/2025 Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] is Null. Condition is
pending LOX with corrected PCD to borrower.
|
12/05/2025 Client provided PCCD with correction. Condition remains for LOE to Borrower reflecting change.12/10/2025 Client provided a copy of the LOE
email. Consent in file.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 11 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2007.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 702 is 22 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.07% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
85B242F4-C52C-4A75-895B-DDEB3747B7F2
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL100
|
Potential title issue
|
No
|
A 3rd party fraud report indicates subject property ownership changed to an LLC on 9/XX/2025. A property report verifying borrower is current owner will be
required.
|
11.24.2025 Client provided copy of a Fraud Report for subject address and appears to reflect the same as of 8.29.2025 reflecting XXX and showing a WRNT
(meaning warranty deed took place on 8.29.2025; condition remains (a). verify owners of XXX as reflected a sale on 8.29.2025 on Fraud Report and (b). Borrower to address this information showing XXX as of 8.29.2025; upon receipt and review,
additional conditions maybe required. 12.5.2025 Client provided an LOX stating the sale was crossed on the fraud report linking the borrower's mailing address to the sale 8.29.2025 to XXX. This is not our borrower or the subject and provided
a copy of a Warranty Deed showing same mailing address of: XXX. Response, condition remains will need a copy of property profile for this address of XXX (borrower mailing address, different from subject address) for further review to be
able to tie reason FRAUD report is pulling XXX on 9.8.2025 showing ownership changed and (b) LOX from borrower regarding this mailing address of XXX vs subject as mailing address. 12/23 Client provided an LOX and property report, along with
DD did an independent GA SOS search of the XXX and found no tie to the Borrower
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 11 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2007.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 702 is 22 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.07% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
2F7A65A5-4BC5-4634-B201-5F3EF2ECE259
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Paystub, page 23 combined file, reflects Child Support deductions.Provide sufficient documentation supporting why this was excluded from DTI calc.May be
subject to additional conditions upon review.
|
11/18 Client provided Court order that support has ended
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 33.22%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 11 years
|
Client Complete
|
|
DC3BD132-ABB7-48A6-AAC9-51560ACE17EF
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR signed on XXX with end of rescission date XXX. Final CD 10/22/25 with disbursement date of XXX. Disbursement date is before end of statutory rescission
period. Per Final ALTA Statement in file, disbursement date is XXX Condition is pending receiving corrected disbursement date PCD with LOE and proof of delivery to borrower
|
12/10/25 Client provided the 11/5 Post (Funding) CD, Tracking and Final ALTA reflecting the Disbursement on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV; max 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 733 qual score; min 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 99mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 25.58% DTI; max 45%.
|
Client Complete
|
|
DC3BD132-ABB7-48A6-AAC9-51560ACE17EF
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
12/10/25 Client provided the missing 10/17 Initial CD with signatures.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV; max 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 733 qual score; min 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 99mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 25.58% DTI; max 45%.
|
Client Complete
|
|
DC3BD132-ABB7-48A6-AAC9-51560ACE17EF
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
File is missing initial CD acknowledged by all title holders min 3 days prior to closing.
|
12/10/25 Client provided the missing 10/17 Initial CD with signatures.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV; max 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 733 qual score; min 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 99mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 25.58% DTI; max 45%.
|
Client Complete
|
|
DC3BD132-ABB7-48A6-AAC9-51560ACE17EF
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days
of consummation.
|
No
|
Ten percent tolerance in amount of $72.30 due to Recording fee increased from $247 on LE 10/8/25 to $344 final CD 10/22/25 with no COC in file. Condition is
pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
12/10/25 Client provided the 11/5 Post (Funding) CD, Tracking and Final ALTA reflecting the lower Recording Fee at funding. Re-testing results in no
violation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV; max 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 733 qual score; min 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 99mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 25.58% DTI; max 45%.
|
Client Complete
|
|
BF4CDF16-4A78-4256-8908-B2CEB5C3588F
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does
not offer one are selected
|
No
|
Final CD 10/31/25 - section Loan Disclosures Non-Escrows - neither of You declined it and/or Your lender does not offer one are selected
|
12/16/25 Client provided a corrected 12/15 PCCD. Condition remains for the LOE to borrower.01/06/26 Client provided the missing LOE and Tracking.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: The borrower's middle credit score is 690, which is points 10 higher than the benchmark score of 680.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last 48 months. This
exceed the guidelines of 24 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: The primary borrower has been employed at their current job for 20 years, which is significantly longer than the typical employment
duration.
|
Client Complete
|
|
BF4CDF16-4A78-4256-8908-B2CEB5C3588F
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5740
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
No
|
Final CD 10/31/25 - Projected Payments Estimated Escrows - monthly amount is missing.
|
12/05/25 Client provided the following Seller comment: this loan does not have impounds - Please advise as to why this would be an issue to show $0. Per
outside counsel, the proper disclosure of the escrows on a jr. lien is to include the Taxes, Assessments and Insurance amounts in Projected Payments as you would on the 1st lien - the amount should not be $0. In escrows would be answered No
and the Year 1 value would be placed in the No Escrows section on page 4. Condition remains for an LOE to borrower with a corrected PCCD.12/16/25 Client provided a corrected 12/15 PCCD. Condition remains for the LOE to borrower.01/06/26
Client provided the missing LOE and Tracking.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: The borrower's middle credit score is 690, which is points 10 higher than the benchmark score of 680.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last 48 months. This
exceed the guidelines of 24 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: The primary borrower has been employed at their current job for 20 years, which is significantly longer than the typical employment
duration.
|
Client Complete
|
|
BF4CDF16-4A78-4256-8908-B2CEB5C3588F
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5742
|
TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null
|
No
|
Final CD 10/31/25 - section Loan Disclosures Non-Escrows - missing amount for Estimated Property Costs over Year 1
|
12/16/25 Client provided a corrected 12/15 PCCD. Condition remains for the LOE to borrower.01/06/26 Client provided the missing LOE and Tracking.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: The borrower's middle credit score is 690, which is points 10 higher than the benchmark score of 680.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last 48 months. This
exceed the guidelines of 24 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: The primary borrower has been employed at their current job for 20 years, which is significantly longer than the typical employment
duration.
|
Client Complete
|
|
BF4CDF16-4A78-4256-8908-B2CEB5C3588F
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
N/A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing Property Condition Inspection
|
12.16.2025 Client provided AVM+PCI inspection dated 11.21.2025 with no potential adverse issues noted in the report with value of $XXX and original AVM in
file is dated 10.3.2025 with value of $XXX(Note date XXX)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: The borrower's middle credit score is 690, which is points 10 higher than the benchmark score of 680.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last 48 months. This
exceed the guidelines of 24 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: The primary borrower has been employed at their current job for 20 years, which is significantly longer than the typical employment
duration.
|
Client Complete
|
|
529D46B0-96D2-48AE-8512-75743BE92D5C
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 has 5 years with current employer, B2 has 14 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV of XX.XX% is below guideline max CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score of 708 exceeds guideline minimum credit score of 680.
|
Client Complete
|
|||||||||||||||
|
7D5BC2F0-73CC-4D7E-A4A9-AA94083C6491
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
#1 Missing property tax for XXX ( LAND)#2 Missing property tax and hazard insurance for XXX(duplex)#3 Missing property tax and hazard insurance for XXX#4
Missing property tax and hazard insurance for XXX and verification whether is subject to mortgage is borrowers responsible for
|
12.8.2025 Client provided evidence of taxes $329.99 for XXX (Land) and provided taxes $380.01; HOI $238.42 fo rXXX, still missing #2 and #4 of initial
condition: #2 Missing property tax and hazard for XXX (duplex) and #4 Missing property tax and hazard insurance for XXX and verification whether is subject to mortgage is borrowers responsible forNote: A Mortgage statement was provided, but
was Blurry, please re-send if belonging to #2 or #4 12.12.2025 Client provided evidence of taxes $392.92 and HOI $214.90 for XXX and dont appear to have a mortgage attached to this property. Condition remains, still missing #2: Missing
property tax and hazard insurance for XXX (duplex) 12.17.2025 Client provided Lender LOX stated, please find attached the tax assessment for XXX. This property is security for the mortgage with XXX Bank, it appears taxes and insurance are
escrowed within the mortgage however due to limited information we have included them in the payment also. Response, no attached documentation was provided and per REO says mortgage does not apply for this property. Condition remains to
support taxes/hoi for XXX (duplex) 12.20.2025 Client provided evidence of monthly taxes of $329.99 (tax bill) for XXX (duplex), still missing copy of HOI policy for duplex (if applicable) and would support free and clear of liens. 12/24
Client provided LOX that there is no Duplex and XXX is land ony; Morgage statement provided and prop report
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 741 is 61 points above minimum program requirement of 680
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 26.23% is lower than max DTI 45%
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 32 years in line of business.
|
Client Complete
|
|
0CBDF7A4-DE7D-4240-BB98-B57222B72184
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing
|
No
|
Initial CD 11/19/2025 was e-signed on 11/21/2025 and there is no evidence in file of when it was delivered to borrower. Product not disclosed at least
three day prior to closing date of XXX
|
12/11/25 Client provided the Initial 11/19 CD Disclosure Tracking Details that confirms borrower Viewed the CD on 11/20.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 767 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 20 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 13 Years in Current Profession
|
Client Complete
|
|
0CBDF7A4-DE7D-4240-BB98-B57222B72184
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD dated 11/19/2025 was e-signed on 11/21/2025 and there is no evidence in file of when it was delivered to borrower. Provide proof borrower had
access to the CD on 11/19/2025.
|
12/11/25 Client provided the Initial 11/19 CD Disclosure Tracking Details that confirms borrower Viewed the CD on 11/20.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 767 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 20 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 13 Years in Current Profession
|
Client Complete
|
|
A4CEF5F3-4F60-4F63-978B-FECB0CF81624
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does
not offer one are selected
|
No
|
Final CD 10/30/25 section Non Escrow Account - neither of You declined it and/or Your lender does not offer one are selected. Condition is pending receiving
corrected PCD with LOE to borrower.
|
11/18/25 Client provided a COC/LOE and corrected 11/17 PCCD.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 44.95%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX%
|
Client Complete
|
|
A4CEF5F3-4F60-4F63-978B-FECB0CF81624
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5740
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
No
|
Final CD 10/30/25 section Projected Payments Estimated Taxes & Insurance - missing the monthly amount. Condition is pending receiving corrected PCD with
LOE to borrower.
|
11/18/25 Client provided a COC/LOE and corrected 11/17 PCCD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 44.95%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX%
|
Client Complete
|
|
A4CEF5F3-4F60-4F63-978B-FECB0CF81624
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5742
|
TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null
|
No
|
Final CD 10/30/25 section Non Escrow Account - missing the amount for Estimated Property Costs over 1 year. Condition is pending receiving corrected PCD
with LOE to borrower.
|
11/18/25 Client provided a COC/LOE and corrected 11/17 PCCD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 44.95%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX%
|
Client Complete
|
|
06A5FD19-1EF5-4BC6-9008-836A430CEAAA
|
XXXXXX
|
AR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 783 is 103 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.59% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|||||||||||||||
|
33F4CD02-71A5-4958-8953-1A23F32E1F00
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in the amount of $312.00 as Appraisal and Credit Report Fees were added to LE 10/16/2025 without a valid COC in file. Condition pending
receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information
|
11/26/2025 Client provided copies of the cure check and LOE. Condition remains. Provide the PCCD with cure and evidence of delivery via tracking.
12/10/2025 Client provided Delivered shipping label. Condition remains for the PCCD reflecting cure. 12/17/25 Client provided the 11/18 PCCD reflecting the cure.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 26.38% DTI is below guideline maximum of 45.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 761 credit score exceed guideline minimum of 680.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower have been on current job for 33 years
|
Client Complete
|
|
33F4CD02-71A5-4958-8953-1A23F32E1F00
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
Initial CD 10/21/2025 was e-signed by Non-Borrowing Spouse; however, there is no prior e-sign consent in file; by regulation, e-signed disclosures must be
treated as not delivered. Provide e-Consent for all titleholders.
|
11/17/25 Client provided the full disclosure tracking detail pages that include the 10/21 E-Consent for the Non-Borrower.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 26.38% DTI is below guideline maximum of 45.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 761 credit score exceed guideline minimum of 680.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower have been on current job for 33 years
|
Client Complete
|
|
D2CB6425-66FA-4E30-8B78-9403FCBC6729
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5741
|
TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null
|
No
|
CD 11/03/2025-1 Section: Loan Disclosures, CD Escrow section, You will have an escrow account is indicated but Initial Escrow Payment Value is Null.
Condition is pending LOX with corrected PCD to borrower.
|
11/24/25 Client provided an 11/24 PCCD. Condition remains. The PCCD indicates Property Taxes and HOA Dues on page 1 as "Not in escrow", however page 4
Escrow Account section indicates "Will Have" an escrow account. Provide a corrected PCCD with LOE to borrower.12/02/25 Client provided a corrected 11/25 PCCD. Condition remains for the LOE to borrower.12/04/25 Client provided the missing LOE.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 794 Guidelines allow 740
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 21 Years in Current Profession
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months
|
Client Complete
|
|
D2CB6425-66FA-4E30-8B78-9403FCBC6729
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Provide 1st mortgage bank statement verifying tax/insurance is escrowed
|
11.25.2025 Client provided copy of 1st lien mortgage statement w/XXX verifying monthly $1,635.83 (including taxes/hoi)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 794 Guidelines allow 740
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 21 Years in Current Profession
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months
|
Client Complete
|
|
51584BB1-59DF-4C4C-9D95-8DA52AE710A7
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; max 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 748 qual score; min 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 55mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 26.29% DTI; max 45%.
|
Client Complete
|
|||||||||||||||
|
ED8D6061-2C53-4CC7-8D76-4CAFCB951D72
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 5 years 6 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 3/2/2015.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 783 is 103 points above the minimum required score of 680.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 85%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 29.49% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|||||||||||||||
|
CA74A609-BF60-4D06-A0AE-510681A8EA2C
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
Loan is 2nd lien closed end with no property liens being paid off at closing. Lender used incorrect H9 ROR form ( extending / increasing credit ) instead of
H8 form. Condition is pending re-opening ROR (on correct H8 form) to all title holders with dates allowing for a delivery, LOE to borrower, PCD and proof of delivery with tracking.
|
11/24/25 Client provided corrected H-8 ROR forms, e-signed by all parties on XXX, with extended Expiration until midnight on XXX. Condition remains for the
new rescission period to expire.XXX Rescission period has expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 712 Guidelines allow 680
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 25 Years in Current Profession
|
Client Complete
|
|
CA74A609-BF60-4D06-A0AE-510681A8EA2C
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR3278
|
Hazard Insurance documentation in file is incomplete
|
No
|
Missing HOI Annual Premium
|
11/18 Client provided ins premium
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 712 Guidelines allow 680
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 25 Years in Current Profession
|
Client Complete
|
|
DF533871-50E5-44FF-AF7D-005DEFD3F00E
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 719 is 39 points above minimum program requirement of 680
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 25 years at current employer.
|
Client Complete
|
|||||||||||||||
|
F1A7E4DA-689F-45DC-9A16-58B8D02471A6
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
Missing Patriot Act
|
12.22.2025 Client provided executed copy of XXX/patriot act
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.99%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 793
|
Client Complete
|
|
64724DD3-905C-4054-BEF2-BF5121CF726E
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
Loan is 2nd lien stand alone loan, paying off a different 2nd lien at closing. 2nd lien didn't originated with the same lender and correct ROR form for this
transaction is H8 form. Incorrect H9 form was used. Condition is pending re-opening rescission with correct H8 ROR form with dates allowing for a delivery, LOE to borrower, PCD and proof of shipping with tracking.
|
12/02/25 Client provided the correct H-8 ROR form, signed XXX with new Expiration midnight of XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 755 credit score exceed guideline minimum of 680
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower have been on current job for 16 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV is below guideline maximum of 85%
|
Client Complete
|
|
64724DD3-905C-4054-BEF2-BF5121CF726E
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient
credit or refund provided
|
No
|
Zero tolerance in amount of $229 due to added Credit Report fee on LE 10/21/25 with no valid reasons documented on COC 10/21/22. Condition is pending
receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
12/02/25 Client provided an 11/25 PCCD with cure, LOE, refund check and shipping label. Tracking shows only the label has been created. Condition remains
for the proof of shipment.12/16/2025 Verified delivery 12/15.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 755 credit score exceed guideline minimum of 680
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower have been on current job for 16 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV is below guideline maximum of 85%
|
Client Complete
|
|
C6B33108-7EFD-4C48-886A-643CBF693985
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
Missing Patriot act
|
12.10.2025 Client provided executed XXX Patriot Act for both borrowers
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 7 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co borrower at current employment 8 years
|
Client Complete
|
|
EE6CF0F2-CEA6-4A56-8557-86F46FAC1BBA
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.32% DTI is below guideline maximum of 45.00%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 758 credit score exceed guideline minimum of 680
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been on current job for 17 years
|
Client Complete
|
|||||||||||||||
|
BE11E4CA-819D-4586-833B-CD994E737956
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD 11/3/25 was issued to non-borrowing spouse. CD is not signed nor evidence found in file of NBS receipt min 3 days prior to closing date. Mailing
rule was applied, disclosure was not received timely.
|
12/09/25 Client provided the 11/3 Initial CD with wet signatures of both B1 and the NBS. Tracking in file shows receipt to same Email address on 11/3.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 734 Guidelines allow 680
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months
CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Post Close Assets are $ 271,488.38 or 58.58 of PITIANo Reserves Required
|
Client Complete
|
|
A4F2D2F3-B0D3-453D-B168-CA4980314029
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1770
|
XXX CSPA; Required Closing Disclosure not provided to borrower
|
No
|
Missing OH disclosure Right Not to Close in file.
|
12/03/25 Client provided the OH Right Not to Close disclosure dated at closing 11/13.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score of 706 exceeds guideline minimum credit score of 680.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 4 years with current employer.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 30.59 is below max guideline DTI of 45.0.
|
Client Complete
|
|
F31FA557-8254-4473-9349-1207CDC87610
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; max 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 715 qual score; min 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 28% DTI; max 45%.
|
Client Complete
|
|||||||||||||||
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
12/02/25 Upon receipt of the COCs and Seller Responses for the Tolerance exceptions, it was discovered via the Mavent that there are missing disclosures.
Per the Mavent, a Revised LE was sent on 10/27 and an Initial CD was sent on 10/30. For further testing, provide the missing 10/27 LE and 10/30 CD.
|
12/04/25 Client provided the missing 10/27 LE, Tracking and the 10/30 COC. Condition remains. Provide the missing 10/30 Initial CD.12/10/25 Client provided
the missing 10/30 Initial CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in the amount of $48.00 as Appraisal Field Review fee was added to CD 10/31/2025 without a valid COC in file. Condition pending receiving a
valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
12/02/25 Client provided a duplicate copy of the 10/30 COC, 10/31 COC and the following Seller comment: Please review the COC reason. This was completed
with a valid reason. The field review was required due to the program type. Condition remains. The 10/30 COC does not provide a valid "change in circumstance" explanation/comment. Provide documentation, from the time of the change, to support
the addition of the $48 Field Review.12/10/25 Client provided a 12/9 PCCD with a $211.60 cure and shipping label (include both cure for Zero tolerance and 10 percent tolerance violations). Condition remains. Provide a copy of the $211.60
refund check, LOE to borrower and proof of shipment (tracking shows only the label has been created).12/17/25 Client provided the refund check and updated Tracking that confirms shipment. Condition remains for the LOE to Borrower.12/18/2025
Client provided missing LOE to Borrower.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days
of consummation.
|
No
|
16310% tolerance in the amount of $163.60 as Recording Fees increased on 10/31/2025 without a valid COC in file. Condition pending receiving a valid Change
of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
12/02/25 Client provided a duplicate copy of the 10/30 COC, 10/31 COC and the following Seller comment: Please review COC for the recoding fee. This should
be sufficient to clear this condition. Condition remains. The 10/31 COC does not provide a valid "change in circumstance" explanation/comment. Provide documentation, from the time of the change, to support the increased Recording fee.12/10/25
Client provided a 12/9 PCCD with a $211.60 cure and shipping label (include both cure for Zero tolerance and 10 percent tolerance violations). Condition remains. Provide a copy of the $211.60 refund check, LOE to borrower and proof of
shipment (tracking shows only the label has been created).12/17/25 Client provided the refund check and updated Tracking that confirms shipment. Condition remains for the LOE to Borrower.12/18/2025 Client provided missing LOE to Borrower.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
CD e-signed by both titleholders; however, there is no prior e-sign consent in file for non-borrower. Provide e-Consent for all titleholders.
|
12/04/25 Client provided the Tracking that confirms the non-borrower E-Consent.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Application
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAPP130
|
Application is incomplete
|
No
|
Provide Final signed 1003. The one in file is not complete. Missing employment start date, XXX, address for REO.
|
12.1.2025 Client provided Lender final 1003 with all requested info being reflected on Final 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Provide 3rd party VOE. The one in file is not dated
|
12.1.2025 Client provided SOS post close dated 12.1.2025 (Note XXX), condition remains for prior to closing SOS for XXX. 12.10.2025 Client provided SOS for
borrower XXX dated 11.4.2025
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Missing signed page for 2024 XXX
|
12.4.2025 Client provided pg 1 of 2024 1120S signed dated business return
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more Self Employed borrowers
|
No
|
Provide YTD profit and loss for XXXAdditional conditions may apply
|
12.4.2025 Client provided YTD 9.30.2025 P/L for business: XXX supporting qualifying income used
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Clayton Comments: XX.XX% CLTV%
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing Income Worksheet
|
Client provided approved exception for missing SE Worksheet
|
Upon further review by Senior UW exception is deemed non material
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2996
|
Missing Trust Documents
|
No
|
Provide Certification of Trust for XXX Revocable Trust
|
12.1.2025 Client provided executed Certification of Trust
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
Missing Patriot Act
|
12.1.2025 Client provided executed Patriot Act (pg 160) of the document provided
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Missing 1008Additions conditions may apply
|
12.1.2025 Client provided lender 1008
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
Provide title
|
12.1.2025 Client provided subject Title Commitment
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 45 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
|
Client Complete
|
|
47258A24-664E-4102-8933-7251B2085FDF
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 732 qualifying score; 680 required.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 74 months reported 0x30; 24 months required.
|
Client Complete
|
|||||||||||||||
|
0226EE6A-C505-4124-BD2A-E0B987AFBD27
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Provide documentation that PITI for 1st mortgage has escrows included
|
12.19.2025 Client provided subject 1st lien mortgage statement supporting having escrows
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers have 58 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX%/XX.XX% LTV/CLTV
|
Client Complete
|
|
7AC46BC7-C606-477B-A9A3-F7F06867F7DA
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
B
|
B
|
B
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
No
|
File contains version H-8 and H-9 Right of Rescission Disclosures. Both are dated Friday XXX with end of rescission on Monday XXX, borrowers were not given
full 3 days of rescission.
|
12/19/25 Client provided new, corrected H-8 ROR forms, signed by all parties on XXX and new rescission period expires midnight on XXX. Condition remains
for the new rescission period to expire.12/22/2025 Rescission Period has expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 704 is 24 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.27% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
7AC46BC7-C606-477B-A9A3-F7F06867F7DA
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
File contains both sets of ROR forms - H8 and H9. Condition is pending a further explanation as to why lender used two different ROR forms signed by
borrowers at closing.
