| Client Name: | ||||
| Client Project Name: | ACRA 2024-NQM1 | |||
| Start - End Dates: | 5/22/2024 - 8/27/2024 | |||
| Deal Loan Count: | 568 | |||
| Conditions Report 2.0 | ||||
| Loans in Report: | 568 | |||
| Loans with Conditions: | 213 | |||
| 0 - Total Active Conditions | ||||||
| 150 - Total Satisfied Conditions | ||||||
| 72 - Credit Review Scope | ||||||
| 7 - Category: Application | ||||||
| 8 - Category: Assets | ||||||
| 1 - Category: Credit/Mtg History | ||||||
| 6 - Category: DTI | ||||||
| 13 - Category: Income/Employment | ||||||
| 15 - Category: Insurance | ||||||
| 9 - Category: Legal Documents | ||||||
| 3 - Category: LTV/CLTV | ||||||
| 5 - Category: Terms/Guidelines | ||||||
| 5 - Category: Title | ||||||
| 32 - Property Valuations Review Scope | ||||||
| 15 - Category: Appraisal | ||||||
| 15 - Category: FEMA | ||||||
| 1 - Category: Property | ||||||
| 1 - Category: Value | ||||||
| 46 - Compliance Review Scope | ||||||
| 4 - Category: Compliance Manual | ||||||
| 1 - Category: Documentation | ||||||
| 2 - Category: Finance Charge Tolerance | ||||||
| 39 - Category: TILA/RESPA Integrated Disclosure | ||||||
| 156 - Total Waived Conditions | ||||||
| 144 - Credit Review Scope | ||||||
| 2 - Category: Application | ||||||
| 14 - Category: Assets | ||||||
| 58 - Category: Credit/Mtg History | ||||||
| 1 - Category: DTI | ||||||
| 11 - Category: Income/Employment | ||||||
| 1 - Category: Insurance | ||||||
| 36 - Category: LTV/CLTV | ||||||
| 1 - Category: Potential Misrepresentation | ||||||
| 20 - Category: Terms/Guidelines | ||||||
| 10 - Property Valuations Review Scope | ||||||
| 1 - Category: Appraisal | ||||||
| 3 - Category: FEMA | ||||||
| 6 - Category: Property | ||||||
| 2 - Compliance Review Scope | ||||||
| 1 - Category: Documentation | ||||||
| 1 - Category: TILA/RESPA Integrated Disclosure | ||||||
| ©2024 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: | ACRA 2024-NQM1 | |||
| Start - End Dates: | 5/22/2024 - 8/27/2024 | |||
| Deal Loan Count: | 568 | |||
| Conditions Report 2.0 | ||||
| Loans in Report: | 568 | |||
| Loans with Conditions: | 213 | |||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors |
| 900001 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x30. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 717 exceeds min score requirement of 700. | |||||||||||||||
| 900002 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 731 exceeds min score requirement of 725. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x32. | |||||||||||||||
| 900003 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 731 exceeds min score requirement of 725. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x32. | |||||||||||||||
| 900004 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 50% is below max LTV of 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $263,217.94. CTC $205,187.32 leaving reserves of $58,030.62 or 25 mos CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 731 exceeds min score requirement of 725. | |||||||||||||||