|
12/05/25 Client provided the following Seller comment: This is an internal error in our LOS system - The Closer erroneously failed to fill in the H-9 Notice
box before issuing their docs, the system defaults to sending both H-8 and H-9 form as part of their closing package. Condition remains. Subject is a 2nd lien with no same-lender payoffs, therefore an H-8 form is required. Due to the title
holders receiving both H-8 and H-9, internal guidance requires that rescission be reopened to all title holders with a correct H-8 ROR form, LOE, proof of delivery and extend the Expiration Date at least 3 days after receipt date.12/15/25
Client provided 3 copies each of a new H-9 ROR form, signed by both title holders on XXX with new expiration on XXX. Condition remains. As previously stated, a correct H-8 ROR form is required, not H-9. Reopen rescission to all title holders
using the H-8 ROR form, proof of delivery and extend the Expiration Date at least 3 days after receipt date.12/19/25 Client provided new, corrected H-8 ROR forms, signed by all parties on XXX and new rescission period expires midnight on
12/20. Condition remains for the new rescission period to expire.12/22/2025 Rescission Period has expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 704 is 24 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.27% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
7AC46BC7-C606-477B-A9A3-F7F06867F7DA
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
XXX Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPXXXHE108
|
XXX Equity - Total fees greater than the allowable cap
|
No
|
Adjusted Charges$1,856.37Total Loan Amount$XXXMaximum Charges %2.000%Maximum Charges$1,820.00Charges Margin to Threshold$36.37Total Charges %2.040%CompEase
disclosure in file doesn't include Undiscounted Rate to test Discount Point correctly. Condition is pending receiving a disclosure with Undiscounted rate for further test. Additional conditions may apply.
|
12/02/25 Client provided a screen shot of the Lender Compliance Screen showing Points Bona Fide for State and GSE Only with a snip of the ComplianceEase TX
A6 section. Condition remains. There is no Undiscounted Rate, therefore none of the Points are excluded from the testing. Charges exceed max allowed by $36.37. To cure, within 60 days of discovery or notification from the borrower, pay to the
borrower and co-owner the amount of the overcharge with proof of delivery, OR credit their account with proof of payment.12/15/25 Client provided 3 copies each of a new H-9 ROR form. Condition remains. Charges exceed max allowed by $36.37. To
cure, within 60 days of discovery or notification from the borrower, pay to the borrower and co-owner the amount of the overcharge with proof of delivery, OR credit their account with proof of payment.12/19/25 Client provided new, corrected
H-8 ROR forms. Condition remains. Charges exceed max allowed by $36.37. To cure, within 60 days of discovery or notification from the borrower, pay to the borrower and co-owner the amount of the overcharge with proof of delivery, OR credit
their account with proof of payment.01/06/26 Client provided a screenshot of internal System Points and Fees testing reflecting Par / Undiscounted Rate of 7.500%. Re-testing results in no violation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 704 is 24 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.27% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
7AC46BC7-C606-477B-A9A3-F7F06867F7DA
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
XXX Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPXXXHE846
|
XXX Equity - Closed before later of appl/discl + 12 days
|
No
|
Application date: 10/22/2025, Transaction date XXX. Loan closed before 12 business days of application date.
|
11/26/2025 Client requested review, Docs were received by Borrower on 10/23. Condition remains. Earliest disclosures in file are dated 10/27 with a COC
with a 10/27 change. Provide LE and all Disclosures received by Borrower on 10/23 for review. Additional conditions may apply. 12/02/25 Client provided the missing 10/23 disclosure package, including the TX Notice. Tracking in file.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 704 is 24 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.27% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
7AC46BC7-C606-477B-A9A3-F7F06867F7DA
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2277
|
Note Not Executed
|
No
|
File is missing a copy of the fully executed note.
|
12/05/25 Client provided the executed Note.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 704 is 24 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.27% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
2ADC0BD9-384D-498E-B197-C1415732D7F8
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33.37% DTI is below guideline maximum of 45%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 684 credit score exceed guideline minimum of 680
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV is below guideline maximum of 80%
|
Client Complete
|
|||||||||||||||
|
6919CF91-0B6A-4FBE-88CE-031B3CD3A475
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
Initial CD 11/11/2025 e-signed by both borrowers; however, there is no prior e-sign consent in file for non-borrowing spouse; by regulation, e-signed
disclosures must be treated as not delivered. Provide e-Consent for all titleholders.
|
12/03/25 Client provided the Doc Package Audit Report reflecting the 11/11 E-Consent for the NBS.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 6 years 1 month.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 1/2/2007.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 707 is 27 points above the minimum required score of 680.
|
Client Complete
|
|
63D83E9C-942A-4CDA-A4D2-DF74F09852CA
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV below guideline requirements of 80% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 40.74% DTI below guideline requirement of 45%.
|
Client Complete
|
|||||||||||||||
|
0229CF2D-BAD4-4DBA-B549-A0C6DFD0A066
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
Missing borrower's e-consent
|
12/19/25 Client provided the Disclosure Tracking Summary and the missing Disclosure Tracking Detail pages. Condition remains. The Initial 9/19 LE details
shows docs ordered by Fulfillment on 9/24 with presumed receipt on 9/27, however all other LEs still reflect delivery via e-disclosure only, as well as the Initial 11/20 CD. If E-Consent was not provided, disclosures must be treated as not
delivered.12/30/25 Client provided a new set of Disclosure Tracking Summary and Details pages reflecting the delivery methods as XXXl and Fulfillment Order details.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 7 years 11 months at current residence.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 9 years 6 months at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 781 exceeds guideline minimum of 680
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X30 for 53 months exceeds guideline of 24 months.
|
Client Complete
|
|
0229CF2D-BAD4-4DBA-B549-A0C6DFD0A066
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
Missing borrower's e-consent
|
12/19/25 Client provided the Disclosure Tracking Summary and the missing Disclosure Tracking Detail pages. Condition remains. The Initial 9/19 LE details
shows docs ordered by Fulfillment on 9/24 with presumed receipt on 9/27, however all other LEs still reflect delivery via e-disclosure only, as well as the Initial 11/20 CD. If E-Consent was not provided, disclosures must be treated as not
delivered.12/30/25 Client provided a new set of Disclosure Tracking Summary and Details pages reflecting the delivery methods as XXX and Fulfillment Order details.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 7 years 11 months at current residence.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 9 years 6 months at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 781 exceeds guideline minimum of 680
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X30 for 53 months exceeds guideline of 24 months.
|
Client Complete
|
|
4B2009A0-F585-42B6-83FC-32772BF838A6
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX% below guideline requirements 90.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence > 7 years.
|
Client Complete
|
|||||||||||||||
|
361F81DD-0765-42EC-91F5-B3D916427382
|
XXXXXX
|
ME
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 34%
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 15 years on current job
|
Client Complete
|
|||||||||||||||
|
C902BE8E-378F-43E3-B87B-A8ED51708ABF
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 9 yrs time at current residence
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 23 years time at current job
|
Client Complete
|
|||||||||||||||
|
CC17036D-AD6B-421C-ABAB-E54089F54C82
|
XXXXXX
|
NJ
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS5269: Minimal use of credit
- Clayton Comments: Borrower has 21% revolving credit utilization.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 7 years at current job
|
Client Complete
|
|||||||||||||||
|
39B89A66-A693-48D7-829C-0612AC7C9891
|
XXXXXX
|
MD
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPATRQM2900
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status
determination.
|
No
|
Clayton Determination of Clayton RP (APOR) based on lock date of 8/18/25. Test APR 19.8061% is > 3.5 % from Benchmark Rate 6.40. Benchmark
|
10/06/2025 client aprees that the loan is Rebuttable Presumption.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 670 is above the minimum of 660
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 39.379%; guidelines allow 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTB XX.XX%; guidelines allow 75%
|
Client Complete
|
|
606DE9B1-0ECA-40D9-96C4-EB41AA2427F3
|
XXXXXX
|
PA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 666 is above the minimum of 660
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX%; guidelines allow 75%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 41.802%; guidelines allow 45%
|
Client Complete
|
|||||||||||||||
|
0F852F55-E8AD-4A58-9B6F-A29F2DA0EC66
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied
non-material 2B using the signed CD at closing.
|
09/11/2025 Client provided a XXX for Non-Borrower reflecting sent and Disclosure History reflecting docs sent via XXX on 8/14 with earliest transaction date
XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 24.66 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 85.
|
Client Complete
|
|
5841B849-01E6-406B-AD1D-1A4FB351D396
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL225
|
Missing Rider
|
No
|
Provide Condo Rider.
|
7.31.2025 Client provided PUD Rider however will need further clarification if subject is a PUD or Condo; Exhibit A attached to title has description of A
Condominium project. 8.12.2025 Client provided an updated 1003/1008 unknown reason for updated 1003/1008 and prior condition requested for further clarification if subject is a PUD or Condo; PUD Rider previously provided however Exhibit A
attached to title has description of A Condominium project. Condition remains 9.9.2025 Client provided updated executed Mortgage with Condo Rider
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 80.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Reducing outgo by $920
|
Client Complete
|
|
5841B849-01E6-406B-AD1D-1A4FB351D396
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAPROP132
|
Missing HOA Certificate/Questionnaire
|
No
|
File is missing Condo Questionnaire or Condo Certification.
|
8/1 Client provided an Email; upon review the project is FNMA approved
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 80.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Reducing outgo by $920
|
Client Complete
|
|
E2B5D84D-C4D7-4E01-883D-12717B938C7B
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 732 above guidelines of 720
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 46.30% dti; guidelines allow 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX% guidelines allow 50%
|
Client Complete
|
|||||||||||||||
|
B69CFD8C-50A8-4CC6-A333-4AB47C363B07
|
XXXXXX
|
ME
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX.XX% is XX.XX points below the program guideline maximum 85%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 20 years.
|
Client Complete
|
|||||||||||||||
|
D7C05336-ADEF-40C2-AE61-7F71D374175F
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 36 years time at current residence
|
Client Complete
|
|||||||||||||||
|
832CC595-3507-4454-A7AB-D4BF8B72FF7D
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
(No Data)
|
Client Complete
|
|||||||||||||||
|
C0F975B0-B4DB-4425-A537-E99DD2230B3E
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 734 > is above guideline minimum credit score 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX.XX% is XX.XX points below the program guideline maximum 85%.
|
Client Complete
|
|||||||||||||||
|
3BCDE07E-9EC9-439D-BB57-6F17A1F200E8
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% max per guidelines is 85%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been in current residence for 13 years.
|
Client Complete
|
|||||||||||||||
|
9CC53078-5C22-432D-9F98-694E02D990D8
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 723 credit score exceeds the 700 minimum guideline requirement by 23 points.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 37 months mortgage payment history exceeds the 12 month guideline requirement by 25 months.
|
Client Complete
|
|||||||||||||||
|
9B82D736-0915-4E01-8764-8EDF3CD90662
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 10 years at current job
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence for 8 years.
|
Client Complete
|
|||||||||||||||
|
590FD3F7-989E-4517-A694-3B91D1594704
|
XXXXXX
|
NC
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 85.
CFCFS2854: Significant time in profession
- Clayton Comments: 10 years in profession.
|
Client Complete
|
|||||||||||||||
|
73A93BAD-3AF9-486C-8DF9-8962D6366E57
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 11 years and 10 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 748 is 28 points above program guideline minimum of 720.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.78% DTI is below guideline requirement of 45.00%.
|
Client Complete
|
|||||||||||||||
|
4F9BA5F2-4EB9-44EA-8876-AD3C8B597A52
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Compliance
|
XXX Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPXXXHE320
|
XXX Equity - XXX Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
09/05/2025 Client provided an Approves Exception request for Missing T.42 Title Endorsement.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score of 735 is above the minimum program requirement of 700
CFCFS1744: DTI below guideline requirement
- Clayton Comments: dti 47.713 is below the guidelines minimum of 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv is XX.XX, guidelines allow 80%
|
Client Complete
|
|
4F9BA5F2-4EB9-44EA-8876-AD3C8B597A52
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Compliance
|
XXX Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPXXXHE321
|
XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
09/05/2025 Client provided an Approves Exception request for Missing T.42.1 Title Endorsement.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score of 735 is above the minimum program requirement of 700
CFCFS1744: DTI below guideline requirement
- Clayton Comments: dti 47.713 is below the guidelines minimum of 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv is XX.XX, guidelines allow 80%
|
Client Complete
|
|
7B279223-C091-48FF-A031-D16F229ECA08
|
XXXXXX
|
NE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 75%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 693 credit score exceeds the 660 guideline minimum requirement by 33 points.
|
Client Complete
|
|||||||||||||||
|
ABE6B7A2-D5FA-42E0-88E1-F01B7F6370B1
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been at current residence for 20 yeats
CFCFS2854: Significant time in profession
- Clayton Comments: Primary borrower has been in the same line of work for 30 Years
|
Client Complete
|
|||||||||||||||
|
24DFFC24-3774-4BAC-9E46-8F406BBED545
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 7 years time at current residence
|
Client Complete
|
|||||||||||||||
|
F47DC772-DC60-490E-B0BB-3D5B8752541C
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 13 yrs time at residence
|
Client Complete
|
|||||||||||||||
|
EC8F7404-07E0-41F8-9FB4-4FC46F3F6183
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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: Co-Borrower has been at current job for 6 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% max per guidelines is 75%.
|
Client Complete
|
|||||||||||||||
|
27401E73-9DBD-4C7A-8D5E-9475F241AF3F
|
XXXXXX
|
SC
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 679 credit score exceeds the 660 minimum guideline requirement by 19 points.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 53 months mortgage payment history exceeds the 12 month minimum guideline requirement by 41 months.
|
Client Complete
|
|||||||||||||||
|
BA34F6D5-4C87-4E7C-81E3-0B2446F98451
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
$100.00 Zero Tolerance due to increase in Title Examination fee from $0.00 to $100.00, without a valid Change in Circumstance (CIC). Requires CIC, or
corrected PCCD, copy of refund check, LOX and verification of shipping.
|
10/06/2025 Client provided COC 9/5 reflecting UCC lien on Property report. Title examination fee added to complete curative work to obtain Payoff for UCC
lien..
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.39 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 90
|
Client Complete
|
|
74520D7C-E830-45BE-A29B-F8BB49943052
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $125 for zero tolerance fees.A Title Doc Prep fee was added
to the Final CD dated 08/22/2025.
|
09/11/2025 Client provided a Collaborate comment: Invalid finding. $180.30 cure provided on the CD at the time of closing. Condition remains. The cure on
the final CD was for a 10% tolerance and cure paid to the penny. Zero tolerance of $125.00 is for the Title Doc Prep fee that was added to Final CD, payable to Affiliate with no COC for the change. Provide a valid reason COC for the
addition of the fee on 8/22 or PCCD with cure, copy of cure check, LOE and shipping label. 09/18/2025 Client provided PCCD 9/18 with Principal Reduction, LOE and Loan transaction history transaction reflecting payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 20 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 75.
|
Client Complete
|
|
C876190F-AC25-438E-88E3-9268A586C006
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX.XX% is XX.XX points below the program guideline maximum 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 737 > is above guideline minimum credit score 720.
|
Client Complete
|
|||||||||||||||
|
BCBC5EBF-DEFE-4F13-B4FD-E2FA9DBA634D
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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; 27 years and 2 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 754 is 94 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.76% DTI is below guideline requirement of 45.00%.
|
Client Complete
|
|||||||||||||||
|
8B3E76E7-B3CE-4090-B471-944A9C639714
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 749 is 49 points above program guideline minimum of 700.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.36% DTI is below guideline requirement of 45.00%.
|
Client Complete
|
|||||||||||||||
|
0E70F8A8-CD04-4D4C-B664-76830C9BBF15
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 10 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 744 is 84 points above program guideline minimum of 660.
|
Client Complete
|
|||||||||||||||
|
D067C62A-1BFC-41BB-A9BD-FA4CB6F8C2E9
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 714 is above the minimum of 700
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX%; guidelines allow 80%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 43.850; guidelines allow 45%
|
Client Complete
|
|||||||||||||||
|
39A1960E-7D6C-4717-B09C-BFA8EAFD36B7
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Compliance
|
XXX Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPXXXHE320
|
XXX Equity - XXX Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
9.19.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 721 credit score exceeds the 660 minimum guideline requirement by 61 points.
|
Client Complete
|
|
39A1960E-7D6C-4717-B09C-BFA8EAFD36B7
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Compliance
|
XXX Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPXXXHE321
|
XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
9.19.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 721 credit score exceeds the 660 minimum guideline requirement by 61 points.
|
Client Complete
|
|
99CD68B7-056E-4B2A-917D-205248C4D570
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
XXX CSPA; Home Mortgage Information Document not provided
|
No
|
Missing OH CSPA Home Mortgage Information Document.
|
09/15/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 08/05.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 12 years at current job
|
Client Complete
|
|
74A87E58-640F-43D8-8F8F-10FD7044DBB0
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX%; guidelines allow 80%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 736 is above guidelines minimum of 720
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 49.92%; guidelines allow 50%
|
Client Complete
|
|||||||||||||||
|
CC8FC5FC-C960-418A-87CA-5FE73F6CC809
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 797 > is above guideline minimum credit score 760.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x83 exceeds mortgage history guidelines.
|
Client Complete
|
|||||||||||||||
|
2660D719-AFC8-49FF-AF09-2718D1A50F8F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 36.47; guidelines allow 50%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 764 is above the minimum of 760
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX; guidelines allow 85%
|
Client Complete
|
|||||||||||||||
|
F78C1490-8DC9-4083-A4A1-AADC05CDC589
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 36.67 is less than max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less than max of 85.
|
Client Complete
|
|||||||||||||||
|
645CA2C8-5EAA-4666-ADB1-F52F6B8BC7A5
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 10 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job, 18 years.
|
Client Complete
|
|||||||||||||||
|
A37C05CE-CF93-4FE0-8B7A-307EC99C7699
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence for 13 Years.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same line of work for 13 years.
|
Client Complete
|
|||||||||||||||
|
E4550C0A-FA6A-4055-B51C-969742739E54
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
No W2's in file, End of Year Paystub in file for 2023 2024.
|
9.17.2025 Client provided 2024/2023 w2's for borrower
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 25.98 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 90.
|
Client Complete
|
|
C49AD9EE-BE8F-4636-9334-CB824F48BDD1
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score of 732 is above minimum program requirement of 680
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI is 36.30 is below guidelines of 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv is XX.XX, guidelines allow 85%
|
Client Complete
|
|||||||||||||||
|
21EB0D19-B41F-4E49-BA5B-9CC3BD57C248
|
XXXXXX
|
NE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 75.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 29 years.
|
Client Complete
|
|||||||||||||||
|
458793A5-4DD4-4C3B-99C0-C0AD7F55D208
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 765 is above minimum program requirement of 660.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX.XX%, guidelines allow 90%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 33.628% is below the guideline minimum of 50%.
|
Client Complete
|
|||||||||||||||
|
299E51FE-3D39-4EDC-8CFD-3AEBB4EAE72A
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 7 years and 2 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 773 is 113 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 28.27% DTI is below guideline requirement of 45.00%.
|
Client Complete
|
|||||||||||||||
|
A9B5287B-6524-4958-9A39-6D7120A0D904
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 42.99 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 90.
|
Client Complete
|
|||||||||||||||
|
23262DFD-5CB0-4A88-9D12-FE5EB62F683D
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 10 years time at current job
|
Client Complete
|
|||||||||||||||
|
71A6C215-40BB-4D2A-9054-9DA478DF92E0
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 723 is above the minimum of 720
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX%; guidelines allow 85%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 36.67%; guidelines allow 45%
|
Client Complete
|
|||||||||||||||
|
27673987-883E-46B2-BC1F-E2F0299649F3
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 20 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 775 exceeds guide lines.
|
Client Complete
|
|||||||||||||||
|
F3545942-768C-45A7-B14C-D8FBA876B56B
|
XXXXXX
|
WY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 7 yrs time current residence
|
Client Complete
|
|||||||||||||||
|
0ADBEC90-972D-467A-ABBD-1002E2E83A32
|
XXXXXX
|
UT
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 75.00% per program.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
Client Complete
|
|||||||||||||||
|
D8C55669-E40F-436A-8180-F1F070E4FE82
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score of 782; guidelines allow 660
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Dti 25.84% is below guidelines of 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv is XX.XX%; guidelines allow 90%
|
Client Complete
|
|||||||||||||||
|
19B12944-298C-46E9-8AEE-857C28BBD182
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 23 years and 6 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 5 years
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 38.67% DTI is below guideline requirement of 45.00%.
|
Client Complete
|
|||||||||||||||
|
9C450380-1077-4F2B-A305-861997F0B9B8
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 759 > is above guideline minimum credit score 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX% is XX.XX points below the program guideline maximum 85%.
|
Client Complete
|
|||||||||||||||
|
E50A750F-417D-46C8-9F8F-A25839A29E74
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 33.33 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 85.
|
Client Complete
|
|||||||||||||||
|
4468BFA6-F12A-4664-A705-EC68350491F7
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job, 14 years.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Total monthly debt reduction is $439.
|
Client Complete
|
|||||||||||||||
|
8C29D19C-271B-4CB1-8CEA-FD430855861F
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 712 credit score exceeds the 680 minimum guideline requirement by 32 points.
|
Client Complete
|
|||||||||||||||
|
A2E4C065-17D1-4D59-A282-C8CA0EE0E340
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX.XX% is XX.XX points below the program guideline maximum 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 734 > is above guideline minimum credit score 720.
|
Client Complete
|
|||||||||||||||
|
02FF4EA9-3FC7-4605-A931-2BCFEDA327F0
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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; 8 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 75.00% per program.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 70+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
Client Complete
|
|||||||||||||||
|
8E08C616-06CE-4BC9-B815-913EB21C13E7
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing breakdown of year-to-date gross pay. It appears that overtime pay is lumped in with regular pay in the gross pay total that was averaged out for
qualifying.
|
9.25.2025 Client provided post close dated Written VOE with breakdown of income, income used for qualifying is supported
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 740 FICO exceeds guideline of 700.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 33 years at current job.
|
Client Complete
|
|
DFF0351C-C932-46E1-B225-ABDC526504E4
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL796
|
Missing Title
|
No
|
Unable to locate a title report.
|
10.1.2025 Client provided copy of Title Property Summary Report
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 703 credit score exceeds the 660 minimum guideline requirement by 43 points.
|
Client Complete
|
|
6509C7CE-A673-481D-AC7C-776BC29F917A
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
(No Data)
|
Client Complete
|
|||||||||||||||
|
26F6E631-1842-430E-AD8F-837A23FD6F69
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 5yrs time at current residence
|
Client Complete
|
|||||||||||||||
|
683EA2D7-1A6A-44D3-AEB2-22D7086A6BCD
|
XXXXXX
|
OR
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX%, guidelines allow 80%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 719 is above guidelines of 700
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 42.843%; guidelines allow 45%
|
Client Complete
|
|||||||||||||||
|
B67F91A3-831D-4472-B9E6-BC20CEF8DCBA
|
XXXXXX
|
NC
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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 17 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% max per guidelines is 85%.
|
Client Complete
|
|||||||||||||||
|
FA747219-7048-4BE7-93A9-269979B6DC62
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 23 years and 5 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 768 is 108 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.04% DTI is below guideline requirement of 45.00%.
|
Client Complete
|
|||||||||||||||
|
C189E75E-0339-49A8-966F-A71FDBB8A758
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 723 exceeds guidelines of 700
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 21.46%; guidelines allow 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX%; guidelines allow 85%
|
Client Complete
|
|||||||||||||||
|
EE82229A-0928-44F0-BF00-BC26B974CBCB
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 91 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 33.24% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 28 years
|
Client Complete
|
|||||||||||||||
|
4799F767-C97E-46B5-BBE0-BFA791F0E87A
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Title Examination fee $100 added to initial CD 08/20/25 section B. Fee is subject to zero tolerance. No COC provided listing fee amount or any details as to
why fee was added. No cure provided on final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery.
|
09/29/2025 Client provided COC 8/19 reflecting Borrower provided approval to cure UCC found on property resulting in Examination fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 46 years at current residence
|
Client Complete
|
|
D0B83130-96F9-41D1-A9D5-117E17E914A2
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
XXX CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
09/18/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 8/19.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
(No Data)
|
Client Complete
|
|
15F175C4-90A5-425C-8482-1B280A1D3611
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 10 years at current residence
|
Client Complete
|
|||||||||||||||
|
7E1186F6-CB49-4D58-98EC-2ABCA579269B
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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 6 years.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has been at current job for 10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% max per guidelines is 85%.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 38.54% max per guidelines is 45%.
|
Client Complete
|
|||||||||||||||
|
5FC1E316-F565-491F-80E9-EDB49808E476
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 27.91% guidelines allow 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX%; guidelines allow 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower has 90 months mortgage payment history of 0 X 30
|
Client Complete
|
|||||||||||||||
|
6FCE6E6D-2948-4BC5-A3A0-06BE792E318F
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 32.91 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 80.
|
Client Complete
|
|||||||||||||||
|
2A1775B0-949F-496B-9647-3FFD17503D7D
|
XXXXXX
|
HI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 693 > is above guideline minimum credit score 680.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX.XX% is XX.XX points below the program guideline maximum 75%.
|
Client Complete
|
|||||||||||||||
|
D909AAEA-0453-4D84-AFA1-F754BE847A9B
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
(No Data)
|
Client Complete
|
|||||||||||||||
|
B2F53C39-CC94-4A44-9EF2-5135B1FEC50B
|
XXXXXX
|
KS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX% below guideline requirements 75.00%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been LTV below guideline requirements > 10 years.
|
Client Complete
|
|||||||||||||||
|
69E8475D-B607-48E1-A096-55466366CCF7
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 8 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 714 exceeds guide lines.
|
Client Complete
|
|||||||||||||||
|
A8089E62-FEA4-4227-B9DA-1B082D98F81E
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 11 years on current job
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
|
Client Complete
|
|||||||||||||||
|
053EFE44-40C1-46E1-8043-52348398034B
|
XXXXXX
|
KS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 807 > is above guideline minimum credit score 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX.XX% is XX.XX points below the program guideline maximum 90%.
|
Client Complete
|
|||||||||||||||
|
3F4E6F90-FE5D-4C11-AFFB-7CDDBB8A4FE8
|
XXXXXX
|
NY
|
QM: Rebuttable Presumption (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 26 years.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Total monthly debt reduction is $556.
|
Client Complete
|
|||||||||||||||
|
A3C043FE-3764-47ED-B4B5-6B95B3E76117
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
XXX CSPA; Home Mortgage Information Document not provided
|
No
|
Missing OH CSPA Home Mortgage Information Document.
|
10/02/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 08/18.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 36.79 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 85.
|
Client Complete
|
|
A2FF149D-C742-482C-85A3-300682E5E42F
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 85.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 16+ years.
|
Client Complete
|
|||||||||||||||
|
7C83CE38-685B-47DC-A7CA-5469285DBDD8
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 31 years at current residence
|
Client Complete
|
|||||||||||||||
|
55F50A6F-DA3E-4D94-803F-A11B587CCF7A
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 749 is above the minimum of 720
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX%; guidelines allow 85%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 42.94%; guidelines allow 45%
|
Client Complete
|
|||||||||||||||
|
1B507F4D-CBB7-4ADD-8D21-B9E17DBAAD64
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 8 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 763 exceeds guide lines.
|
Client Complete
|
|||||||||||||||
|
32BB403F-A4EA-4194-B19E-BEDEA061F9C8
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 19 years and 5 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% 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: 29.45% DTI is below guideline requirement of 45.00%.
|
Client Complete
|
|||||||||||||||
|
E6B5D9EB-6AEA-47F5-B95F-5D3D1AF6F8D0
|
XXXXXX
|
WY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 699 > is above guideline minimum credit score 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x38 exceeds mortgage history guidelines.
|
Client Complete
|
|||||||||||||||
|
57E480A8-B0FF-42A3-8187-E69A745C88DE
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX% is XX.XX points below the program guideline maximum 85%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x64 exceeds mortgage history guidelines.
|
Client Complete
|
|||||||||||||||
|
50C613B3-C0CF-4BCE-B27A-3EFBF4216D5F
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 28%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
|
Client Complete
|
|||||||||||||||
|
DBAD411A-7009-4911-BDEE-C03A0A4DCB19
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 11 years on current job
|
Client Complete
|
|||||||||||||||
|
893BDD85-C875-4F02-99FF-F13CB0B64753
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX% is XX.XX points below the program guideline maximum 85%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x54 exceeds mortgage history guidelines.
|
Client Complete
|
|||||||||||||||
|
8B4F99B6-9811-470C-B9DC-898B9F4DB141
|
XXXXXX
|
ME
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 75.00% per program.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 21 years and 8 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 13 years and 1 month
|
Client Complete
|
|||||||||||||||
|
C2BBBD5F-7F33-4E3B-AFB7-94468B7C701C
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% the maximum guideline requirement of 80% CLTV.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 725 exceeds the 700 minimum guideline requirement by 25 points.
|
Client Complete
|
|||||||||||||||
|
A92BBF64-FF5D-47FF-8397-570C943A96B9
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: 15 yrs time in profession
|
Client Complete
|
|||||||||||||||
|
12587C19-7E2F-4099-A4AD-017E230D4D64
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 36.20% below guideline requirement of 50%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 9.25 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 19.17 years
|
Client Complete
|
|||||||||||||||
|
9CA492D0-C060-4CDA-86B4-BAEE1D53A272
|
XXXXXX
|
MD
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 16yrs at current residence
|
Client Complete
|
|||||||||||||||
|
D59B8F02-33B9-4B5B-BC6E-4782A269E286
|
XXXXXX
|
WY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing debt totaling $593. Currently verified consumer debt totaling $778
|
Credit and original 1003s match liabilities. What debt was disclosed that was not accounted for? Reviewed paystubs and no deductions of concern. NO UDMs.
New debt opened from inquiry was reporting on credit $144/mo. Response, 1008 reflect total monthly debts of $1,370 however it appears the debts are $778 ($582 + $144 + 52 = $778), unable to duplicate the additional $593 ($1,370 total on 1008
minus debts of $778 = $593 undisclosed and to be documented where the additional $593.00 in Client DTI of $1.3709.25.2025 Client provided updated 1008 with monthly debts of $778 vs $1,370 with updated DTI of 41.22%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been in current residence for 24 years.
CFCFS1734: 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: LTV XX.XX% max per guidelines is 75%.
|
Client Complete
|
|
92CFDECA-9112-4DE7-998E-4FC4AF93CB60
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 820 is above the minimum of 760
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 23.51%; guidelines allow 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX; guiltiness allow 90%
|
Client Complete
|
|||||||||||||||
|
E7C00AD8-CFFE-4196-9D7A-C5B92304649D
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH3000
|
# of Tradelines Does Not Meet Guideline Requirements
|
No
|
Credit report shows only one open tradeline (XXX) which does not meet the guideline minimum of two open tradelines.
|
9.12.2025 Client provided exception approval for tradelines not meeting guidelines requirement.
|
Exception approved, B Grade
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 692 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31.28 DTI below guideline of 45.
|
Client Complete
|
|
1A1E89E2-2140-4442-BE95-B4221264BC09
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 9 years and 4 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 5 years and 6 months
|
Client Complete
|
|||||||||||||||
|
8F8C1533-43A9-4BC4-9990-6C8272D92BC6
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Appraisal fee increased from final LE 08/14/25 $525 to revised CD 09/09/25 $575. COC form issued 09/04 lists fee amount but does not give any details as to
why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Refund of $50 w/ Proof of Delivery.
|
09/29/2025 Client provided PCCD 9/29 with Principal reduction, LOE and Loan Transaction History reflecting payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX%; guidelines allow 75%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 665 is above guidelines of 660
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 34.88%; guidelines allow 45%
|
Client Complete
|
|
81435103-5AF4-4AED-9A2A-3659AF5CC121
|
XXXXXX
|
OH
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
XXX CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
09/16/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 08/11.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score of 738; guidelines allow 720
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv is XX.XX; guidelines allow 80%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: Dti 49.473; guidelines allow 50%
|
Client Complete
|
|
A129E86C-3E04-458A-9BC0-10A6EE404C17
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: 35yrs time in profession
|
Client Complete
|
|||||||||||||||
|
170ECAF1-E792-4CBA-9C52-D5FC931EA536
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score of 791 is below guidelines of 760
CFCFS1744: DTI below guideline requirement
- Clayton Comments: dti is 46.51 is below the guideline of 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv is XX.XX%; guidelines allow 85%
|
Client Complete
|
|||||||||||||||
|
AADD4C05-113A-4AA1-8DE1-F5BA97AECA14
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
XXX CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
09/24/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 08/22.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 34.67 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 90.
|
Client Complete
|
|
B456E6ED-FE07-4026-86DB-B31C64F86594
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence for 11 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 17 years at current job
|
Client Complete
|
|||||||||||||||
|
B71F80A1-8A7D-490A-8D9B-E3472E5D2E8F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 5 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 795 is 135 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 33.97% DTI is below guideline requirement of 45.00%.
|
Client Complete
|
|||||||||||||||
|
E73C689A-F275-4547-8A48-4F1673D3C888
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 16 years and 7 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 90.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 784 is 124 points above program guideline minimum of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.23% DTI is below guideline requirement of 45.00%.
|
Client Complete
|
|||||||||||||||
|
C6B3F536-04C4-4EE0-8818-C6067D37100B
|
XXXXXX
|
UT
|
Non-QM: Lender documented all ATR UW factors
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
Federal Higher-Priced
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPFDHP2948
|
Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards
|
No
|
Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards-A full interior/exterior appraisal (Form 1004/1073) is needed.
|
10/03/2025. Client provided COC. Loan is not an HPML.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2860: Good credit history
- Clayton Comments: Borrower tradelines exceeds the 12 months requirement credit report requirement
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x20 exceeds mortgage history guidelines.
|
Client Complete
|
|
23BD1B56-A235-48B6-B994-3762B6D7DDF5
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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 XX.XX%; guidelines allow 80%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 41.39%; guidelines allow 45%
|
Client Complete
|
|||||||||||||||
|
FF2B54D6-5D51-431F-933F-12F194601F94
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Initial application was taken 07/29/2025, the Housing Counselors List was not issued until 08/11/2025. Greater than the required 3 days.
|
09/23/2025 Client provided missing Homeowners Counseling Organization List dated 07/29.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 807 > is above guideline minimum credit score 720.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI: 33.33% is 11.67 points below the program guideline maximum 45%.
|
Client Complete
|
|
8491492D-E062-442C-84B6-B1D837CEC654
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
B2 is missing VOE for XXX. Provided VOE for unrelated parttime job of XXX
|
10/03/2025 client provided VVOE for XXX.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX.XX% is XX.XX points below the program guideline maximum 75%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 19 years.
|
Client Complete
|
|
92D23804-DAC0-4CB1-8AE8-63852945EFFE
|
XXXXXX
|
CA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 699 is able the minimum program requirement of 680
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv is XX.XX; guidelines allow 75%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 40.53 is below the guideline minimum of 45%
|
Client Complete
|
|||||||||||||||
|
1999C1DB-A171-4FC1-8F92-1BB2EF1972E4
|
XXXXXX
|
AZ
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 10 years.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0X31 mortgage payment history exceeds guide lines of 24 months.
|
Client Complete
|
|||||||||||||||
|
A7068DAF-AD27-408A-8C1C-10F1ECEA8F40
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 687 is above the minimum of 660
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 40.93; guidelines allow 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX; guidelines allow 75%
|
Client Complete
|
|||||||||||||||
|
93B3DADD-0D59-4DE0-9A08-CA81D36FD56B
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX% is XX.XX points below the program guideline maximum 80%.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 5 years.
|
Client Complete
|
|||||||||||||||
|
9A0908A6-1CD3-414A-B2C3-C48B9EFC2E35
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
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 29.08 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 20 years
|
Client Complete
|
|||||||||||||||
|
B98A6DD7-6309-44D1-82BA-DB511BAAAD38
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 85%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 34.06% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 24 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 12.17 years and 9.83 years from job #2.
|
Client Complete
|
|||||||||||||||
|
A7C22CF1-DA56-4C2D-AC90-5B39896D3B3B
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 12 years on current job
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 11 years in current residence
|
Client Complete
|
|||||||||||||||
|
05FC7397-94A9-43BD-A16B-A1786165113B
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 33.39 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 90.
|
Client Complete
|
|||||||||||||||
|
9912A768-7734-410D-8316-1D605535C5C1
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1739: Positive mortgage payment history
- Clayton Comments: Borrower has 0x30 last 54 months payment paid on time.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% max per guidelines is 75%.
|
Client Complete
|
|||||||||||||||
|
21C4F1AB-41E6-46FF-87E4-D5D0191840F3
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: 11 years time in profession
|
Client Complete
|
|||||||||||||||
|
139706F8-B2B2-4B29-A758-E103DEF63529
|
XXXXXX
|
NY
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 675 FICO exceeds guideline of 660.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 25.32 DTI below guideline of 45.
|
Client Complete
|
|||||||||||||||
|
E8D9D8F7-9D5C-4868-9AC6-A168E6E75880
|
XXXXXX
|
FL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x42 exceeds mortgage history guidelines.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI: 34.30% is 10.70 points below the program guideline maximum 45%.
|
Client Complete
|
|||||||||||||||
|
FAAD691E-3633-4807-932F-F8EAE113233C
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 747 exceeds guide lines.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 20 years.
|
Client Complete
|
|||||||||||||||
|
6BA56254-AFDE-46BD-8E7D-4F9DDA529361
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 18 years and 1 month
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 6 years and 3 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 749 is 89 points above program guideline minimum of 660.
|
Client Complete
|
|||||||||||||||
|
088A987D-54B0-4721-9837-7FEFD7BA8670
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has > 7 years at current job
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 28.35% below guideline requirement 45.00%.
|
Client Complete
|
|||||||||||||||
|
2E20BCB4-D1DE-44DD-8924-3B6E6392764A
|
XXXXXX
|
ME
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score of 777 is above minimums program requirement of 680
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI is 44.24; guidelines allow 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV is XX.XX; guidelines allow 90%
|
Client Complete
|
|||||||||||||||
|
4847771C-256A-4918-8BEF-37492BB9346F
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been at current residence for 11 years
CFCFS2854: Significant time in profession
- Clayton Comments: Primary borrower has been in the same line of work for 28 years
|
Client Complete
|
|||||||||||||||
|
73E8A8D2-BB65-45B4-B665-4D7A51BE8DF5
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero Tolerance Fee of $96.33due to ( Trans Tax fee ) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of
refund check to borrower.
|
10/03/2025 Client provided COC 8/28 reflecting loan amount increase resulting in increase of Discount Points and Transfer Taxes.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 785 > is above guideline minimum credit score 760.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX.XX% is XX.XX points below the program guideline maximum 90%.
|
Client Complete
|
|
B697F282-DE0A-4877-99AA-84A152C732BE
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 5 years and 4 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% 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.
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
|
Client Complete
|
|||||||||||||||
|
11DF00D7-D0EE-44DB-A0DF-F3779DB6F3F3
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 19.93% DTI is below program max allowable of 45%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 13 years and 4 months at current job.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 7 years and 5 months at current residence.
|
Client Complete
|
|||||||||||||||
|
2A82629B-09C9-4DB7-BEDF-9C89CF129B21
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 30%
|
Client Complete
|
|||||||||||||||
|
73E27B14-5789-435C-AFAF-F838F641B641
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 22 years time at current residence
|
Client Complete
|
|||||||||||||||
|
4FCABF1A-823F-425B-BE30-C23B852E4309
|
XXXXXX
|
NE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x68 exceeds mortgage history guidelines.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 753 > is above guideline minimum credit score 720.
|
Client Complete
|
|||||||||||||||
|
093E163F-BF76-4BCB-9108-694EF30473E5
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3268
|
Note in file is incomplete
|
No
|
Note in file is incomplete
|
9.26.2025 Client provided executed copy all 4 pages of subject Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 31%
|
Client Complete
|
|
093E163F-BF76-4BCB-9108-694EF30473E5
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2862
|
Copy of Note in file is incomplete
|
No
|
Missing Note signature page 4
|
9.26.2025 Client provided executed all 4 pages of subject Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 31%
|
Client Complete
|
|
2C427F42-772F-4902-958B-99BDB16133BE
|
XXXXXX
|
NE
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 11 years and 1 month
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 743 is 83 points above program guideline minimum of 660.
|
Client Complete
|
|||||||||||||||
|
4860824D-3F60-4DC2-8023-CBA33908A1E9
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 75.00% per program.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 50 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 9 years and 6 months
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.60% DTI is below guideline requirement of 45.00%.
|
Client Complete
|
|||||||||||||||
|
3C09059F-4BB5-4633-9997-2BB7F86F5038
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 16 years and 8 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 10 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% 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.
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
|
Client Complete
|
|||||||||||||||
|
D768200F-3614-4813-AD35-2421CA22662C
|
XXXXXX
|
KY
|
QM: Rebuttable Presumption (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 720 is above the guidelines of 700
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 28.14; guidelines allow 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX; guidelines allow 80%
|
Client Complete
|
|||||||||||||||
|
1099B0EC-6F8A-4D8D-8305-7B9B55C1EA0E
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 80.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 707 is 47 points above program guideline minimum of 660.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
Client Complete
|
|||||||||||||||
|
E147B6A7-7D3B-4B0B-BF5A-59992AEA78E0
|
XXXXXX
|
WI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has stable employment with 19 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 716 exceeds guide lines.
|
Client Complete
|
|||||||||||||||
|
56058946-D273-4685-82A9-861FB2D82A5E
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 90.00% per program.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 29 years and 2 months
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 781 is 121 points above program guideline minimum of 660.
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
|
Client Complete
|
|||||||||||||||
|
F87D8DCB-7A77-42AC-8173-658E20298DC2
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 733 FICO exceeds guideline of 700.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 42.00 DTI below guideline of 45.
|
Client Complete
|
|||||||||||||||
|
0786421E-8511-45E5-848B-78097E7D595B
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 36.22 is less than the max of 45.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0x30 since loan origination in 9/2021.
|
Client Complete
|
|||||||||||||||
|
DC4C3561-BC1B-40A5-9C8D-D3C060AC7733
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX.XX% is XX.XX points below the program guideline maximum 85%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x44 exceeds mortgage history guidelines.
|
Client Complete
|
|||||||||||||||
|
541F8A30-94B1-45F8-8045-0E83673EA205
|
XXXXXX
|
FL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 5.17 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 11.75 years
|
Client Complete
|
|||||||||||||||
|
FE522591-D2FB-4D96-A21C-12BE8166205C
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
(No Data)
|
Client Complete
|
|||||||||||||||
|
0511498C-37CA-46B3-9001-C4DE1F739BEA
|
XXXXXX
|
LA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been at current residence for 10 Years
CFCFS1739: Positive mortgage payment history
- Clayton Comments: Mortgage Payment history 0 X 30 over 83 months
|
Client Complete
|
|||||||||||||||
|
C1144C8B-DD90-4233-A8D8-5D9E33B5AC00
|
XXXXXX
|
NY
|
QM: Rebuttable Presumption (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX, guidelines allow 75%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score of 665 is above minimum program requirement of 660
CFCFS1744: DTI below guideline requirement
- Clayton Comments: dti i41.40 is below the guideline minimum of 45%
|
Client Complete
|
|||||||||||||||
|
7C12F0B5-76F2-403C-B2AB-66714F3C1405
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 708 is above the minimum of 700
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv is XX.XX; guidelines allow 80%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 40.46; guidelines allow 45%
|
Client Complete
|
|||||||||||||||
|
294FEA00-687C-4920-8239-C30786EAE5B1
|
XXXXXX
|
AL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 20yrs time at current job
|
Client Complete
|
|||||||||||||||
|
50A9D17E-E326-4C39-9445-C0EE26C0AA42
|
XXXXXX
|
IL
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% per program.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.29% DTI is below guideline requirement of 45.00%.
|
Client Complete
|
|||||||||||||||
|
47BEA2C8-0CE8-41E0-A6F8-5DCFF17DD0E8
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 33.59 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 75.
|
Client Complete
|
|||||||||||||||
|
8D0879FE-97DB-4D07-80D9-ABA81CB0D6C1
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 40.24 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 90.
|
Client Complete
|
|||||||||||||||
|
3CA14913-F960-474E-8AAC-81EFA8861A85
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 25 years and 4 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 7 years and 3 months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 75.00% per program.
|
Client Complete
|
|||||||||||||||
|
93568085-C3ED-48D5-8DD7-DABD6395F299
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero Tolerance Fee of $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.
|
10/03/2025 Client provided COC 9/5 reflecting Title Exam fee required to address the PACE lien discovered on the Property Summary Report.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 749 is above the minimum of 700
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX%; guidelines allow 80%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.50%; guidelines allow 45%
|
Client Complete
|
|
D397802A-C31C-4300-8521-70077E75D9DF
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX.XX% is XX.XX points below the program guideline maximum 90%.
CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments: Borrower 2 has additional bonus income that is not being used to qualify.
|
Client Complete
|
|||||||||||||||
|
1370CF73-8409-48D0-9736-A53566E89CD2
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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
|
Client Complete
|
|||||||||||||||
|
A89DFC4F-00E2-4C20-BF29-5CC8F5B2A914
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 85.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 30 years.
|
Client Complete
|
|||||||||||||||
|
786289FA-EA6B-4578-BA3D-3F92F5951FD6
|
XXXXXX
|
CO
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
(No Data)
|
Client Complete
|
|||||||||||||||
|
4C0A19FA-AD0E-4D72-9675-70637C23F811
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: 19 yrs time in the profession
|
Client Complete
|
|||||||||||||||
|
48F6D108-6B41-4E44-89A3-D0EBF0C60377
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
XXX CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
09/23/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 08/22.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 75%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 40.47% 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 47 years
|
Client Complete
|
|
2F2F6A8D-6609-430C-8CE2-66CE90EB967A
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 24%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
|
Client Complete
|
|||||||||||||||
|
43D6D264-A69B-42FE-BE2E-5C32EC76628F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPATRQM2900
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status
determination.
|
No
|
Clayton determination of Non-QM based on that date 7/19/25 with total charges of 5.452 exceeds 5.0. Lender determination of QM SH.
|
09/25/2025 Client provided the fee split document for proper allocation of Affiliate fees. Fees re-tested. QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 795 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 6 years at current job.
|
Client Complete
|
|
43D6D264-A69B-42FE-BE2E-5C32EC76628F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
Section 32
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPS32371
|
Section 32 Loan per Points and Fees Test
|
No
|
Section 32 threshold calculation: Maximum charges $2,831.88; Adjusted charges $3,087.63 ($255.75 difference). Total charges of 5.452% exceeds the fees test
threshold Maximum Charge of 5.00%. Additionally, Missing Fee Split to determine which fees were paid to Affiliate/Other.
|
09/25/2025 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: Fico score 795 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 6 years at current job.
|
Client Complete
|
|
81747286-583A-4C1F-AA0F-C20148828007
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
XXX CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
09/19/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 8/15.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 8 years and 6 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 8 years and 6 months
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: 0x30 for 60+ months
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
Client Complete
|
|
64F8D93E-9EA6-4B90-94BB-1117EAD6BEE7
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 16 years time at current job
|
Client Complete
|
|||||||||||||||
|
E6393C1E-6167-45F8-BCB1-BD4F2A19916E
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at current job for 20 years.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: Borrower has 0x30 last 33 months payment paid on time.
|
Client Complete
|
|||||||||||||||
|
D7BD6CAC-0979-4F2D-86B5-9A4D8FAEEF46
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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: XX.XX% is XX.XX points below the program guideline maximum 90%.
|
Client Complete
|
|||||||||||||||
|
77A79904-9878-41CB-A310-1E784C5F0212
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been at current residence for 15 Years
CFCFS2854: Significant time in profession
- Clayton Comments: Primary Borrower has been in the same line of work for 26 Years
|
Client Complete
|
|||||||||||||||
|
BAED0614-3DE5-4D14-AC71-14B814F35918
|
XXXXXX
|
NJ
|
Non-QM: Lender documented all ATR UW factors
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 20 years at current residence
|
Client Complete
|
|||||||||||||||
|
96AF0BC9-B013-4B70-8784-20137619111E
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 22 years at residence
|
Client Complete
|
|||||||||||||||
|
4302C556-4E19-42D8-9C79-CFB31ED4B7E2
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 784 > is above guideline minimum credit score 760.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 21 years.
|
Client Complete
|
|||||||||||||||
|
4D432C8B-3B89-4A56-92E2-DD7885F7D61C
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 20 years at current residence
|
Client Complete
|
|||||||||||||||
|
A15111F4-73E6-467E-99EA-2685D50CB4FD
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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 14 years at current job.
|
Client Complete
|
|||||||||||||||
|
0119A4C3-FF4E-4818-9B17-AFF37C382DD0
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 75.
CFCFS1736: Significant time at current residence
- Clayton Comments: Owned subject 19+ years.
|
Client Complete
|
|||||||||||||||
|
423C2EFA-5009-489E-A28A-918FE6400846
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: dti 30.46% is below guidelines of 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX% guidelines allow 85%
CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments: Borrower has 0 X 30 for over 204 months
|
Client Complete
|
|||||||||||||||
|
82A380C8-F2A5-4B4B-80BB-C9C4DBF04E3E
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
List of homeowners counseling organizations dated 09/04/2025 was not provided to the borrower within 3 days of the application date of 08/20/2025.
|
10/06/2025 Client provided missing Homeowners Counseling Organization List dated 08/20.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 34.33 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less than the max of 75
|
Client Complete
|
|
F2BE0320-484B-4F67-88B7-B22FCDC583BA
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 10 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
|
Client Complete
|
|||||||||||||||
|
50E71693-E7C6-421C-ABED-E13F493BDF97
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI: 35.11% is 9.89 points below the program guideline maximum 45%.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 20 years.
|
Client Complete
|
|||||||||||||||
|
DB718050-038F-4F72-8200-F88B2124C234
|
XXXXXX
|
NY
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
(No Data)
|
Client Complete
|
|||||||||||||||
|
1DB061AC-B9D4-45B9-9E70-1C70E23E2885
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 31.16 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 90.
|
Client Complete
|
|||||||||||||||
|
C22380E0-93F4-4F8C-AA09-53F66959EE38
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 760 is above the minimum of 720
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 42.98%; guidelines allow 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX; guidelines allow 85%
|
Client Complete
|
|||||||||||||||
|
6C3DD7F9-140D-42F3-8749-7BA4C3EDCBF8
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 35%
|
Client Complete
|
|||||||||||||||
|
2424A1FF-42FB-4FD8-AD10-8B11F297209D
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX% is XX.XX points below the program guideline maximum 80%.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 19 years.
|
Client Complete
|
|||||||||||||||
|
0E0D4A7D-1374-4E2B-B2A0-C9B51D5E39A2
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score 776; minimum per guidelines 760
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 29.06%; maximum 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX%; guidelines allow 85%
|
Client Complete
|
|||||||||||||||
|
39B66688-8AD4-488A-9436-103B34618A12
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 32%
|
Client Complete
|
|||||||||||||||
|
A0FCEF83-8AFD-4B88-A999-4050EDAC3346
|
XXXXXX
|
OK
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: 6 yrs in the same profession
|
Client Complete
|
|||||||||||||||
|
A404C3C3-A9AC-4787-9124-F0A37E3FB2D8
|
XXXXXX
|
ND
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 753 > is above guideline minimum credit score 720.
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession, 10 years.
|
Client Complete
|
|||||||||||||||
|
4E7FE0F6-51F8-4653-9A3F-90FBDB4B18BE
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 16 years at current residence
|
Client Complete
|
|||||||||||||||
|
A75A37F4-04B0-4FFF-9944-E6D21AE25870
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
XXX CSPA; Home Mortgage Information Document not provided
|
No
|
OH CSPA; Home Mortgage Information Document not provided
|
10/06/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 08/07.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 30 years and 5 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 14 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% per program.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 746 is 86 points above program guideline minimum of 660.
|
Client Complete
|
|
1B3DAD9B-8542-4F0E-86D1-6A5F1F84C772
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 27%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
|
Client Complete
|
|||||||||||||||
|
E6FDE400-8A24-4C86-808E-A2B4FFEE2CB5
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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 XX.XX%
|
Client Complete
|
|||||||||||||||
|
D4D121CA-9FBB-4253-B35A-12D94ADF9C7C
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Compliance
|
XXX Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPXXXHE320
|
XXX Equity - XXX Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
12/06/2024 client provided an approved exception for missing T.42 Title Endorsement.
|
Initial and Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 8 years at current residence
|
Client Complete
|
|
D4D121CA-9FBB-4253-B35A-12D94ADF9C7C
|
XXXXXX
|
TX
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Compliance
|
XXX Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPXXXHE321
|
XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
12/06/2024 client provided an approved exception for missing T.42.1 Title Endorsement.
|
Missing T.42.1 Title Endorsement.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 8 years at current residence
|
Client Complete
|
|
5FB4D25F-9799-443F-ABBC-4CF461630532
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 11 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
|
Client Complete
|
|||||||||||||||
|
1695DC7D-C121-4BC9-8D73-4128FA05948B
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
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 Doc Processing Fee was
added to the CD dated 08/14/2025 and was paid to the Affiliate.
|
09/15/2025 Client provided PCCD 9/12 with Principal reduction, LOE and Loan Transaction History reflecting payment applied.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 17 years on current job
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrowers have no late payments on the mortgage history
|
Client Complete
|
|
9CF945FC-E360-42D8-AC3C-4CC3CF12E754
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 31.94% below guideline requirement 45.00%.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX% below guideline requirements 80.00%.
|
Client Complete
|
|||||||||||||||
|
1E584734-28B4-4671-8D6C-F229814F646F
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 738 > is above guideline minimum credit score 720.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV: XX.XX% is XX.XX points below the program guideline maximum 80%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x72 exceeds mortgage history guidelines.
|
Client Complete
|
|||||||||||||||
|
63222AB9-B9D8-4F01-8276-FB668BD33188
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
Missing employment income documentation for all borrower whose income is used to qualify for the loan such as paystub/or WVOE
|
9.29.2025 Client provided YTD 2025 paystub for both borrowers supporting monthly income used for qualifying and initial file having 2024/2023 w2's
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 7yrs time at current residence
|
Client Complete
|
|
5174EF34-B76B-4EC7-90FA-219DB300C2DF
|
XXXXXX
|
PA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: 7 years time in profession
|
Client Complete
|
|||||||||||||||
|
D506BF90-BB17-41D1-A049-BA1A81AE8086
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
(No Data)
|
Client Complete
|
|||||||||||||||
|
341B78EF-DC73-4BBB-A403-507BAB0DF62B
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 28 yrs time at current residence
|
Client Complete
|
|||||||||||||||
|
CE5B3D65-CE9D-4492-A61C-043DF623C60A
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 719 is above the minimum of 700
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 33.03%; guidelines allow 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX%; guidelines allow 80%
|
Client Complete
|
|||||||||||||||
|
13D5838C-5BE5-4FA6-8E2B-BCE7AD216F19
|
XXXXXX
|
NY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 19 years and 3 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 10 years and 2 months
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.
|
Client Complete
|
|||||||||||||||
|
8BE5775B-4D38-4E0D-847E-DA96E3E122B2
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence for 10 Years
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same line of work for 32 Years
|
Client Complete
|
|||||||||||||||
|
21892943-77F9-4AE9-9B6E-92752FA5411E
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 33%
|
Client Complete
|
|||||||||||||||
|
2F1CC902-D04D-41F2-94BA-E467BA599462
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
N/A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAPROP179
|
Condition of Subject Below Average
|
No
|
Property condition fair per exterior property inspection in file.
|
9/10 Client provided a property inspection 7/22/25 showing average condition
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence for 12 Years
CFCFS1739: Positive mortgage payment history
- Clayton Comments: Mortgage Payment history 0 X 30 over 56 months
|
Client Complete
|
|
07B7B0DE-71C8-4C75-9295-ED2EAF32A21D
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has > 8 years at current job
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence for 8 years.
|
Client Complete
|
|||||||||||||||
|
8B2BD113-AB16-49B4-BA75-3AF23CE59325
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 42.92 is less than the max of 50.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 85.
|
Client Complete
|
|||||||||||||||
|
A4062776-3D84-4E93-8F90-022246D6A5CF
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 800 exceeds guide lines.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 6 years at current job.
|
Client Complete
|
|||||||||||||||
|
60173B59-E627-451F-9992-7861B4E280B3
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO 717 > is above guideline minimum credit score 700.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 21 years.
|
Client Complete
|
|||||||||||||||
|
9C72901F-1FDD-463F-9A40-3AB2B47EC0A9
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 9 years at current residence
|
Client Complete
|
|||||||||||||||
|
12BCACC5-0E1E-42D1-87B0-A073007C9F7C
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 21 years time at current residence
|
Client Complete
|
|||||||||||||||
|
A90574C4-62E2-4EAB-9ACD-35F10E68A349
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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: LTV XX.XX% max per guidelines is 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrower FICO score is 751 max per guidelines is 720.
|
Client Complete
|
|||||||||||||||
|
DF326B2B-05C0-4873-9E08-FC2D20A3B19D
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 812 is above the minimum of 760
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 47.62; max 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX; max per guidelines 85%
|
Client Complete
|
|||||||||||||||
|
CE5C41B1-A1A4-49BD-AAFE-4B6D82DB4485
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score of 740 is above the guideline minimum of 700
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 42.63; guidelines allow 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv XX.XX%; guidelines allow 80%
|
Client Complete
|
|||||||||||||||
|
C913C720-29F5-4E1B-91A4-7F29036115FC
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
***10/02/2025 Per review of LE 6/23 received: XXX in file reflect disclosures sent to the Borrower on 6/17. Provide a copy of the LE sent on 6/17 or,
provide clarification/explanation of what disclosures were sent and why no LE was present at that time.
|
10/03/2025 Client provided the Credit package that was sent on 6/17 of which no LE was included.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 36 years at current residence
|
Complete
|
|
C913C720-29F5-4E1B-91A4-7F29036115FC
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3268
|
Note in file is incomplete
|
No
|
Note date XXX missing page 2 of 4.
|
10.1.2025 Client provided executed full complete copy of subject Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 36 years at current residence
|
Complete
|
|
C913C720-29F5-4E1B-91A4-7F29036115FC
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
List of homeowners counseling organizations dated 7/28/25
|
10/02/2025 Client provided missing Homeowners Counseling Organization List dated 06/23.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 36 years at current residence
|
Complete
|
|
C913C720-29F5-4E1B-91A4-7F29036115FC
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
the App Date is 6/17/25 however the first LE in file was issued 7/28/25
|
10/02/2025 Client provided missing LE 6/23.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 36 years at current residence
|
Complete
|
|
C913C720-29F5-4E1B-91A4-7F29036115FC
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2862
|
Copy of Note in file is incomplete
|
No
|
Note date XXX missing page 2 of 4.
|
10.1.2025 Client provided executed full complete copy of subject Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 36 years at current residence
|
Complete
|
|
34D8A17D-1E5F-4A94-B026-E63BA50A5562
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
(No Data)
|
Client Complete
|
|||||||||||||||
|
C785CC4C-BE8F-445A-A179-31022290939E
|
XXXXXX
|
NC
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 14yrs time at current job
|
Client Complete
|
|||||||||||||||
|
E3996371-F11C-45B2-8DD0-C1A533F82BF0
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP117
|
XXX CSPA; Home Mortgage Information Document not provided
|
No
|
Missing OH CSPA Home Mortgage Information Document.
|
10/06/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 7/18.
|
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: XX.XX% LTV below guideline requirements of 85.00% per program.
|
Client Complete
|
|
E3996371-F11C-45B2-8DD0-C1A533F82BF0
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
$100.00 Zero Tolerance due to increase in Title Examination fee from $0.00 to $100.00, without a valid Change in Circumstance (CIC). Requires CIC, or
corrected PCCD, copy of refund check, LOX and verification of shipping.
|
10/06/2025 Client provided a COC 7/25 reflecting the exam fee was required due to addressing the tax lien discovered on the Property Summary Report.
|
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: XX.XX% LTV below guideline requirements of 85.00% per program.
|
Client Complete
|
|
630EB73F-D81E-4E68-954B-2A39B36079C5
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co--borrower has 31 years on current job
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 26%
|
Client Complete
|
|||||||||||||||
|
297EEA07-7735-458D-BCB8-C4EBFCF04C01
|
XXXXXX
|
MN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 24 yrs at time at current residence
|
Client Complete
|
|||||||||||||||
|
1B585F2C-0936-4AB7-A73A-5E75C2C2EC22
|
XXXXXX
|
GA
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS2860: Good credit history
- Clayton Comments: Good credit history; no lates.
|
Client Complete
|
|||||||||||||||
|
E6A25EA3-04BB-4CE3-9454-18AA218E9030
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job; 6 years and 9 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 20 years and 1 month
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% per program.
|
Client Complete
|
|||||||||||||||
|
61360344-4CBC-471D-9F69-EE030742FB6B
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 39.23 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 75.
|
Client Complete
|
|||||||||||||||
|
DFB2EDC2-B4B3-4F70-983E-0D4791FFF868
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 10 years at current residence
|
Client Complete
|
|||||||||||||||
|
B0DE56BB-580A-4FCC-A5F4-A08056786615
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% less than the maximum guideline requirement of 75%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 694 credit score exceeds the 660 minimum guideline requirement by 34 points.
|
Client Complete
|
|||||||||||||||
|
770FCE18-E5B2-4ECF-B295-E17F63E63DDE
|
XXXXXX
|
KS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 11 years at current residence
|
Client Complete
|
|||||||||||||||
|
3D8AAD78-5649-428D-AA0F-A41966182C15
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been living at current residence >6 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 10 years at current job
|
Client Complete
|
|||||||||||||||
|
82FCD2A6-A568-41AC-88D4-15086F7F1271
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: credit score 700 is higher than the minimum of 680
CFCFS1737: LTV below guideline requirements
- Clayton Comments: cltv is XX.XX; guidelines allow 75%
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 30.98; guidelines allow 45%
|
Client Complete
|
|||||||||||||||
|
4748AA59-1FA0-4C40-A232-5DC1F933A9BE
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 25.70 is less than the max of 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 90.
|
Client Complete
|
|||||||||||||||
|
BA406928-02EE-41E7-A1E9-97ACCC2DC188
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less that the max of 85.
CFCFS1739: Positive mortgage payment history
- Clayton Comments: 0x30 since origination in 8/2021.
|
Client Complete
|
|||||||||||||||
|
35BE225D-189C-479E-B927-71E6C87B864C
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 34..01 is less than 45.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV of XX.XX is less than max of 75.
|
Client Complete
|
|||||||||||||||
|
6B09C7C7-F347-4273-8950-F34CDACCE233
|
XXXXXX
|
CT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
|
Client Complete
|
|||||||||||||||
|
7C2E4E58-B6CA-4888-955D-4380CFAAF3A1
|
XXXXXX
|
MI
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence > 19 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX% below guideline requirements 85.00%.
|
Client Complete
|
|||||||||||||||
|
12A35BA4-7065-4725-969F-3BF361359083
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has stable employment with 14 years at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 791 exceeds guide lines.
|
Client Complete
|
|||||||||||||||
|
BFFF5714-A5D6-4215-88DD-EAC859FAB137
|
XXXXXX
|
SC
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 16 years.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 10 years.
|
Client Complete
|
|||||||||||||||
|
48EC482E-DB41-4266-867B-6F9928794250
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0x30x40 exceeds mortgage history guidelines.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence, 26 years.
|
Client Complete
|
|||||||||||||||
|
F5CB9AB4-9FDA-429D-AFAB-6704034B83B7
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Compliance
|
XXX Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPXXXHE320
|
XXX Equity - XXX Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement.
|
9.5.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- Clayton Comments: Borrower has 9% revolving credit utilization.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.28% DTI is below program max allowable of 45%.
|
Client Complete
|
|
F5CB9AB4-9FDA-429D-AFAB-6704034B83B7
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Compliance
|
XXX Home Equity
|
Waived
|
B
|
B
|
B
|
B
|
CMPXXXHE321
|
XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement.
|
9.5.25 client provided an approved exception for missing T.42 Title endorsement
|
Initial and final grade B
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- Clayton Comments: Borrower has 9% revolving credit utilization.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.28% DTI is below program max allowable of 45%.
|
Client Complete
|
|
425D3950-0A87-474F-8B50-FF259CC78377
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV is XX.XX% below the maximum guideline requirement of 75%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 99 months mortgage payment history exceeds the 12month minimum guideline requirement by 87 months.
|
Client Complete
|
|||||||||||||||
|
185400DC-3252-4205-9E37-8FB018EA8185
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 58 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 24.22% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 4.83 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 12 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 21.83 years
|
Client Complete
|
|||||||||||||||
|
4EA28A8E-B28A-4BE5-B948-F979161154FB
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
Documentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPDOC3076
|
Legal document was not executed or is incomplete
|
No
|
Scanned copy of the Note does not reflect date of Note. Top left corner is folded over. Provide full copy of Note.
|
9/15/2025 client provided clean copy of the Note.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 45.91% below guideline requirement of 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 25.75 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 37.25 years
|
Client Complete
|
|
4EA28A8E-B28A-4BE5-B948-F979161154FB
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
C
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Provide the lender's QM determination
|
9/15 Client provided a determination of SH APOR
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 45.91% below guideline requirement of 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 25.75 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 37.25 years
|
Client Complete
|
|
4EA28A8E-B28A-4BE5-B948-F979161154FB
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
C
|
A
|
Credit
|
Application
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAPP131
|
Occupancy status not supported by file documentation
|
No
|
The borrower has executed a Business Purpose Loan Certification and the subject is his primary residence and the proceeds were used for personal reasons,
i.e., consolidation of personal debts,.
|
9/15 Client asked for clarification; Provide an LOX as to why a Business Purpose affidavit was executed. Client provided explanation that a Business Purpose
affidavit was signed in error. Client provided a Cash Out letter signed by the borrower.
|
Condition satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 45.91% below guideline requirement of 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 25.75 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 37.25 years
|
Client Complete
|
|
4EA28A8E-B28A-4BE5-B948-F979161154FB
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Provide the Supplemental Consumer Information Form.
|
9/15 Client provided the form
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 45.91% below guideline requirement of 50%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 25.75 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 37.25 years
|
Client Complete
|
|
4C0E35BD-4648-4EE9-8C52-F79E1E765539
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: The 704 credit score exceeds the 680 minimum guideline requirement by 24 points.
|
Client Complete
|
|||||||||||||||
|
2C1CEE73-D5ED-4DCC-B4A7-FE7157EEFDF1
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
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 XX.XX% max per guidelines is 80%.
|
Client Complete
|
|||||||||||||||
|
3C7162BA-FEBC-496D-947B-5F7814475463
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $2346 for zero tolerance fees.The Discount points increased
from $706 to $3042 and a 2nd Appraisal Fee was added in the amount of $10 on the CD dated 08/21/2025.
|
09/17/2025 Client provided a COC 8/21 reflecting Appraisal value different than estimated, loan type or program changed and Discount points added due to
Lock. Retesting results in a remaining $10.00 due to a 2nd Appraisal Fee was added in the amount of $10 on the CD dated 08/21/2025 with no explanation on the COC for the increase to appraisal. Condition remains. Provide a valid reason COC
for this increase or PCCD with cure, copy of cure check, LOE and evidence of shipment to Borrower.09/23/2025 CLient provided PCCD 9/22 with cure, copy of cure check, LOE and shipping Label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 72 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 30.31% below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 6.33 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 15 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 17.08 years
|
Client Complete
|
|
9B243BB0-82B4-4086-97A2-C19D4194A77C
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% 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 14.75 years
|
Client Complete
|
|||||||||||||||
|
DC55BA5A-49F9-445F-8A59-97EDA130EA50
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does
not offer one are selected
|
No
|
CD's dated 09/03/2025, 09/04/2025 and 09/12/2025- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are
selected
|
09/24/2025 Client provided PCCD 9/22 with corrections and LOE.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 708 credit score exceeds the 660 minimum guideline requirement by 48 points.
|
Client Complete
|
|
DC55BA5A-49F9-445F-8A59-97EDA130EA50
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5740
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
No
|
CD's dated 09/03/2025, 09/04/2025 and 09/12/2025 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.
|
09/24/2025 Client provided PCCD 9/22 with corrections and LOE.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 708 credit score exceeds the 660 minimum guideline requirement by 48 points.
|
Client Complete
|
|
DC55BA5A-49F9-445F-8A59-97EDA130EA50
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5742
|
TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null
|
No
|
CD's dated 09/03/2025, 09/04/2025 and 09/12/2025- Loan Disclosures- Escrow Account - Estimated property costs over 1 year reflects $0.00
|
09/24/2025 Client provided PCCD 9/22 with corrections and LOE.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 708 credit score exceeds the 660 minimum guideline requirement by 48 points.
|
Client Complete
|
|
667A2366-7B84-4676-8609-7B7F8D63DC19
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 688 credit score exceeds the 660 minimum guideline requirement by 28 points.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 80%.
|
Client Complete
|
|||||||||||||||
|
C1669568-F0C7-4CBB-8890-E2AB85B1C1C2
|
XXXXXX
|
VA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 740 credit score exceeds the 680 minimum guideline requirement by 60 points.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 85%.
|
Client Complete
|
|||||||||||||||
|
13D9E8BE-315D-46F2-8CA3-A45D99897DDB
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 85%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 8.92 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 8.5 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 5.5 years
|
Client Complete
|
|||||||||||||||
|
8DD57B50-40F9-42B4-990E-302220FF702D
|
XXXXXX
|
NC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 90%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 49 months exceeds guidelines of 12 months
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI at 27.69% below guideline requirement of 45%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 12.25 years
CFCFS2854: Significant time in profession
- Clayton Comments: Significant time in profession of 25 years
|
Client Complete
|
|||||||||||||||
|
67381B9B-FF95-439A-AB41-AF0D3C397C8C
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Disbursement date of XXX on Final CD is before the right of recession ending period date of XXX
|
09/11/2025 Client provided Disbursement CD XXX reflecting Disbursement Date as XXX Condition remains for Final Settlement Statement verifying dates and
fees. Additional Conditions may apply.09/15/2025 Client provided the Final Settle Statement verifying the fees at disbursement for Final Testing.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% below guideline requirements of 90%
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 30.06 below guideline requirement of 45%
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence of 6.8 years
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 17 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 17.25 years
|
Client Complete
|
|
90F52E26-DBA5-4B86-9022-9EA41FF8DF91
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum guideline requirement of 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 752 credit score exceeds the 700 minimum guideline requirement by 52 points.
|
Client Complete
|
|||||||||||||||
|
4DA2F0D4-7683-4FB7-A821-F1CD1F2494F0
|
XXXXXX
|
GA
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Modification time frames outside of program guidelines
|
12/11/25 Client Exception approved 11/5/25 for not paying off loan modification inside allowable timeframe. Borrower refinanced their previous mortgage in
2021. The previous mortgage was modified in 2020 and a note was issued from HUD in the same amount as the deferred balance. Note did not require regular payments but it was due and payable if the 1st lien was refinanced. Refinanced w/XXX and
somehow the deferred balance was never paid (was on title). Borrower was completely unaware until HUD issued a demand letter in July 2025. Borrower wants to pay balance at closing. A copy of the note/deed from the deferred balance and HUD
letter uploaded. We closed the refinance so let us know if you need anything from the previous transaction.
|
Upon further review by Senior Underwrite, Exception is deemed to ne non-material due CLTV < 50%, 0 x 30 on mortgage > 36 months, > 30 years at
residence. Final grade of B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 715 Guidelines allow 680
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 30 Years at Current Residence
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has history of good credit with 0 Late Payments > 24 Months
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX%
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 > 36 months
|
Client Complete
|
|
B0623310-5950-4DB9-AAD8-89E85A26DD89
|
XXXXXX
|
SD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
Loan is a Closed-End Second which is a stand-alone loan. Incorrect ROR Form H-9 was used with this transaction. Condition is pending receiving a correct
version H-8 of NORTCs to all entitled to rescind to re-open rescission, LOX to borrower and a proof of delivery with tracking information.
|
12/11/25 Client provided corrected copies of H-8 ROR Forms to all title holders. Borrower confirmed receipt via e-signature on XXX and NBS confirmed
receipt via Tracking on XXX with Consent. New Expiration at midnight on XXX. Condition remains for the new rescission period to expire.XXX The new rescission period is now expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; max 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 738 qual score; min 680.
|
Client Complete
|
|
3EB00ECD-89A9-4A01-96C8-ED822AE91753
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
Title commitment has wrong loan amount of $90,500; provide updated title or supplement to reflect loan amount of $60,290.
|
1.2.2026 Client provided updated Title Commitment with proposed amount of insurance of $60,290
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 716 qual score; min 680.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with the same employer for 25 years.
|
Client Complete
|
|
3AFB0E0F-8DE2-490A-A25B-F40531EB032C
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in amount of $229 due to added Credit Report fee on LE 11/5/25 with no valid reasons documented on COC 11/15/25. Condition is pending
receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
12/08/25 Client provided an 11/25 PCCD with cure, $229 refund check, LOE and proof of shipment.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 724 qualifying score
CFCFS2854: Significant time in profession
- Clayton Comments: 15 years same line of work
|
Client Complete
|
|
3AFB0E0F-8DE2-490A-A25B-F40531EB032C
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
Initial CD 11/6/25 is e-signed by non-borrowing spouse but a prior e-consent is missing in file.
|
11/25/25 Client provided the full Tracking details reflecting the 11/6 E-Consent for the Non-borrower.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 724 qualifying score
CFCFS2854: Significant time in profession
- Clayton Comments: 15 years same line of work
|
Client Complete
|
|
3AFB0E0F-8DE2-490A-A25B-F40531EB032C
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Lender used monthly HOA of 565.67 on subject to qualify loan.HOA statement page 367 combined file is: 10/1/25 1697.00 ( / 3 months = 565.67)Provide
sufficient documentation supporting this is a quarterly statement.Subject to DTI recalc and may be subject to additional conditions upon review.
|
12.11.2025 Client provided copy of HOA April 2025 HOA invoice in the amount of $1,697 and file have October 2025 HOA invoice for $1,697 which supports HOA
having a monthly payment of $565.67
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 724 qualifying score
CFCFS2854: Significant time in profession
- Clayton Comments: 15 years same line of work
|
Client Complete
|
|
D7F97888-365D-4357-AED0-81C845989492
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 has 18 years with current employer, B2 has 14 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score of 736 exceeds guideline minimum credit score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI of 31.00 is below guideline max DTI of 45.0.
|
Client Complete
|
|||||||||||||||
|
FB7E75D4-10CB-4E95-B5FB-6BAF8D316DA1
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5740
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
No
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
12/17/25 Client provided a corrected 12/16 PCCD. Condition remains for the LOE to Borrower.01/05/2026 Client provided the LOE.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence 18 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX% below guideline requirements 85.00%.
|
Client Complete
|
|
FB7E75D4-10CB-4E95-B5FB-6BAF8D316DA1
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5741
|
TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null
|
No
|
TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null
|
12/17/25 Client provided a corrected 12/16 PCCD. Condition remains for the LOE to Borrower.01/05/2026 Client provided the LOE.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been at current residence 18 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX% below guideline requirements 85.00%.
|
Client Complete
|
|
404D598C-3F91-46C4-955D-8B0206D58C18
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Low LTV/CLTV/HLTV XX.XX % Guidelines allow 85 %
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 60 Months
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Borrower has significant total monthly debt reduction by paying off $ 26,458.77 in total Consumer debt associated with $ 819 in monthly
payments
|
Client Complete
|
|||||||||||||||
|
16BD61D7-6B32-4C0F-A8FD-443BC7F48BF3
|
XXXXXX
|
OK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV below guideline requirements of 80% per program.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 72 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31.29%DTI below guideline requirement of 45%.
|
Client Complete
|
|||||||||||||||
|
21BD388E-E860-4476-8532-003A79ECCE73
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3268
|
Note in file is incomplete
|
No
|
Note missing pg 2 (not able to obtain Late Charge).
|
12/23 Client provided the complete executed note
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2011.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 8 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.38% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
21BD388E-E860-4476-8532-003A79ECCE73
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3604
|
TRID - Error discovered on Closing Disclosure
|
No
|
12/31/25 Client provided an LOE to borrower and 12/26 PCCD correcting the Estimated Taxes, Insurance & Assessments section on page 1, and correcting the
Non-Escrow sections on page 4. This exception triggered due to the $805.10 "Estimated Escrow" amount that was incorrectly added to Band 1 in the Projected Payments payment calculation section. That amount should have remained $0.00. Provide
an LOE to borrower and corrected PCCD.
|
01/08/26 Client provided a corrected PCCD and LOE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2011.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 8 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.38% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
21BD388E-E860-4476-8532-003A79ECCE73
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does
not offer one are selected
|
No
|
Final CD 12/4/25, in Loan Disclosures section, selection not indicated whether an Escrow Acct was declined vs. not offered; Corrected PCD & LOX missing
in file.
|
12/31/25 Client provided an LOE to borrower and corrected 12/26 PCCD.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2011.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 8 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.38% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
21BD388E-E860-4476-8532-003A79ECCE73
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5740
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
No
|
Final CD 12/4/25, section Projected Payments Estimated Escrows - missing monthly estimated escrow amount and what is not included in escrows. Condition is
pending receiving corrected PCD with LOE to borrower.
|
12/31/25 Client provided an LOE to borrower and corrected 12/26 PCCD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2011.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 8 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.38% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
21BD388E-E860-4476-8532-003A79ECCE73
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5742
|
TRID - CD: In the CD Escrow section, You will not have an escrow account is indicated, but [Estimated Property Costs over Year 1] = $0 or Null
|
No
|
Final CD 12/4/25, in Loan Disclosures section, Non-Escrow Account - missing the amount for Estimated Property Cost over 1 year. Condition is pending
receiving corrected PCD with LOE to borrower.
|
12/31/25 Client provided an LOE to borrower and corrected 12/26 PCCD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2011.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 8 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.38% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
21BD388E-E860-4476-8532-003A79ECCE73
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL136
|
Missing copy of 1st lien Note (subject is 2nd lien)
|
No
|
File is missing a copy of the 1st mortgage statement verifying PITI payment of $1,208.
|
1.5.2026 Client provided copy of 1st mortgage statement verifying PITI payment of $1,208
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2011.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 8 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.38% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
21BD388E-E860-4476-8532-003A79ECCE73
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2862
|
Copy of Note in file is incomplete
|
No
|
Note is missing page 2.
|
12/23 Client provided the complete executed note
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 2/27/2011.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 8 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.38% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
E2C26873-5AA7-4953-BAF5-CBA51C05FFBD
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been in the same residence for 8 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; max 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 718 qual score; min 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 41.08% DTI; max 45%.
|
Client Complete
|
|||||||||||||||
|
4D02B17C-0F39-4648-95F9-9D4FB0CBB495
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC806
|
Notary Status is missing
|
No
|
Notary/Acknowledgement date on the mortgage is incomplete. Day of the month was not completed by the notary.
|
12/31/25 Client provided the recorded, corrected Mortgage reflecting the added Notary Date.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have owned the subject property for 19 years 10 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 5/15/1990.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
|
Client Complete
|
|
4D02B17C-0F39-4648-95F9-9D4FB0CBB495
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL136
|
Missing copy of 1st lien Note (subject is 2nd lien)
|
No
|
File is missing a copy of the 1st mortgage statement or note verifying P&I payment of $1,492.61.
|
12.21.2025 Client provided copy of 1st mortgage payment terms verifying PI of $1,492.61
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have owned the subject property for 19 years 10 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 5/15/1990.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
|
Client Complete
|
|
4D02B17C-0F39-4648-95F9-9D4FB0CBB495
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR101
|
Appraisal incomplete (missing map, layout, pages, etc)
|
No
|
File is missing a property condition inspection.
|
12.21.2025 Client provided duplicate (in file) AVM with value of $XXX on 11.5.2025 however initial condition is for missing PCI (property condition
inspection). Condition remains for PCI 1.5.2026 Client provided exterior Property Condition Inspection report dated 1.2.2026 with no potential risks noted
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have owned the subject property for 19 years 10 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 5/15/1990.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV is XX.XX% below the maximum allowable CLTV of 80%.
|
Client Complete
|
|
A5AB2CC2-E085-4617-B909-A790385AE414
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; 80% max allowed.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 736 qualifying score; 680 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 22.25% DTI; 45% max allowed.
|
Client Complete
|
|||||||||||||||
|
68608EB4-7375-41E1-B9AF-677242601FDF
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score of 790 exceeds guideline minimum credit score of 680.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV of XX.XX% is below guideline max CTLV of 90%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Credit report shows zero derogatory mortgage events since account opening 3/2021.
|
Client Complete
|
|||||||||||||||
|
7E11102B-ACA5-42AD-994C-157DE96498F1
|
XXXXXX
|
MD
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Missing YTD P&L for borrower's businesses to validate consistency and stability in income due to declining from 2023 to 2024 and the timing of loan from
business return filings.
|
1/6 Client provided an LOX; On review by Clayton SR UW; Borrower is K1 from 2 sources with a large decline in K1 income from one source while income
increased from 2nd K1 ; DTI is 27.8, stable employment
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; max 85%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 67mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: $611,184.90 reserves verified; $0 reserves required.
|
Client Complete
|
|
E0850F30-E62A-40D0-84E7-B6841344A824
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
Initial disclosures including LE 11/4/25 were emailed to both borrowers but only one prior e-consent was found in file.
|
12/24/2025 Client provided accepted ocnsent for e-delivery for Borrower (Co-Borrower in file page 164) both dated 11/08.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 5 years at current home
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 8 years at current job
|
Client Complete
|
|
9DA30408-E97B-487D-83D9-18BE6EFBA2A3
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 760 score with 740 min
CFCFS2854: Significant time in profession
- Clayton Comments: Both Borrowers have 10 + years n profession
|
Client Complete
|
|||||||||||||||
|
C296FF49-EA66-4968-8B85-8032F625EE8D
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 27.72% slightly lower due to using higher income than lender
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: CLTV XX.XX%
|
Client Complete
|
|||||||||||||||
|
265B5C2D-5FF6-42C7-87B0-6FB914BC897F
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Fico score 718 exceeds guide lines.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has stable employment with 6 years at current job.
|
Client Complete
|
|||||||||||||||
|
1679AAFB-0994-4871-B7F4-F9467D1090F1
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 788 Guidelines allow 680
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 15 Years in Current Profession
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has Good credit history with 0 Late Payments > 24 Months
|
Client Complete
|
|||||||||||||||
|
C1CCC3B0-E5DA-4863-A4DD-D5D3762FB41F
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 763 qualifying score; 680 required.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 69 months 0x30; 24 months 0x30 required.
CFCFS1736: Significant time at current residence
- Clayton Comments: 6 years, 11 months at current residence.
|
Client Complete
|
|||||||||||||||
|
1DB79FD7-8450-4B7A-80AE-34163F45E151
|
XXXXXX
|
KS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 25 Years in Current Profession
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 > 60 Months
|
Client Complete
|
|||||||||||||||
|
23ACE2A5-264E-49F7-AEFA-52989A99E857
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 13.52%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 814
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 13 years
|
Client Complete
|
|||||||||||||||
|
BD098C66-C40B-4655-818E-9F3DECD0FE2E
|
XXXXXX
|
KS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate
ATR/QM status.
|
No
|
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.Missing VOE dated within 10 business days prior to Note date
|
5.12.2025 Client provided Written VOE dated 4.16.2025
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers have 0x30 on current and previous mortgages.
|
Client Complete
|
|
BD098C66-C40B-4655-818E-9F3DECD0FE2E
|
XXXXXX
|
KS
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
N/A
|
N/A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing VOE dated within 10 business days prior to Note date
|
5.12.2025 Client provided Written VOE dated 4.16.2025
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers have 0x30 on current and previous mortgages.
|
Client Complete
|
|
2C185F49-5518-4679-AD37-CC9D34510DC2
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers have 32 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV
|
Client Complete
|
|||||||||||||||
|
91633D1E-2D70-4AF2-B7EB-33021CA5AB00
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 39.90%
CFCFS2860: Good credit history
- Clayton Comments: Qualifying credit score 708
|
Client Complete
|
|||||||||||||||
|
CFBD1D6F-005B-48F9-8540-19CE67DE95F9
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 35.89%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 11 years
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX%
|
Client Complete
|
|||||||||||||||
|
34CBE7D8-6864-430F-A756-C48E0B6B8705
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
The file is missing a Flood cert
|
11.12.2024 Client provided Flood Certification Document, Flood Zone D
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-borrower has 20 years on current job
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have 18 years in current residence
|
Client Complete
|
|
BD7A10E1-EE87-4923-8441-AA58B2921410
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 7/6/2006.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX%/XX.XX% LTV/CLTV. Max is 80%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 728 is 48 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 39.73% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|||||||||||||||
|
8CDB7356-498A-4689-B12C-67D8FBF46914
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in amount of $500 due to increase in Appraisal fee on LE 6/3/25 with no COC in file. Condition is pending receiving a valid Change of
Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
07/07/2025 Client provided COC 6/3 reflecting that AVM was able to be used do to not meeting confidence requirements and Desktop appraisal required.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 18 years.
|
Client Complete
|
|
8CDB7356-498A-4689-B12C-67D8FBF46914
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
CD dated 6/9/2025 is e-signed by non-borrowing spouse without a prior e-consent in file.
|
07/03/25 Client provided the non-borrower E-consent.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 18 years.
|
Client Complete
|
|
51BCC2A8-5313-4014-B498-BC03A6CCF290
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 737 qual score; min 680.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with the same employer for 10 years.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 38.99% DTI; max 45%.
|
Client Complete
|
|||||||||||||||
|
A5114860-CE2F-4AF5-9E5F-1FC2BA80ED97
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in amount of $50 due to increased Appraisal fee from $650 to $700 on LE 1/29/25 with no valid COC in file to support it. Condition is pending
receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
02/25/2025 Client provided Collaborate Comment: Document Uploaded for review. Per seller. Appraisal fee was paid before closing. Please see invoice. Invoice
reflects payment on 1/19. Condition remains. Fee was added on LE 1/29 with no valid reason given for the increase and not timely. Borrower is due a refund, Provide PCCD with cure, copy of cure check, LOE to Borrower and evidence of
delivery via tracking. 02/28/2025 Client provided PCCD 2/27 with cure and LOE. Condition remains for copy of the refund check and evidence of delivery via tracking. 03/03/2025 Client sent the copy of the check and an in Transit shipping
label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 5/1/2014.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 761 is 21 points above the minimum required score of 740.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 38.28% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|
A65119CC-F9AC-41E1-8735-DC88E60E0F3D
|
XXXXXX
|
AK
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV 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 24 months.
|
Client Complete
|
|||||||||||||||
|
7247080A-A330-471D-8F58-EF4C8A1708CA
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID4571
|
TRID - CD: Neither the Will Have nor Will Not Have an Escrow Account in the CD Loan Disclosures section are selected.
|
No
|
Final CD 4/24/25, section Escrow Account - Neither the Will Have nor Will Not Have an Escrow Account in the CD Loan Disclosures section are selected.
Condition is pending receiving corrected PCD with LOE to borrower.
|
05/16/25 Client provided a corrected 5/15 PCCD.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 774 Guidelines allow 680
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has Good credit history with 0 Late Payments > 48 Months
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 48 Months
|
Client Complete
|
|
7247080A-A330-471D-8F58-EF4C8A1708CA
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5740
|
TRID - CD: In the CD Projected Payments section the Estimated Taxes, Insurance and Assessments = $0 or Null
|
No
|
Final CD 4/24/25, section Projected Payments Estimated Escrows - the amount is $0. Condition is pending receiving corrected PCD with updated amount and LOE
to borrower.
|
05/16/25 Client provided a corrected 5/15 PCCD.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 774 Guidelines allow 680
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has Good credit history with 0 Late Payments > 48 Months
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 48 Months
|
Client Complete
|
|
7247080A-A330-471D-8F58-EF4C8A1708CA
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
N/A
|
N/A
|
C
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Provide VOE dated within 10 business days prior to Note date
|
5.12.2025 Client provided VVOE dated 4.22.2025
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 774 Guidelines allow 680
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has Good credit history with 0 Late Payments > 48 Months
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 48 Months
|
Client Complete
|
|
74362D05-984E-4666-91FA-14D5F5C440DE
|
XXXXXX
|
TX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
XXX Home Equity
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPXXXHE119
|
XXX Equity - Affidavit of Fair Market Value not signed by lender
|
No
|
Affidavit of Fair Market Value is not signed by the lender.
|
08/20/24 Client provided the FMV signed by the Lender.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% per program.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 8 years
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 788 is 108 points above program guideline minimum of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.71% DTI is below guideline requirement of 45%.
|
Client Complete
|
|
74362D05-984E-4666-91FA-14D5F5C440DE
|
XXXXXX
|
TX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient
credit or refund provided
|
No
|
Zero tolerance fee in the amount of $550.00 as Appraisal Fee was added without a COC in file to support it. Condition pending receiving a valid Change of
Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.
|
08/27/24 Client provided an 8/23 Post CD with cure, LOE, $550 refund check and proof of shipment.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% per program.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 8 years
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 788 is 108 points above program guideline minimum of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.71% DTI is below guideline requirement of 45%.
|
Client Complete
|
|
74362D05-984E-4666-91FA-14D5F5C440DE
|
XXXXXX
|
TX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does
not offer one are selected
|
No
|
Final CD 08/08/24: 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.
|
08/24/24 Client provided a corrected 8/23 Post CD, LOE and Tracking.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV below guideline requirements of 85.00% per program.
CFCFS1736: Significant time at current residence
- Clayton Comments: Significant time at current residence; 8 years
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO of 788 is 108 points above program guideline minimum of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.71% DTI is below guideline requirement of 45%.
|
Client Complete
|
|
72DBB4AF-054C-4AB5-AC54-3BF9A5C88E2B
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
B
|
B
|
B
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
No
|
Earliest ROR Expiration Date: XXX triggered due to Notary Acknowledgement Date is future dated 12/7/2025.
|
01/20/25 Client provided a 1/14 Post CD, the original DOT and signed letter of intent to re-record to correct the notary acknowledgment date. Condition
remains. The documentation reflecting the corrected Notary Acknowledgment Date is missing. Provide the corrected documentation.01/23/25 Client provided a letter of intent to re-record, DOT Cover Letter for Recording to correct Notary Date and
the DOT reflecting the Notary correction to 01/07/2025 with initialed change.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 33%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 17 years on current job
|
Client Complete
|
|
72DBB4AF-054C-4AB5-AC54-3BF9A5C88E2B
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR - Disbursement date is before end of statutory rescission period triggered due to Notary Acknowledgement Date is future dated 12/7/2025.
|
01/20/25 Client provided a 1/14 Post CD, the original DOT and signed letter of intent to re-record to correct the notary acknowledgment date. Condition
remains. The documentation reflecting the corrected Notary Acknowledgment Date is missing. Provide the corrected documentation.01/23/25 Client provided a letter of intent to re-record, DOT Cover Letter for Recording to correct Notary Date and
the DOT reflecting the Notary correction to 01/07/2025 with initialed change.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The total DTI is 33%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has 17 years on current job
|
Client Complete
|
|
FFDA1905-6EA5-4416-84B1-731305E4715F
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Borrower paid off several credit cards at closing reducing monthly debt.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has no mortgage lates over 24 months requirement.
|
Client Complete
|
|||||||||||||||
|
0BC3C1A5-B56D-46C8-A5FB-4CBDEC0B1472
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 9 Years in Current Profession
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has Good credit history with 0 Late Payments < 24 Months
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments < 24 Months
|
Client Complete
|
|||||||||||||||
|
86947754-8A06-483C-A3CC-CD5978F0FEAA
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
Method of receipt for initial CD esigned. No evidence e consent was provided.
|
10/21/24 Client provided the E-Consent reflecting acceptance on 8/20.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided at current residence for 9 years.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower significant time as a XXX for 20 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The CLTV of XX.XX% is XX.XX% < maximum CLTV of 80.00%.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has positive mortgage history of 43 months @ 0 x 30.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrowers median credit score of 747 is 67 more points than minimum required score of 680.
|
Client Complete
|
|
86947754-8A06-483C-A3CC-CD5978F0FEAA
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
Method of receipt for initial LE esigned. No evidence e consent was provided.
|
10/21/24 Client provided the E-Consent reflecting acceptance on 8/20. Condition remains. The Initial LE was issued on 8/8. Provide the accepted E-Consent
for the 8/8 LE, or provide evidence the LE was delivered via other Method (In Person or Mail) within the required 3 days for timing purposes.10/29/24 Client provided an LOE from Lender and screen shot reflecting the LE delivery via XXX on
8/13.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has resided at current residence for 9 years.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower significant time as a XXX for 20 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The CLTV of XX.XX% is XX.XX% < maximum CLTV of 80.00%.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has positive mortgage history of 43 months @ 0 x 30.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrowers median credit score of 747 is 67 more points than minimum required score of 680.
|
Client Complete
|
|
9E01117E-6920-484E-BA31-8264E01E8866
|
XXXXXX
|
CO
|
QM: Rebuttable Presumption (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Missing evidence of Disability in the amount of $5289.51
|
11/6 Client provided the VA disability award letter; Lender grossed up 25% Clayton grossed up 15%
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 771
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 40.28%
|
Client Complete
|
|
9909825E-C890-41FC-B8AA-9F999527C544
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP2057
|
XXX Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
No
|
Missing Illinois certificate of compliance or exemption
|
06/24/25 Client provided the IL Cert of Exemption.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 42.42%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 9 years
|
Client Complete
|
|
BEB80861-DB4E-4009-8D1C-DC78DE1E9BC8
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
XXX Home Equity
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPXXXHE320
|
XXX Equity - XXX Equity : Missing T.42 Title Endorsement
|
No
|
Missing T.42 Title Endorsement
|
06/11/25 Client provided the Final Title Policy that includes the T.42 Endorsement.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 21 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 15 Years in Current Profession
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 99 Months
|
Client Complete
|
|
BEB80861-DB4E-4009-8D1C-DC78DE1E9BC8
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
XXX Home Equity
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTXHE321
|
XXX Equity - XXX Equity : Missing T.42.1 Title Endorsement
|
No
|
Missing T.42.1 Title Endorsement
|
06/11/25 Client provided the Final Title Policy that includes the T.42.1 Endorsement.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 21 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 15 Years in Current Profession
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 99 Months
|
Client Complete
|
|
BEB80861-DB4E-4009-8D1C-DC78DE1E9BC8
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
XXX Home Equity
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPXXXHE108
|
XXX Equity - Total fees greater than the allowable cap
|
No
|
Total fees greater than the allowable cap.Adjusted Charges$3,653.90Total Loan Amount$XXXMaximum Charges %2.000%Maximum Charges$2,200.00Charges Margin to
Threshold$1,453.90Total Charges %3.322%Exceeds fees test threshold?Yes
|
06/13/25 Client provided the missing Mavent dated 5/29 that reflects an Undiscounted Rate of XX.XX%. Exclusion test performed with no further violation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 21 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 15 Years in Current Profession
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 99 Months
|
Client Complete
|
|
BEB80861-DB4E-4009-8D1C-DC78DE1E9BC8
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
XXX Home Equity
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPXXXHE119
|
XXX Equity - Affidavit of Fair Market Value not signed by lender
|
No
|
Affidavit of Fair Market Value is not signed by lender.
|
06/10/25 Client provided a FMV Affidavit signed by Lender.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 21 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 15 Years in Current Profession
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 99 Months
|
Client Complete
|
|
71F53E1C-2EFC-4495-BF46-395294382465
|
XXXXXX
|
OH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPSTCP1770
|
XXX CSPA; Required Closing Disclosure not provided to borrower
|
No
|
Missing OH CSPA; Required Closing Disclosure
|
07/01/25 Client provided the OH Disclosure.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 752
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 > 60 Months
|
Client Complete
|
|
700CFA3E-42C1-4D77-9AD0-B6712372CE35
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPATRQM2900
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status
determination.
|
No
|
Loan is Non QM due to 5.707% Fees.
|
09/30/24 Client provided a rebuttal from the Lender with a screen shot/code definition for their Affiliate business (ownership interest is only 23.00% -
below the 25% minimum). Reviewed by internal Compliance counsel and accepted.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 25 years
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 0x30 on current and previous mortgage
|
Client Complete
|
|
700CFA3E-42C1-4D77-9AD0-B6712372CE35
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPATRQM2970
|
TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline.
|
No
|
QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline.
|
09/30/24 Client provided a rebuttal from the Lender with a screen shot/code definition for their Affiliate business (ownership interest is only 23.00% -
below the 25% minimum). Reviewed by internal Compliance counsel and accepted.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 25 years
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 0x30 on current and previous mortgage
|
Client Complete
|
|
700CFA3E-42C1-4D77-9AD0-B6712372CE35
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Section 32
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPS32371
|
Section 32 Loan per Points and Fees Test
|
No
|
Adjusted Charges$3,173.56Total Loan Amount$XXXMaximum Charges %5.000%Maximum Charges$2,780.33Charges Margin to Threshold$393.23Total Charges %5.707%Per
Mavent in file, only Processing fee and Origination fee were included, however many title fees are paid to Affiliate and should have been also included.
|
09/30/24 Client provided a rebuttal from the Lender with a screen shot/code definition for their Affiliate business (ownership interest is only 23.00% -
below the 25% minimum). Reviewed by internal Compliance counsel and accepted.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 25 years
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 0x30 on current and previous mortgage
|
Client Complete
|
|
700CFA3E-42C1-4D77-9AD0-B6712372CE35
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
State High Cost
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPSTHC343
|
XXX High-Cost Loan by exceeding point and fee threshold
|
No
|
Adjusted Charges$3,173.56Total Loan Amount$XXXMaximum Charges %5.000%Maximum Charges$2,780.33Charges Margin to Threshold$393.23Total Charges %5.707%Per
Mavent in file, only Processing fee and Origination fee were included, however many title fees are paid to Affiliate and should have been also included.
|
09/30/24 Client provided a rebuttal from the Lender with a screen shot/code definition for their Affiliate business (ownership interest is only 23.00% -
below the 25% minimum). Reviewed by internal Compliance counsel and accepted.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 25 years
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 0x30 on current and previous mortgage
|
Client Complete
|
|
700CFA3E-42C1-4D77-9AD0-B6712372CE35
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered
|
No
|
Initial CD 8/30/24 is e-signed by non-borrowing spouse but a prior e-consent is missing in file
|
09/25/24 Client provided the NBS E-consent.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 25 years
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has 0x30 on current and previous mortgage
|
Client Complete
|
|
B5382CFE-0B69-4B80-9E78-BEC8564D9E7E
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 12 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 24 Years in Current Profession
|
Client Complete
|
|||||||||||||||
|
B4B0F207-A802-47B6-946C-D796E572BFFF
|
XXXXXX
|
NJ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 33.57%
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 14 years
|
Client Complete
|
|||||||||||||||
|
FA1CD780-EE7A-4FFF-BE5C-DFBD38A8C5E2
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Missing initial LE 7/2/25 in file (Per Intend to Proceed and COC 7/3/25, initial LE was issued on 7/2/25)
|
08/07/2025 Client provided the missing LE 7/2.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 719 qualifying score; 680 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 26.95% DTI; 45% max allowed.
|
Client Complete
|
|
FA1CD780-EE7A-4FFF-BE5C-DFBD38A8C5E2
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPDOC3076
|
Legal document was not executed or is incomplete
|
No
|
Mortgage in file is missing a notary date of execution.
|
08/07/2025 Client provided the recorded, fully executed Mortgage including Legal description and Rider.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 719 qualifying score; 680 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 26.95% DTI; 45% max allowed.
|
Client Complete
|
|
FA1CD780-EE7A-4FFF-BE5C-DFBD38A8C5E2
|
XXXXXX
|
KY
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
N/A
|
N/A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH121
|
Bankruptcy history does not meet guidelines
|
No
|
Chapter 7 bankruptcy was discharged XXX. 81 months seasoning; 84 months seasoning required.
|
8.4.2025 Client provided exception approval for Ch 7 BK discharged XXX, guidelines require XXX years, shy of XXX months to complete the 7 year seasoning
requirement, per guidelines.
|
Exception approved, B Grade
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 719 qualifying score; 680 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 26.95% DTI; 45% max allowed.
|
Client Complete
|
|
07D3B04C-37AF-4723-92B8-8340D57E3BAF
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 727 Guidelines allow 680
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 55 Years in Current Profession
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has history of Good credit with 0 Late Payments > 24 Months
|
Client Complete
|
|||||||||||||||
|
86BCC545-8718-4052-851B-F8A6B2E15C39
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide HOA of $330/month for XXX
|
6.19.2025 Client provided evidence of monthly HOA of $330 for property: XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers have 46 months of 0x30 on current mortgage
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% LTV
|
Client Complete
|
|
89C8A5AF-A283-412F-A985-C5DC600DC391
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 26 years, 5 months at current job.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: 26 years, 3 months at current job.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; 80% max allowed.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 772 qualifying score; 680 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 22.95% DTI; 45% max allowed.
|
Client Complete
|
|||||||||||||||
|
AABA4CF3-860C-4D39-A277-9AFD996CCFD3
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 733 qualifying score
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% qualifying CLTV
|
Client Complete
|
|||||||||||||||
|
45B1BB83-8EEA-4462-8498-D37F634CFCB4
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 742
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 13 Years in Current Profession
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has history of Good credit with 0 Late Payments > 24 Months
|
Client Complete
|
|||||||||||||||
|
004AEDC4-D449-4363-B7EF-547E1FF8BADC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31.32% DTI is below guideline maximum of 45.00%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 694 credit score exceed guideline minimum of 680.
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: B2 has been on current job for 21 years
|
Client Complete
|
|||||||||||||||
|
771294A7-CBDF-4754-B639-45D0AA77594C
|
XXXXXX
|
DE
|
QM: Rebuttable Presumption (APOR)
|
QM: Rebuttable Presumption (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Confirmed receipt of Last LE 8/19/24 missing in file (timestamp on LE could not read).
|
09/11/24 Client provided the LE tracking confirming receipt on 8/19.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 14 years, 6 months at current job.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 74 months mortgage history 0x30; 24 months 0x30 required.
|
Client Complete
|
|
DE1BA18A-072D-4ECE-B5FB-A730F9FD6627
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing Hazard, taxes, HOA and mortgage information for XXX
|
7.14.2025 Client provided Loan Estimate for this property: XXX however unable to determine reason for Loan Estimate. Condition remains to verify full PITIA
for this property 7.25.2025 Client provided mortgage statement for XXX verifying monthly payment of $1,669.73 and provided LOX stating no monthly HOA
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 27.40%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 816
|
Client Complete
|
|
341E69C2-D660-460E-822C-11D52BA00FCD
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate
ATR/QM status.
|
No
|
Determine status upon review / receipt of missing VA income and VOES
|
5/7 Client provided the VA award letter; still missing VOEs5.13.2025 Client provided exception approval for post close dated (5.9.2025) VVOE for B2
(previously provided) however appears the VVOE previously provided was for previous employment for B2 and Lender provided LOX from B1 regarding her prior employment history and file have the prior employment VVOE (pg 391) covering 5.12.2023 -
1.31.2021 and gap LOX provided covering 2.1.2021 - 9.3.2024 and started back working as of 9.3.2024 and B2 previous employment (previously provided) was verified from 1.1.2023 - 11.8.2024 and current employment started 11.11.2024 along with
employment profile LOX from B2 (pg 272), File have current employment VVOE for both borrowers dated 4.9.2025 (pg 171 - 172)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 791 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 52 months
|
Client Complete
|
|
341E69C2-D660-460E-822C-11D52BA00FCD
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Missing Lender QM status Mavent in file reflect QM as N/A not applicable or possibly as Non QM
|
5.14.2025 Client provided duplicate Mavent (in file) that is missing QM status, status is reflected as N/A. Condition remains for Lender status QM or Non
QM 5.15.2025 Client provided LOX in Collaborate, Lender status is Non QM w/AVM appears loan is not high cost loan and don't appear to exceed points and fees. DD Firm status is QM Safe Harbor and Lender status Non QM 5.15.2025 Client provided
Lender updated Mavent w/QM Safe Harbor
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 791 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 52 months
|
Client Complete
|
|
341E69C2-D660-460E-822C-11D52BA00FCD
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Provide sufficient documentation supporting $83.33 monthly HOA. Subject to income recalc and may be subject to additional conditions upon review.
|
4/29 Client provided HOA statement supporting $83.33 monthly
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 791 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 52 months
|
Client Complete
|
|
341E69C2-D660-460E-822C-11D52BA00FCD
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Provide full 24 months voes for B1 and B2. May be subject to additional conditions upon review.
|
5/9 Client provided a VOE however it is post close dated; provide a VOE dated prior to close5.13.2025 Client provided exception approval for post close
dated (5.9.2025) VVOE for B2 (previously provided) however appears the VVOE previously provided was for previous employment for B2 and Lender provided LOX from B1 regarding her prior employment history and file have the prior employment VVOE
(pg 391) covering 5.12.2023 - 1.31.2021 and gap LOX provided covering 2.1.2021 - 9.3.2024 and started back working as of 9.3.2024 and B2 previous employment (previously provided) was verified from 1.1.2023 - 11.8.2024 and current employment
started 11.11.2024 along with employment profile LOX from B2 (pg 272), File have current employment VVOE for both borrowers dated 4.9.2025 (pg 171 - 172)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 791 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 52 months
|
Client Complete
|
|
341E69C2-D660-460E-822C-11D52BA00FCD
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide documentation, meeting requirements, supporting B2's VA income. Subject to income recalc and may be subject to additional conditions upon review
|
4/28 Client provided B2 VA award letter to support VA income of $346.95
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 791 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 52 months
|
Client Complete
|
|
341E69C2-D660-460E-822C-11D52BA00FCD
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Title: B2 and wife B1, f/k/a ____ and _____Deed: B2 and wife B1Provide updated matching documents. May be subject to additional conditions upon review.
|
5/7 Client provided the Title and DOT stating the vesting appears to match; Upon review condition remains the Vesting does not match as described in the
initial Clayton comment; Provide a corrected DOT matching the Title vesting; DOT is missing the following after B2 and spouse : f/k/a ____ and _____5/8 Client provided the matching the DOT and TItle vesting
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 791 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 52 months
|
Client Complete
|
|
341E69C2-D660-460E-822C-11D52BA00FCD
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Provide required Property Condition Inspection report.May be subject to additional conditions upon review.
|
AMV approved vender confidence score 90
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 791 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 52 months
|
Client Complete
|
|
F14AFB1B-EE4D-4176-9E89-DF641681DD43
|
XXXXXX
|
TN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been XXX since 2016 and in the same line of work for 50 years.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have owned the subject property for over 26 years.
CFCFS1745: Significant total monthly debt reduction
- Clayton Comments: Over $160,000 in debts are being paid off in this transaction.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Credit report reflects 153 months of 0x30 mortgage payment history.
|
Client Complete
|
|||||||||||||||
|
3BD6A495-7F54-4B71-BAE8-EB89A296FA17
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Application date 10/22/24, earliest HOCL found in file date 11/4/24.
|
12/13/24 Client provided the Initial 10/24 HC List.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrowers median credit score of 763 is 83 more points than minimum required score of 680.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers' have positive mortgage history of 39 months @ 0 x 30.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The back end DTI of 28.98% is 16.02% < maximum DTI of 45.00%.
CFCFS2854: Significant time in profession
- Clayton Comments: B2 significant time as an XXX for 22 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 is a XXX for 6.10 years.
|
Client Complete
|
|
3BD6A495-7F54-4B71-BAE8-EB89A296FA17
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Application date 10/22/24, earliest LE found in file is dated 11/4/24. File is missing initial LE delivered 10/24/24 (per Comp-Ease document)
|
12/13/24 Client provided the Initial 10/24 LE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Borrowers median credit score of 763 is 83 more points than minimum required score of 680.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers' have positive mortgage history of 39 months @ 0 x 30.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: The back end DTI of 28.98% is 16.02% < maximum DTI of 45.00%.
CFCFS2854: Significant time in profession
- Clayton Comments: B2 significant time as an XXX for 22 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 is a XXX for 6.10 years.
|
Client Complete
|
|
BF2CCD6D-A906-49B6-A516-AE2DD3FDE43B
|
XXXXXX
|
MO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days
of consummation.
|
No
|
10% tolerance in the amount of $312.10 as Title Fees were added/increased without a COC in file and no Providers were listed in Service Providers List.
Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.
|
04/15/25 Client provided an earlier 3/10 SPL reflecting the compliant Provider option (App Date 3/9). Re-testing results in no violation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 798 Guidelines allow 680
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 10 Years in Current Profession
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has Good credit history with 0 Late Payments > 24 Months
|
Client Complete
|
|
C7571019-49EB-4FC6-8F69-1B8E7E80B7C8
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 752
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 10 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 17 Years in Current Profession
|
Client Complete
|
|||||||||||||||
|
17893314-25FD-40C1-93DD-FD26E42E08DB
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 768
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has Good credit history with 0 Late Payments > 24 Months
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 24 Months
|
Client Complete
|
|||||||||||||||
|
44E2F882-C775-450C-A6A6-E4F514A174DF
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: At job since 2005
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 31.58% qualifying DTI
|
Client Complete
|
|||||||||||||||
|
7F6798C7-B9B3-4FBA-ACFB-BF9F6DD7ED56
|
XXXXXX
|
CO
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Property Valuations
|
Property
|
Waived
|
B
|
B
|
B
|
B
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
Subject is in a declining market.Per guidelines:"Ineligible Properties: Properties located in a Declining Market"
|
5/16/25 : Client provided exception for "Property - Miscellaneous-1 (i.e., Unique Property, XXX Outside Guidelines)"
|
Upon further review by Senior Underwriter, exception is deemed non-material due > 100k in reserves, LTV of XX.XX% and 23.48% DTI. Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)37.41Cash Reserves$132,384.42Required:0
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 23.48% qualifying DTI
CFCFS1737: LTV below guideline requirements
- Clayton Comments: Qualifying LTV: XX.XX%
|
Client Complete
|
|
DDCD8A0C-8293-4AF1-AB65-230E6A1B5D4E
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate
ATR/QM status.
|
No
|
Missing evidence to verify liability associated with REO at XXX
|
6.11.2025 Client provided copy of taxes and HOI for REO at XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 793 qual score; min 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 70mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS2854: Significant time in profession
- Clayton Comments: B2 has been in the same profession for 21 years.
|
Client Complete
|
|
DDCD8A0C-8293-4AF1-AB65-230E6A1B5D4E
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR4407
|
ROR - No evidence that the material disclosures were delivered to all with rescission rights via TIL, CD or HELOC, as applicable
|
No
|
Missing Right of Rescission form for Borrower 1.
|
06/11/25 Client provided the Borrower's ROR form.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 793 qual score; min 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 70mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS2854: Significant time in profession
- Clayton Comments: B2 has been in the same profession for 21 years.
|
Client Complete
|
|
DDCD8A0C-8293-4AF1-AB65-230E6A1B5D4E
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence to verify liability associated with REO at XXX
|
6.11.2025 Client provided copy of taxes and HOI for REO atXXX; free and clear of liens
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 793 qual score; min 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 70mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS2854: Significant time in profession
- Clayton Comments: B2 has been in the same profession for 21 years.
|
Client Complete
|
|
DDCD8A0C-8293-4AF1-AB65-230E6A1B5D4E
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing lender's income calculations for both borrowers.
|
6/4 Client provided the income WS
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: 793 qual score; min 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 70mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS2854: Significant time in profession
- Clayton Comments: B2 has been in the same profession for 21 years.
|
Client Complete
|
|
2D791CDA-9D09-4E87-96E3-CF023A26688C
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.13% DTI below guideline requirement of 45%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 34 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.
|
Client Complete
|
|||||||||||||||
|
40B27770-71C9-4ED8-A329-F8D19F1C82D8
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate
ATR/QM status.
|
No
|
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-Provide evidence of the minimum monthly payment/balance for XXX not listed on the credit report/supplement.
|
10.17.2024 Client provided copy of report with evidence of monthly payment of $72 for XXX#XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers' have resided at current residence for 21.10 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 is a XXX for 9.10 years.
CFCFS2854: Significant time in profession
- Clayton Comments: B2 significant time as a XXX for 10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The CLTV of XX.XX% is XX.XX% < maximum CLTV of 80.00%.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers' have positive mortgage history of 51 months @ 0 x 30.
|
Client Complete
|
|
40B27770-71C9-4ED8-A329-F8D19F1C82D8
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
No
|
Final CD 10/2/24 is not signed/missing page 5. Provide complete, signed final CD.
|
10/17/24 Client provided all pages to the Final CD, including page 5 with signatures at Closing on 10/4.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers' have resided at current residence for 21.10 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 is a XXX for 9.10 years.
CFCFS2854: Significant time in profession
- Clayton Comments: B2 significant time as a XXX for 10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The CLTV of XX.XX% is XX.XX% < maximum CLTV of 80.00%.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers' have positive mortgage history of 51 months @ 0 x 30.
|
Client Complete
|
|
40B27770-71C9-4ED8-A329-F8D19F1C82D8
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Final CD 10/2/24 is not signed/missing page 5. Provide complete, signed final CD.
|
10/17/24 Client provided all pages to the Final CD, including page 5 with signatures at Closing on 10/4.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers' have resided at current residence for 21.10 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 is a XXX for 9.10 years.
CFCFS2854: Significant time in profession
- Clayton Comments: B2 significant time as a XXX for 10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The CLTV of XX.XX% is XX.XX% < maximum CLTV of 80.00%.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers' have positive mortgage history of 51 months @ 0 x 30.
|
Client Complete
|
|
40B27770-71C9-4ED8-A329-F8D19F1C82D8
|
XXXXXX
|
OR
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
N/A
|
N/A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Provide evidence of the minimum monthly payment/balance for XXX not listed on the credit report/supplement, only listed as new on the final 1003***
additional exceptions may apply.
|
10.17.2024 Client provided copy of report with evidence of monthly payment of $72 for XXX#XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers' have resided at current residence for 21.10 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 is a XXX for 9.10 years.
CFCFS2854: Significant time in profession
- Clayton Comments: B2 significant time as a XXX for 10 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The CLTV of XX.XX% is XX.XX% < maximum CLTV of 80.00%.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers' have positive mortgage history of 51 months @ 0 x 30.
|
Client Complete
|
|
9F66BB39-46A2-4B83-8426-FCCDBF467517
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
CD 5/5/2025 disbursement date reflects XXX. ROR form in file reflects end of rescission period as XXX. Condition is pending receiving final ALTA statement
with later disbursement date and corrected PCD with LOE and proof of delivery to borrower.
|
05/21/25 Client provided the Final Settlement Statement reflecting Disbursement on XXX with corrected PCCD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 764 Guidelines allow 680
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 15 Years in Current Profession
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > 36 Months
|
Client Complete
|
|
1493BA0E-5DDD-410A-AECA-05A7AEC6D8C0
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 39.69% DTI
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 10 years
|
Client Complete
|
|||||||||||||||
|
B01AB618-5E0F-4D3D-A1AB-2FE5AAF19170
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Mortgage history 0x30 reported 40 months.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.47% DTI; 45% max allowed.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 710 qualifying score; 680 minimum required.
|
Client Complete
|
|||||||||||||||
|
4B16D538-2FAE-4E53-B5E3-EDCF57AA156C
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.10% DTI; max 45%
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; max 80%
|
Client Complete
|
|||||||||||||||
|
E51856E1-A7E4-4A7D-A3CE-B083DC5E0011
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Mid credit score of 711 exceeds guideline required score of 680.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers have been at current residence 9 years.
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Credit report shows 0 x 30 for 40 months on current mortgage
|
Client Complete
|
|||||||||||||||
|
0BC548AA-E21A-4CEC-B298-7F3FB5641A74
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient
credit or refund provided
|
No
|
Zero tolerance in the amount of $332.50 as Discount Points increased without a COC in file. Condition pending receiving a valid Change of Circumstances or
Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.
|
06/02/25 Client provided the missing 3/19 COC and 3/24 LE with delivery (Rate Lock with Points).
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 779 Guidelines allow 680
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 15 Years in Current Profession
CFCFS2860: Good credit history
- Clayton Comments: Borrower Has Good credit history with 0 Late Payments > 48 Months
|
Client Complete
|
|
57617FA2-EA11-4B91-BD83-C36B31E280C7
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
N/A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
B
|
B
|
B
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
No
|
ROR dated XXX and signed XXX with an expiration date of XXX. Borrower was not given full 3 days of rescission. Condition is pending re-opening ROR to all
title holders, LOX and proof of delivery with tracking information.
|
08/20/24 Client provided the corrected H-8 ROR forms, signed XXX with new expiration date of XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 0x30x99 exceeds guideline minimum of 24 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 23 years and 3 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO >28 points above guideline program minimum.
|
Client Complete
|
|
57617FA2-EA11-4B91-BD83-C36B31E280C7
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
N/A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
B
|
B
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
Per title commitment in file, loan originated with a different lender. Incorrect ROR H-9 Form Used in Refinance with different Creditor.
|
08/20/24 Client provided the corrected H-8 ROR forms, signed XXX with new expiration date of XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 0x30x99 exceeds guideline minimum of 24 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 23 years and 3 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO >28 points above guideline program minimum.
|
Client Complete
|
|
57617FA2-EA11-4B91-BD83-C36B31E280C7
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
N/A
|
B
|
B
|
Property Valuations
|
Property
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAPROP111
|
Legal Nonconforming w/out Rebuild Letter
|
No
|
No rebuild letter or comments from the appraiser that rebuild was ok.
|
8/19 Client provided corrected appraisal with rebuild letter
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 0x30x99 exceeds guideline minimum of 24 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job, 23 years and 3 months.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Median FICO >28 points above guideline program minimum.
|
Client Complete
|
|
2BE095C4-64AC-4F05-A6E4-04D7A759D689
|
XXXXXX
|
ME
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers have 41 months 0x30 on current mortgage
|
Client Complete
|
|||||||||||||||
|
B76C759B-E7F2-48F2-8AFE-FF8E4CEB003A
|
XXXXXX
|
AZ
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered
|
No
|
LE 5/30/2025 and CD 6/9/2025 were e-signed by both borrowers without a prior e-sign consent in file; by regulation, e-signed disclosures must be treated as
not delivered. Provide e-Consent for all borrowers.
|
07/03/2025 Client provided accepted consent of e-delivery 5/28.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 30.78% DTI below guideline requirement of 45%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 783 Median FICO >43 points above guideline program minimum of 740.
|
Client Complete
|
|
4CE154C7-D5AD-4F65-A43C-DAB3588DC158
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in amount of $150 due to increase in Appraisal fee on LE 10/15/24 with no valid reasons documented on COC 10/15/24. Condition is pending
receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
10/31/2024 Client provided COC 10/15 reflecting Appraisal fee increase by Appraiser due to unique property type/characteristics/location.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrowers' have resided at current residence for 7.20 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: B1 is a XXX for 12.70 years.
CFCFS2854: Significant time in profession
- Clayton Comments: B2 significant time as a XXX for 17 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The CLTV of XX.XX% is XX.XX% < maximum CLTV of 80.00%.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrowers' have positive mortgage history of 34 months @ 0 x 30.
|
Client Complete
|
|
8A1455BD-F0B4-4787-8F9C-63750844B383
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: LTV XX.XX% is below guideline requirements of 80%
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: Mortgage payment history of 65 months exceeds guidelines of 24 months
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has significant time at current job of 10 years
CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments: Co-Borrower has significant time at current job of 6 years
|
Client Complete
|
|||||||||||||||
|
8AD39B02-692B-4303-BCE0-CFF838EECA4F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
ROR signed on XXX with end of rescission date XXX. Final CD 7/15/25 with disbursement date of XXX. Disbursement date is before end of statutory rescission
period. Condition is pending receiving final ALTA statement with later disbursement date and corrected PCD with LOE and proof of delivery to borrower
|
08/05/25 Client provided the Final Settlement Statement and 8/4 PCCD correcting the Disbursement Date to XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 721 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 38 months
|
Client Complete
|
|
8AD39B02-692B-4303-BCE0-CFF838EECA4F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in amount of $55 due to added AVM Appraisal fee on CD 7/15/25. COC dated 7/3/25 in file but a corresponding CD disclosed within 3 days of
findings is missing. Per Disclosure Tracking Summary in file, a revised CD 7/8/25 was issued, but is missing in file. Condition is pending receiving a revised CD 7/8/25
|
08/05/25 Client provided the missing 7/8 CD corresponding with the 7/3 COC in file.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 721 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 38 months
|
Client Complete
|
|
8AD39B02-692B-4303-BCE0-CFF838EECA4F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
PL's and 1120s not signed / executed; please provide.
|
8.5.2025 Client provided executed YTD P/L for 1st and 2nd XXX (1120s and Schedule C) and provided executed 2024 1120s
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 721 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 38 months
|
Client Complete
|
|
8AD39B02-692B-4303-BCE0-CFF838EECA4F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Provide missing XXX income calc worksheetsand1120s Liquidity worksheetMay be subject to additional conditions upon review.
|
8.5.2025 Client provided Cash Flow CCC Analysis for Schedule C (2nd job) and 1120s (1st job) no issue with Liquidity
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 721 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 38 months
|
Client Complete
|
|
8AD39B02-692B-4303-BCE0-CFF838EECA4F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
C
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL100
|
Potential title issue
|
No
|
Provide sufficient documentation that the following exceptions are cleared from Title.May be subject to additional conditions upon review:* "Said property
has been declared tax-defaulted for non-payment of delinquent Supplemental taxes for the fiscal year2023-2024"** "Amount to redeem by June 30, 2025 for the above-stated year (and subsequent years, if any) is $1,353.52.The herein described
Land is within the boundaries of the XXX. The annualassessments, if any, are collected with the county property taxes. Failure to pay said taxes prior to the delinquencydate may result in the above assessment being removed from the county tax
roll and subjected to AcceleratedJudicial Bond Foreclosure. Inquiry should be made with said District for possible stripped assessments and priordelinquencies."*** "The lien of supplemental or escaped assessments of property taxes, if any,
made pursuant to the provisions ofChapter 3.5 (commencing with Section 75) or Part 2, Chapter 3, Articles 3 and 4, respectively, of the Revenue andTaxation Code of the State of California as a result of the transfer of title to the vestee
named in Schedule A or asa result of changes in ownership or new construction occurring prior to Date of Policy."
|
8/6 Client provided title with items removed
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 721 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 38 months
|
Client Complete
|
|
8AD39B02-692B-4303-BCE0-CFF838EECA4F
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide the document/report charged for the following reflected on Final CD: "Appraisal Fee to XXX. $55.00"May be subject to additional conditions upon
review.
|
8.5.2025 Client provided XXX invoice for charge of $55.00 which states is an Exterior PCI property condition inspection report. Condition remains for file
to have copy of PCI for the charge of $55.00 as reflected on Final CD 8.6.2025 Client provided copy of AVM + PCI (property condition inspection) which was for the $55.00 invoice on Final CD
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 721 qualifying score
CFCFS1739: Postive mortgage payment history
- Clayton Comments: 0 x 30 for 38 months
|
Client Complete
|
|
DD7EC4C8-7AC4-4BA6-8E9E-204262535290
|
XXXXXX
|
NV
|
QM: Rebuttable Presumption (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
CD 7/31/2024 disbursement date reflects 7/31/2024. Right to cancel reflects end of recission period as XXX.Loan closed/disbursed prior to end of statutory
rescission period. Estimated Settlement Statement in file indicated disbursement date as XXX Condition is pending receiving final ALTA statement with later disbursement date and corrected PCD with LOX and proof of delivery to borrower.
|
08/19/24 Client provided the Final Settlement Statement, LOE and corrected 8/15 Post (Funding) CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower resided at current residence for 5.70 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower is a XXX for 8.90 years.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has positive mortgage history for 37 months @ 0 x 30.
|
Client Complete
|
|
DD7EC4C8-7AC4-4BA6-8E9E-204262535290
|
XXXXXX
|
NV
|
QM: Rebuttable Presumption (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in amount of $175 due to added Appraisal fee on LE 7/25/24. COC dated 7/23/24 doesn't indicate a valid reasons as to why fee was needed.
Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
08/16/2024 Client provided COC 7/23 reflecting increase for Appraisal fee due to AVM was not eligible. A full appraisal was obtained from the 1st lien to
establish value, however a separate and additional report was required to use value for subject transaction.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower resided at current residence for 5.70 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower is a XXX for 8.90 years.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has positive mortgage history for 37 months @ 0 x 30.
|
Client Complete
|
|
DD7EC4C8-7AC4-4BA6-8E9E-204262535290
|
XXXXXX
|
NV
|
QM: Rebuttable Presumption (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
C
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
Provide an updated title as the preliminary title dated 07/01/2024 shows the 2nd lien amount as $XXX; the note has the loan amount as $XXX.
|
8/14 Client provided updated title with loan amount of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower resided at current residence for 5.70 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower is a XXX for 8.90 years.
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Borrower has positive mortgage history for 37 months @ 0 x 30.
|
Client Complete
|
|
C30D962B-10C2-4BF8-98E0-DF78F25D2CF7
|
XXXXXX
|
NV
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 7 years.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 5/20/2008.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 709 is 29 points above the minimum required score of 680.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 38.82% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|||||||||||||||
|
DA06E0DB-38A8-44E5-91EF-09C658436E82
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 38 months with 0x30 Mortgage payment history exceeds guidelines of 24 months.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Significant time in profession, 20 years.
|
Client Complete
|
|||||||||||||||
|
FD8D6850-E164-4F18-8DFF-2EFAFA7FBA5D
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Disclosure Tracking Summary, a Loan Estimate was issued on 5/5/2025 which is missing from the file.
|
06/11/25 Client provided the 5/5 LE. Condition remains. Per the Disclosure Tracking, a COC was also included in the 5/5 redisclosure package. Provide the
missing COC to validate the increase to the Origination Fee by $500.06/12/25 Client provided the missing 5/5 COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; 80% max allowed.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 11 years, 9 months at current residence.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 39.30% DTI; 45% max allowed.
|
Client Complete
|
|
FD8D6850-E164-4F18-8DFF-2EFAFA7FBA5D
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Final CD reflects a Disbursement Date prior to the end of the Rescission period. Lender to provide proof of a later Disbursement via Final ALTA/Settlement
Statement and corrected Post/Funding CD. Or, if the loan disbursed prior to the ROR expiration date, please reopen rescission to all titleholders with dates allowing for method of delivery.
|
06/04/25 Client provided a duplicate copy of the ROR. Condition remains. The loan closed XXX with rescission expiration at midnight on XXX. The Disbursement
Date was also XXX. Provide proof of a later Disbursement via the Final ALTA/Settlement Statement and corrected PCCD, OR provide all title holders with a new ROR, LOE, proof of delivery and reopen rescission with dates allowing for method of
delivery.06/26/2025 Client provided Final Alta/Settlement Statement with Disbursement date of XXX. Condition remains. Provide the Updated Funding PCCD with matching dates and fees. Additional conditions may apply. 07/01/25 Client provided
the 6/23 PCCD correcting the Disbursement Date to XXX per the Final Settlement Statement.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; 80% max allowed.
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 11 years, 9 months at current residence.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 39.30% DTI; 45% max allowed.
|
Client Complete
|
|
742E4453-A66A-43DC-87CF-0D5F0DE67DFB
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 37.63%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 720
|
Client Complete
|
|||||||||||||||
|
07AEA114-3FE7-4C0A-BD26-BF93BA9DB250
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of
consummation
|
No
|
Zero tolerance in amount of $150 due to increase in Appraisal fee on LE 6/16/25. COC dated 6/13/25 indicates fee increased due to unique property /
location. Property is average size in populated suburbs. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes
tracking information.
|
07/11/25 Client provided another 6/13 COC. Review of appraisal/address/location. COC's sufficient.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: High Credit 722
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has 15 Years at Current Residence
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has 16 Years in Current Profession
|
Client Complete
|
|
64048F6F-4FE3-4474-8F84-81134D78F453
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
No
|
Loan Consummated on XXX; ROR Expiration Date is XXX; Final CD 2/14/25 indicates Disbursement Date of XXX; Condition is pending receipt of final ALTA
statement reflecting later disbursement date, & corrected PCD, LOX, & proof of delivery.
|
03/03/25 Client provided the Final Settlement Statement reflecting the Disbursement Date XXX and corrected Post CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 757 qualifying score
|
Client Complete
|
|
BEBB1E3D-CC0E-46D5-8BDA-654380CD55A8
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been at the same job for 28 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: CLTV XX.XX%; max 85%.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 744 qual score; min 680.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 60mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.83% DTI; max 45%.
|
Client Complete
|
|||||||||||||||
|
0F7D3EF1-71DE-4D37-B96E-A318E27E3E78
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments: Borrower has no late payments on the mortgage history
CFCFS1737: LTV below guideline requirements
- Clayton Comments: The total LTV is XX.XX%
|
Client Complete
|
|||||||||||||||
|
ED5672AC-E28C-49DC-97A5-F00CD9107164
|
XXXXXX
|
WA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 43.51%
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 702
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower at current employment 33 years
|
Client Complete
|
|||||||||||||||
|
E7F5EB77-DC8A-4E45-8A62-1F48CEF935EA
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/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
CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments: Borrower has excess reserves
|
Client Complete
|
|||||||||||||||
|
FF1A4940-F3C7-45F3-8DD0-98F72D59CE43
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: DTI 28.29% below guideline requirement
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV below guideline requirements
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, 8 years
|
Client Complete
|
|||||||||||||||
|
196E8D04-54E3-42C2-ABF9-2D3A7ACEFB6D
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Missing final CD provided to borrower at closing. Completed CD required for further testing, additional conditions may apply (CD 7/21/25 in file is from a
title company and is missing information for testing purpose)
|
08/06/2025 Client provided the missing Final CD 7/21.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 21 years, 4 month at current job.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; 80% max allowed.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 775 qualifying score; 680 required.
|
Client Complete
|
|
175331FD-AAA3-4435-B088-B584094A2EF8
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 15 years, 1 month at current job.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 36.47% DTI; 45% max allowed.
|
Client Complete
|
|||||||||||||||
|
76BAFA43-3BC0-4AD5-A445-DE11FB286EC9
|
XXXXXX
|
TN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: Borrower has been with current employer since 1/30/2017.
|
Client Complete
|
|||||||||||||||
|
A0AEBEAF-06EB-4A55-B731-1DFC12EBAE14
|
XXXXXX
|
TX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 713 qualifying score; 680 required.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 29 years, 11 months at current job.
|
Client Complete
|
|||||||||||||||
|
475850F8-BE06-497B-AD29-1D11F9835C88
|
XXXXXX
|
IL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has owned the subject property for 18 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Credit score of 783 is 43 points above the minimum required score of 740.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.14% DTI is below the maximum allowed DTI of 45%.
|
Client Complete
|
|||||||||||||||
|
C35F242B-6EDD-44D1-98C4-40AF627096E2
|
XXXXXX
|
IN
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 12 years, 4 months at current job.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 720 qualifying score; 680 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 34.01% DTI; 45% max allowed.
|
Client Complete
|
|||||||||||||||
|
3C1A289F-786B-4BE2-A9D4-213FE7CA29D1
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
Documentation
|
Satisfied
|
B
|
B
|
B
|
B
|
CMPDOC5556
|
Note P&I doesn't equal Clayton's calculated P&I; payment schedule inaccuracy
|
No
|
Note P&I is $1,287.66 and Calculated P&I is $1,287.56. This is a Simple Interest loan which is not allowed.
|
06/11/25 Client provided a corrected, fully executed Note reflecting the $1,287.56 P&I payment, with the corrected 1008, 1003, Closing Disclosure, 1st
Payment Letter and Amortization Schedule.
|
Condition Satisfied.
|
Not Applicable
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 21 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 811 qual score; min 740.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 55mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 32.06% DTI; max 45%.
|
Client Complete
|
|
3C1A289F-786B-4BE2-A9D4-213FE7CA29D1
|
XXXXXX
|
SC
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days
of consummation.
|
No
|
Title Fees and Recording Fee increased on the final CD. Title Fee paid to the services provider list in Section B increased without a COC. Ten percent
tolerance cure required for $282.50. Provide a letter of explanation, corrected Closing Disclosure, refund and proof of delivery within 60 days of consummation.
|
05/27/25 Client provided an Email containing a Seller Question with their 10 percent tolerance testing figures that reflect no violation. Upon review by
internal Compliance counsel, it appears all of the Title fees were not originally included in the internal 10 percent testing. As borrower did choose the provider from the SPL as their Settlement Agent, all Title Fees in Section B will be
included in the 10 percent tolerance testing. This results in a 10 percent tolerance violation of $509.00, as some of the Title fees increased or were added on the CD's without a valid COC. Provide a valid COC for these increases/additions
for review, OR provide borrower with a $509.00 refund, PCCD with cure, LOE and proof of delivery that includes tracking information.05/30/25 Client provided a 5/28 PCCD with cure, $509 refund check, LOE and proof of shipment.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 21 years.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 811 qual score; min 740.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 55mo. 0x30 mortgage payment history; 0x30x24 required.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 32.06% DTI; max 45%.
|
Client Complete
|
|
13217B42-F856-49A3-9F0D-222942EC195D
|
XXXXXX
|
UT
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 37.18% DTI below guideline requirement of 45%.
CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments: 0 x 30 for 43 months per CBR
|
Client Complete
|
|||||||||||||||
|
CDED7B63-5C82-4C6B-B857-CFF9C75299FC
|
XXXXXX
|
GA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: Qualifying credit score 757
CFCFS1739: Postive mortgage payment history
- Clayton Comments: Good mortgage history 40 months 0x30
|
Client Complete
|
|||||||||||||||
|
B078679F-4C88-45F7-B613-576EF25B78B0
|
XXXXXX
|
FL
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- Clayton Comments: Borrower has been in the same residence for 13 years.
CFCFS2854: Significant time in profession
- Clayton Comments: Borrower has been in the same profession for 20 years.
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; max 85%.
|
Client Complete
|
|||||||||||||||
|
63BF706D-217F-449B-AEFA-B5B07647C8EC
|
XXXXXX
|
ID
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- Clayton Comments: XX.XX% CLTV; 80% max allowed.
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 784 qualifying score; 680 required.
CFCFS1736: Significant time at current residence
- Clayton Comments: 11 years, 4 months at current residence.
CFCFS2854: Significant time in profession
- Clayton Comments: 37 years, 5 months in profession.
|
Client Complete
|
|||||||||||||||
|
E43E439D-98FE-4FDE-8899-CF67A2EF06F4
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPROR1911
|
Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor
|
No
|
Loan is stand alone 2nd lien. Incorrect H9 ROR form was used instead of H8 form. Condition is pending receiving correct version of NORTCs to all entitled
to rescind to re-open rescission with dates allowing for method of delivery, PCD, LOE and proof of shipment with tracking.
|
06/13/25 Client provided 3 copies of a correct H-8 ROR form, e-signed by borrower on XXX, with tracking and new Expiration at midnight on XXX. Condition
remains for the new rescission period to expire.06/17/25 The new rescission period is now expired.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 762 score with 680 Min required
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 7 years at current job
|
Client Complete
|
|
E43E439D-98FE-4FDE-8899-CF67A2EF06F4
|
XXXXXX
|
MA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
File is missing the Hazard insurance policy
|
5.29.2025 Client provided HOI prior and current policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 762 score with 680 Min required
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 7 years at current job
|
Client Complete
|
|
1553FAB3-EDA9-4D3E-8C81-B2689DE9A7BC
|
XXXXXX
|
CA
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- Clayton Comments: 762 qualifying score; 680 minimum required.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 13 years, 5 months at current job.
|
Client Complete
|
|||||||||||||||
|
0E705D66-49E1-4BB4-BAC7-D1F909551C9A
|
XXXXXX
|
NH
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Hazard coverage including other structures $327,800. Combined UPB including senior lien $XXX.
|
2.4.2025 Client provided HOI estimated replacement cost, HOI reflect sufficient coverage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- Clayton Comments: 25 years at current residence.
CFCFS1734: Borrower has significant time at current job
- Clayton Comments: 37 years, 5 months at current job.
CFCFS1744: DTI below guideline requirement
- Clayton Comments: 35.93% DTI; 45% max allowed.
|
Client Complete
|
|
Client Name:
|
|||||||||||||||||||
|
Client Project Name:
|
GSMBS 2026-CES4
|
||||||||||||||||||
|
Start - End Dates:
|
7/05/2024 - 12/26/2025
|
||||||||||||||||||
|
Deal Loan Count:
|
395
|
||||||||||||||||||
|
Conditions Report 2.0
|
|||||||||||||||||||
|
Loans in Report:
|
395
|
||||||||||||||||||
|
Loans with Conditions:
|
115
|
||||||||||||||||||
|
Loan Number
|
Lender Application Date
|
Broker Application Date
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial DBRS, KBRA, S&P Overall Loan Grade
|
Final DBRS, KBRA, S&P Overall Loan Grade
|
Initial DBRS, KBRA, S&P Credit Loan Grade
|
Final DBRS, KBRA, S&P Credit Loan Grade
|
Initial DBRS, KBRA, S&P Property Valuations Loan Grade
|
Final DBRS, KBRA, S&P Property Valuations Loan Grade
|
Initial DBRS, KBRA, S&P Compliance Loan Grade
|
Final DBRS, KBRA, S&P Compliance Loan Grade
|
Did Lender Acknowledge Exception at Origination
|
|
96B1228D-1D38-4E4E-943F-6C66F079A9ED
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
09F767A6-417F-4DBD-8CCB-46A28A72FF0B
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
No
|
|
8C13CD7D-6200-41C2-8AD2-9F8E39ECCBCF
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
E9469A52-BC6B-46ED-BD52-0310B83FAF45
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
No
|
|
93E95143-626B-47D2-BC8D-4DA0B274DA87
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
3192EFB3-A74D-46E5-B3AD-2268F42C78F9
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
D
|
N/A
|
D
|
B
|
Not Applicable
|
|
85B242F4-C52C-4A75-895B-DDEB3747B7F2
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
No
|
|
2F7A65A5-4BC5-4634-B201-5F3EF2ECE259
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
Not Applicable
|
|
DC3BD132-ABB7-48A6-AAC9-51560ACE17EF
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
529D46B0-96D2-48AE-8512-75743BE92D5C
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
7D5BC2F0-73CC-4D7E-A4A9-AA94083C6491
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
0CBDF7A4-DE7D-4240-BB98-B57222B72184
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
N/A
|
C
|
B
|
No
|
|
A4CEF5F3-4F60-4F63-978B-FECB0CF81624
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
06A5FD19-1EF5-4BC6-9008-836A430CEAAA
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
33F4CD02-71A5-4958-8953-1A23F32E1F00
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
D2CB6425-66FA-4E30-8B78-9403FCBC6729
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
No
|
|
51584BB1-59DF-4C4C-9D95-8DA52AE710A7
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ED8D6061-2C53-4CC7-8D76-4CAFCB951D72
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
N/A
|
N/A
|
D
|
B
|
Not Applicable
|
|
CA74A609-BF60-4D06-A0AE-510681A8EA2C
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
C
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
DF533871-50E5-44FF-AF7D-005DEFD3F00E
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F1A7E4DA-689F-45DC-9A16-58B8D02471A6
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
64724DD3-905C-4054-BEF2-BF5121CF726E
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
C6B33108-7EFD-4C48-886A-643CBF693985
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
EE6CF0F2-CEA6-4A56-8557-86F46FAC1BBA
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
BE11E4CA-819D-4586-833B-CD994E737956
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
A4F2D2F3-B0D3-453D-B168-CA4980314029
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
F31FA557-8254-4473-9349-1207CDC87610
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9E058D9D-0A72-40B8-97E5-A3C705E2C7BC
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
47258A24-664E-4102-8933-7251B2085FDF
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
0226EE6A-C505-4124-BD2A-E0B987AFBD27
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7AC46BC7-C606-477B-A9A3-F7F06867F7DA
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
B
|
N/A
|
N/A
|
D
|
B
|
No
|
|
2ADC0BD9-384D-498E-B197-C1415732D7F8
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6919CF91-0B6A-4FBE-88CE-031B3CD3A475
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
63D83E9C-942A-4CDA-A4D2-DF74F09852CA
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
0229CF2D-BAD4-4DBA-B549-A0C6DFD0A066
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4B2009A0-F585-42B6-83FC-32772BF838A6
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
361F81DD-0765-42EC-91F5-B3D916427382
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C902BE8E-378F-43E3-B87B-A8ED51708ABF
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
CC17036D-AD6B-421C-ABAB-E54089F54C82
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
39B89A66-A693-48D7-829C-0612AC7C9891
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
606DE9B1-0ECA-40D9-96C4-EB41AA2427F3
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0F852F55-E8AD-4A58-9B6F-A29F2DA0EC66
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E2B5D84D-C4D7-4E01-883D-12717B938C7B
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
B69CFD8C-50A8-4CC6-A333-4AB47C363B07
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
D7C05336-ADEF-40C2-AE61-7F71D374175F
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
832CC595-3507-4454-A7AB-D4BF8B72FF7D
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
A
|
A
|
Not Applicable
|
|
C0F975B0-B4DB-4425-A537-E99DD2230B3E
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
3BCDE07E-9EC9-439D-BB57-6F17A1F200E8
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9CC53078-5C22-432D-9F98-694E02D990D8
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9B82D736-0915-4E01-8764-8EDF3CD90662
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
590FD3F7-989E-4517-A694-3B91D1594704
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
73A93BAD-3AF9-486C-8DF9-8962D6366E57
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
4F9BA5F2-4EB9-44EA-8876-AD3C8B597A52
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7B279223-C091-48FF-A031-D16F229ECA08
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ABE6B7A2-D5FA-42E0-88E1-F01B7F6370B1
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
24DFFC24-3774-4BAC-9E46-8F406BBED545
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F47DC772-DC60-490E-B0BB-3D5B8752541C
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
No
|
|
EC8F7404-07E0-41F8-9FB4-4FC46F3F6183
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
27401E73-9DBD-4C7A-8D5E-9475F241AF3F
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
BA34F6D5-4C87-4E7C-81E3-0B2446F98451
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
74520D7C-E830-45BE-A29B-F8BB49943052
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C876190F-AC25-438E-88E3-9268A586C006
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BCBC5EBF-DEFE-4F13-B4FD-E2FA9DBA634D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8B3E76E7-B3CE-4090-B471-944A9C639714
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
0E70F8A8-CD04-4D4C-B664-76830C9BBF15
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
D067C62A-1BFC-41BB-A9BD-FA4CB6F8C2E9
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
39A1960E-7D6C-4717-B09C-BFA8EAFD36B7
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
99CD68B7-056E-4B2A-917D-205248C4D570
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
74A87E58-640F-43D8-8F8F-10FD7044DBB0
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CC8FC5FC-C960-418A-87CA-5FE73F6CC809
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
2660D719-AFC8-49FF-AF09-2718D1A50F8F
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
F78C1490-8DC9-4083-A4A1-AADC05CDC589
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
645CA2C8-5EAA-4666-ADB1-F52F6B8BC7A5
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A37C05CE-CF93-4FE0-8B7A-307EC99C7699
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E4550C0A-FA6A-4055-B51C-969742739E54
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
C49AD9EE-BE8F-4636-9334-CB824F48BDD1
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
21EB0D19-B41F-4E49-BA5B-9CC3BD57C248
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
458793A5-4DD4-4C3B-99C0-C0AD7F55D208
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
299E51FE-3D39-4EDC-8CFD-3AEBB4EAE72A
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A9B5287B-6524-4958-9A39-6D7120A0D904
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
23262DFD-5CB0-4A88-9D12-FE5EB62F683D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
71A6C215-40BB-4D2A-9054-9DA478DF92E0
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
27673987-883E-46B2-BC1F-E2F0299649F3
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F3545942-768C-45A7-B14C-D8FBA876B56B
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0ADBEC90-972D-467A-ABBD-1002E2E83A32
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D8C55669-E40F-436A-8180-F1F070E4FE82
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
19B12944-298C-46E9-8AEE-857C28BBD182
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9C450380-1077-4F2B-A305-861997F0B9B8
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E50A750F-417D-46C8-9F8F-A25839A29E74
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4468BFA6-F12A-4664-A705-EC68350491F7
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
8C29D19C-271B-4CB1-8CEA-FD430855861F
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A2E4C065-17D1-4D59-A282-C8CA0EE0E340
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
02FF4EA9-3FC7-4605-A931-2BCFEDA327F0
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8E08C616-06CE-4BC9-B815-913EB21C13E7
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DFF0351C-C932-46E1-B225-ABDC526504E4
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6509C7CE-A673-481D-AC7C-776BC29F917A
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
26F6E631-1842-430E-AD8F-837A23FD6F69
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
683EA2D7-1A6A-44D3-AEB2-22D7086A6BCD
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
B67F91A3-831D-4472-B9E6-BC20CEF8DCBA
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FA747219-7048-4BE7-93A9-269979B6DC62
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C189E75E-0339-49A8-966F-A71FDBB8A758
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
EE82229A-0928-44F0-BF00-BC26B974CBCB
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
4799F767-C97E-46B5-BBE0-BFA791F0E87A
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D0B83130-96F9-41D1-A9D5-117E17E914A2
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
15F175C4-90A5-425C-8482-1B280A1D3611
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7E1186F6-CB49-4D58-98EC-2ABCA579269B
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5FC1E316-F565-491F-80E9-EDB49808E476
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
6FCE6E6D-2948-4BC5-A3A0-06BE792E318F
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
2A1775B0-949F-496B-9647-3FFD17503D7D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D909AAEA-0453-4D84-AFA1-F754BE847A9B
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
B2F53C39-CC94-4A44-9EF2-5135B1FEC50B
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
69E8475D-B607-48E1-A096-55466366CCF7
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A8089E62-FEA4-4227-B9DA-1B082D98F81E
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
053EFE44-40C1-46E1-8043-52348398034B
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3F4E6F90-FE5D-4C11-AFFB-7CDDBB8A4FE8
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A3C043FE-3764-47ED-B4B5-6B95B3E76117
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A2FF149D-C742-482C-85A3-300682E5E42F
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7C83CE38-685B-47DC-A7CA-5469285DBDD8
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
55F50A6F-DA3E-4D94-803F-A11B587CCF7A
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1B507F4D-CBB7-4ADD-8D21-B9E17DBAAD64
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
32BB403F-A4EA-4194-B19E-BEDEA061F9C8
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E6B5D9EB-6AEA-47F5-B95F-5D3D1AF6F8D0
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
57E480A8-B0FF-42A3-8187-E69A745C88DE
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
50C613B3-C0CF-4BCE-B27A-3EFBF4216D5F
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DBAD411A-7009-4911-BDEE-C03A0A4DCB19
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
893BDD85-C875-4F02-99FF-F13CB0B64753
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8B4F99B6-9811-470C-B9DC-898B9F4DB141
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C2BBBD5F-7F33-4E3B-AFB7-94468B7C701C
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A92BBF64-FF5D-47FF-8397-570C943A96B9
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
12587C19-7E2F-4099-A4AD-017E230D4D64
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9CA492D0-C060-4CDA-86B4-BAEE1D53A272
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D59B8F02-33B9-4B5B-BC6E-4782A269E286
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
92CFDECA-9112-4DE7-998E-4FC4AF93CB60
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E7C00AD8-CFFE-4196-9D7A-C5B92304649D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1A1E89E2-2140-4442-BE95-B4221264BC09
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8F8C1533-43A9-4BC4-9990-6C8272D92BC6
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
81435103-5AF4-4AED-9A2A-3659AF5CC121
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A129E86C-3E04-458A-9BC0-10A6EE404C17
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
N/A
|
N/A
|
A
|
A
|
No
|
|
170ECAF1-E792-4CBA-9C52-D5FC931EA536
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
AADD4C05-113A-4AA1-8DE1-F5BA97AECA14
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
No
|
|
B456E6ED-FE07-4026-86DB-B31C64F86594
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
B71F80A1-8A7D-490A-8D9B-E3472E5D2E8F
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E73C689A-F275-4547-8A48-4F1673D3C888
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
C6B3F536-04C4-4EE0-8818-C6067D37100B
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
23BD1B56-A235-48B6-B994-3762B6D7DDF5
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FF2B54D6-5D51-431F-933F-12F194601F94
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8491492D-E062-442C-84B6-B1D837CEC654
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
92D23804-DAC0-4CB1-8AE8-63852945EFFE
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
1999C1DB-A171-4FC1-8F92-1BB2EF1972E4
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A7068DAF-AD27-408A-8C1C-10F1ECEA8F40
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
93B3DADD-0D59-4DE0-9A08-CA81D36FD56B
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9A0908A6-1CD3-414A-B2C3-C48B9EFC2E35
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
B98A6DD7-6309-44D1-82BA-DB511BAAAD38
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A7C22CF1-DA56-4C2D-AC90-5B39896D3B3B
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
05FC7397-94A9-43BD-A16B-A1786165113B
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9912A768-7734-410D-8316-1D605535C5C1
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
21C4F1AB-41E6-46FF-87E4-D5D0191840F3
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
139706F8-B2B2-4B29-A758-E103DEF63529
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E8D9D8F7-9D5C-4868-9AC6-A168E6E75880
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FAAD691E-3633-4807-932F-F8EAE113233C
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
6BA56254-AFDE-46BD-8E7D-4F9DDA529361
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
088A987D-54B0-4721-9837-7FEFD7BA8670
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
2E20BCB4-D1DE-44DD-8924-3B6E6392764A
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4847771C-256A-4918-8BEF-37492BB9346F
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
73E8A8D2-BB65-45B4-B665-4D7A51BE8DF5
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B697F282-DE0A-4877-99AA-84A152C732BE
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
11DF00D7-D0EE-44DB-A0DF-F3779DB6F3F3
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
2A82629B-09C9-4DB7-BEDF-9C89CF129B21
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
73E27B14-5789-435C-AFAF-F838F641B641
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
4FCABF1A-823F-425B-BE30-C23B852E4309
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
093E163F-BF76-4BCB-9108-694EF30473E5
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2C427F42-772F-4902-958B-99BDB16133BE
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4860824D-3F60-4DC2-8023-CBA33908A1E9
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3C09059F-4BB5-4633-9997-2BB7F86F5038
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D768200F-3614-4813-AD35-2421CA22662C
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
1099B0EC-6F8A-4D8D-8305-7B9B55C1EA0E
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E147B6A7-7D3B-4B0B-BF5A-59992AEA78E0
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
56058946-D273-4685-82A9-861FB2D82A5E
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F87D8DCB-7A77-42AC-8173-658E20298DC2
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
0786421E-8511-45E5-848B-78097E7D595B
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DC4C3561-BC1B-40A5-9C8D-D3C060AC7733
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
541F8A30-94B1-45F8-8045-0E83673EA205
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FE522591-D2FB-4D96-A21C-12BE8166205C
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
0511498C-37CA-46B3-9001-C4DE1F739BEA
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C1144C8B-DD90-4233-A8D8-5D9E33B5AC00
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7C12F0B5-76F2-403C-B2AB-66714F3C1405
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
294FEA00-687C-4920-8239-C30786EAE5B1
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
50A9D17E-E326-4C39-9445-C0EE26C0AA42
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
47BEA2C8-0CE8-41E0-A6F8-5DCFF17DD0E8
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
8D0879FE-97DB-4D07-80D9-ABA81CB0D6C1
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
3CA14913-F960-474E-8AAC-81EFA8861A85
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
93568085-C3ED-48D5-8DD7-DABD6395F299
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D397802A-C31C-4300-8521-70077E75D9DF
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1370CF73-8409-48D0-9736-A53566E89CD2
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A89DFC4F-00E2-4C20-BF29-5CC8F5B2A914
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
786289FA-EA6B-4578-BA3D-3F92F5951FD6
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
4C0A19FA-AD0E-4D72-9675-70637C23F811
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
48F6D108-6B41-4E44-89A3-D0EBF0C60377
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2F2F6A8D-6609-430C-8CE2-66CE90EB967A
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
43D6D264-A69B-42FE-BE2E-5C32EC76628F
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
81747286-583A-4C1F-AA0F-C20148828007
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
64F8D93E-9EA6-4B90-94BB-1117EAD6BEE7
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
E6393C1E-6167-45F8-BCB1-BD4F2A19916E
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D7BD6CAC-0979-4F2D-86B5-9A4D8FAEEF46
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
77A79904-9878-41CB-A310-1E784C5F0212
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
BAED0614-3DE5-4D14-AC71-14B814F35918
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
96AF0BC9-B013-4B70-8784-20137619111E
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4302C556-4E19-42D8-9C79-CFB31ED4B7E2
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4D432C8B-3B89-4A56-92E2-DD7885F7D61C
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A15111F4-73E6-467E-99EA-2685D50CB4FD
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0119A4C3-FF4E-4818-9B17-AFF37C382DD0
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
423C2EFA-5009-489E-A28A-918FE6400846
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
82A380C8-F2A5-4B4B-80BB-C9C4DBF04E3E
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F2BE0320-484B-4F67-88B7-B22FCDC583BA
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
50E71693-E7C6-421C-ABED-E13F493BDF97
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DB718050-038F-4F72-8200-F88B2124C234
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1DB061AC-B9D4-45B9-9E70-1C70E23E2885
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
No
|
|
C22380E0-93F4-4F8C-AA09-53F66959EE38
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6C3DD7F9-140D-42F3-8749-7BA4C3EDCBF8
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2424A1FF-42FB-4FD8-AD10-8B11F297209D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0E0D4A7D-1374-4E2B-B2A0-C9B51D5E39A2
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
39B66688-8AD4-488A-9436-103B34618A12
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A0FCEF83-8AFD-4B88-A999-4050EDAC3346
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A404C3C3-A9AC-4787-9124-F0A37E3FB2D8
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4E7FE0F6-51F8-4653-9A3F-90FBDB4B18BE
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A75A37F4-04B0-4FFF-9944-E6D21AE25870
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1B3DAD9B-8542-4F0E-86D1-6A5F1F84C772
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E6FDE400-8A24-4C86-808E-A2B4FFEE2CB5
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
D4D121CA-9FBB-4253-B35A-12D94ADF9C7C
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5FB4D25F-9799-443F-ABBC-4CF461630532
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
1695DC7D-C121-4BC9-8D73-4128FA05948B
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9CF945FC-E360-42D8-AC3C-4CC3CF12E754
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1E584734-28B4-4671-8D6C-F229814F646F
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
63222AB9-B9D8-4F01-8276-FB668BD33188
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
5174EF34-B76B-4EC7-90FA-219DB300C2DF
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
D506BF90-BB17-41D1-A049-BA1A81AE8086
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
341B78EF-DC73-4BBB-A403-507BAB0DF62B
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CE5B3D65-CE9D-4492-A61C-043DF623C60A
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
13D5838C-5BE5-4FA6-8E2B-BCE7AD216F19
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8BE5775B-4D38-4E0D-847E-DA96E3E122B2
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
21892943-77F9-4AE9-9B6E-92752FA5411E
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
07B7B0DE-71C8-4C75-9295-ED2EAF32A21D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
8B2BD113-AB16-49B4-BA75-3AF23CE59325
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A4062776-3D84-4E93-8F90-022246D6A5CF
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
60173B59-E627-451F-9992-7861B4E280B3
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9C72901F-1FDD-463F-9A40-3AB2B47EC0A9
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
N/A
|
A
|
A
|
No
|
|
12BCACC5-0E1E-42D1-87B0-A073007C9F7C
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A90574C4-62E2-4EAB-9ACD-35F10E68A349
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DF326B2B-05C0-4873-9E08-FC2D20A3B19D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CE5C41B1-A1A4-49BD-AAFE-4B6D82DB4485
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C913C720-29F5-4E1B-91A4-7F29036115FC
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
34D8A17D-1E5F-4A94-B026-E63BA50A5562
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C785CC4C-BE8F-445A-A179-31022290939E
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E3996371-F11C-45B2-8DD0-C1A533F82BF0
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
630EB73F-D81E-4E68-954B-2A39B36079C5
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
297EEA07-7735-458D-BCB8-C4EBFCF04C01
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
1B585F2C-0936-4AB7-A73A-5E75C2C2EC22
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E6A25EA3-04BB-4CE3-9454-18AA218E9030
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
61360344-4CBC-471D-9F69-EE030742FB6B
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
DFB2EDC2-B4B3-4F70-983E-0D4791FFF868
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B0DE56BB-580A-4FCC-A5F4-A08056786615
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
770FCE18-E5B2-4ECF-B295-E17F63E63DDE
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3D8AAD78-5649-428D-AA0F-A41966182C15
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
82FCD2A6-A568-41AC-88D4-15086F7F1271
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4748AA59-1FA0-4C40-A232-5DC1F933A9BE
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BA406928-02EE-41E7-A1E9-97ACCC2DC188
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
35BE225D-189C-479E-B927-71E6C87B864C
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
6B09C7C7-F347-4273-8950-F34CDACCE233
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7C2E4E58-B6CA-4888-955D-4380CFAAF3A1
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
12A35BA4-7065-4725-969F-3BF361359083
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BFFF5714-A5D6-4215-88DD-EAC859FAB137
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
48EC482E-DB41-4266-867B-6F9928794250
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F5CB9AB4-9FDA-429D-AFAB-6704034B83B7
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
425D3950-0A87-474F-8B50-FF259CC78377
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
185400DC-3252-4205-9E37-8FB018EA8185
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4EA28A8E-B28A-4BE5-B948-F979161154FB
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4C0E35BD-4648-4EE9-8C52-F79E1E765539
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
2C1CEE73-D5ED-4DCC-B4A7-FE7157EEFDF1
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
N/A
|
N/A
|
B
|
B
|
Not Applicable
|
|
3C7162BA-FEBC-496D-947B-5F7814475463
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9B243BB0-82B4-4086-97A2-C19D4194A77C
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DC55BA5A-49F9-445F-8A59-97EDA130EA50
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
667A2366-7B84-4676-8609-7B7F8D63DC19
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C1669568-F0C7-4CBB-8890-E2AB85B1C1C2
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
13D9E8BE-315D-46F2-8CA3-A45D99897DDB
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
8DD57B50-40F9-42B4-990E-302220FF702D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
67381B9B-FF95-439A-AB41-AF0D3C397C8C
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
90F52E26-DBA5-4B86-9022-9EA41FF8DF91
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4DA2F0D4-7683-4FB7-A821-F1CD1F2494F0
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B0623310-5950-4DB9-AAD8-89E85A26DD89
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3EB00ECD-89A9-4A01-96C8-ED822AE91753
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3AFB0E0F-8DE2-490A-A25B-F40531EB032C
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
D7F97888-365D-4357-AED0-81C845989492
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
FB7E75D4-10CB-4E95-B5FB-6BAF8D316DA1
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
N/A
|
N/A
|
A
|
A
|
Yes
|
|
404D598C-3F91-46C4-955D-8B0206D58C18
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
16BD61D7-6B32-4C0F-A8FD-443BC7F48BF3
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
21BD388E-E860-4476-8532-003A79ECCE73
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
N/A
|
N/A
|
D
|
B
|
No
|
|
E2C26873-5AA7-4953-BAF5-CBA51C05FFBD
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A5AB2CC2-E085-4617-B909-A790385AE414
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
68608EB4-7375-41E1-B9AF-677242601FDF
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7E11102B-ACA5-42AD-994C-157DE96498F1
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E0850F30-E62A-40D0-84E7-B6841344A824
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
D
|
B
|
Not Applicable
|
|
9DA30408-E97B-487D-83D9-18BE6EFBA2A3
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C296FF49-EA66-4968-8B85-8032F625EE8D
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
D
|
A
|
Not Applicable
|
|
265B5C2D-5FF6-42C7-87B0-6FB914BC897F
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1679AAFB-0994-4871-B7F4-F9467D1090F1
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
C1CCC3B0-E5DA-4863-A4DD-D5D3762FB41F
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1DB79FD7-8450-4B7A-80AE-34163F45E151
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
23ACE2A5-264E-49F7-AEFA-52989A99E857
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BD098C66-C40B-4655-818E-9F3DECD0FE2E
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
2C185F49-5518-4679-AD37-CC9D34510DC2
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
91633D1E-2D70-4AF2-B7EB-33021CA5AB00
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
CFBD1D6F-005B-48F9-8540-19CE67DE95F9
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
34CBE7D8-6864-430F-A756-C48E0B6B8705
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BD7A10E1-EE87-4923-8441-AA58B2921410
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
8CDB7356-498A-4689-B12C-67D8FBF46914
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
51BCC2A8-5313-4014-B498-BC03A6CCF290
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
A5114860-CE2F-4AF5-9E5F-1FC2BA80ED97
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A65119CC-F9AC-41E1-8735-DC88E60E0F3D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
7247080A-A330-471D-8F58-EF4C8A1708CA
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
74362D05-984E-4666-91FA-14D5F5C440DE
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
72DBB4AF-054C-4AB5-AC54-3BF9A5C88E2B
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
FFDA1905-6EA5-4416-84B1-731305E4715F
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0BC3C1A5-B56D-46C8-A5FB-4CBDEC0B1472
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
86947754-8A06-483C-A3CC-CD5978F0FEAA
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
9E01117E-6920-484E-BA31-8264E01E8866
|
XXXXXX
|
XXXXXX
|
C
|
B
|
B
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
B
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
9909825E-C890-41FC-B8AA-9F999527C544
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
BEB80861-DB4E-4009-8D1C-DC78DE1E9BC8
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
71F53E1C-2EFC-4495-BF46-395294382465
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
700CFA3E-42C1-4D77-9AD0-B6712372CE35
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B5382CFE-0B69-4B80-9E78-BEC8564D9E7E
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
B4B0F207-A802-47B6-946C-D796E572BFFF
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
FA1CD780-EE7A-4FFF-BE5C-DFBD38A8C5E2
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
07D3B04C-37AF-4723-92B8-8340D57E3BAF
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
No
|
|
86BCC545-8718-4052-851B-F8A6B2E15C39
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
N/A
|
N/A
|
B
|
A
|
Not Applicable
|
|
89C8A5AF-A283-412F-A985-C5DC600DC391
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
AABA4CF3-860C-4D39-A277-9AFD996CCFD3
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
45B1BB83-8EEA-4462-8498-D37F634CFCB4
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
004AEDC4-D449-4363-B7EF-547E1FF8BADC
|
XXXXXX
|
XXXXXX
|
D
|
B
|
B
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
B
|
B
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
771294A7-CBDF-4754-B639-45D0AA77594C
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DE1BA18A-072D-4ECE-B5FB-A730F9FD6627
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
F14AFB1B-EE4D-4176-9E89-DF641681DD43
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3BD6A495-7F54-4B71-BAE8-EB89A296FA17
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
BF2CCD6D-A906-49B6-A516-AE2DD3FDE43B
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C7571019-49EB-4FC6-8F69-1B8E7E80B7C8
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
17893314-25FD-40C1-93DD-FD26E42E08DB
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
44E2F882-C775-450C-A6A6-E4F514A174DF
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DDCD8A0C-8293-4AF1-AB65-230E6A1B5D4E
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
N/A
|
D
|
A
|
No
|
|
2D791CDA-9D09-4E87-96E3-CF023A26688C
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
40B27770-71C9-4ED8-A329-F8D19F1C82D8
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
9F66BB39-46A2-4B83-8426-FCCDBF467517
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
1493BA0E-5DDD-410A-AECA-05A7AEC6D8C0
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B01AB618-5E0F-4D3D-A1AB-2FE5AAF19170
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
4B16D538-2FAE-4E53-B5E3-EDCF57AA156C
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
E51856E1-A7E4-4A7D-A3CE-B083DC5E0011
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Yes
|
|
0BC548AA-E21A-4CEC-B298-7F3FB5641A74
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
2BE095C4-64AC-4F05-A6E4-04D7A759D689
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B76C759B-E7F2-48F2-8AFE-FF8E4CEB003A
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
N/A
|
N/A
|
D
|
A
|
No
|
|
4CE154C7-D5AD-4F65-A43C-DAB3588DC158
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
8A1455BD-F0B4-4787-8F9C-63750844B383
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
DD7EC4C8-7AC4-4BA6-8E9E-204262535290
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C30D962B-10C2-4BF8-98E0-DF78F25D2CF7
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
DA06E0DB-38A8-44E5-91EF-09C658436E82
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
FD8D6850-E164-4F18-8DFF-2EFAFA7FBA5D
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
742E4453-A66A-43DC-87CF-0D5F0DE67DFB
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
N/A
|
B
|
B
|
No
|
|
07AEA114-3FE7-4C0A-BD26-BF93BA9DB250
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
64048F6F-4FE3-4474-8F84-81134D78F453
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
BEBB1E3D-CC0E-46D5-8BDA-654380CD55A8
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
0F7D3EF1-71DE-4D37-B96E-A318E27E3E78
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
ED5672AC-E28C-49DC-97A5-F00CD9107164
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
N/A
|
C
|
A
|
Not Applicable
|
|
E7F5EB77-DC8A-4E45-8A62-1F48CEF935EA
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
N/A
|
N/A
|
C
|
A
|
No
|
|
FF1A4940-F3C7-45F3-8DD0-98F72D59CE43
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
196E8D04-54E3-42C2-ABF9-2D3A7ACEFB6D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
175331FD-AAA3-4435-B088-B584094A2EF8
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
76BAFA43-3BC0-4AD5-A445-DE11FB286EC9
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
A0AEBEAF-06EB-4A55-B731-1DFC12EBAE14
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
475850F8-BE06-497B-AD29-1D11F9835C88
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
N/A
|
N/A
|
C
|
A
|
Not Applicable
|
|
C35F242B-6EDD-44D1-98C4-40AF627096E2
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3C1A289F-786B-4BE2-A9D4-213FE7CA29D1
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
13217B42-F856-49A3-9F0D-222942EC195D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
CDED7B63-5C82-4C6B-B857-CFF9C75299FC
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B078679F-4C88-45F7-B613-576EF25B78B0
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
No
|
|
63BF706D-217F-449B-AEFA-B5B07647C8EC
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
N/A
|
N/A
|
D
|
A
|
Not Applicable
|
|
E43E439D-98FE-4FDE-8899-CF67A2EF06F4
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
1553FAB3-EDA9-4D3E-8C81-B2689DE9A7BC
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0E705D66-49E1-4BB4-BAC7-D1F909551C9A
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
475850F8-BE06-497B-AD29-1D11F9835C88
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
C35F242B-6EDD-44D1-98C4-40AF627096E2
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
3C1A289F-786B-4BE2-A9D4-213FE7CA29D1
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
13217B42-F856-49A3-9F0D-222942EC195D
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
CDED7B63-5C82-4C6B-B857-CFF9C75299FC
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
B078679F-4C88-45F7-B613-576EF25B78B0
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
63BF706D-217F-449B-AEFA-B5B07647C8EC
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
E43E439D-98FE-4FDE-8899-CF67A2EF06F4
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
N/A
|
N/A
|
C
|
B
|
Not Applicable
|
|
1553FAB3-EDA9-4D3E-8C81-B2689DE9A7BC
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|
|
0E705D66-49E1-4BB4-BAC7-D1F909551C9A
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
N/A
|
N/A
|
A
|
A
|
Not Applicable
|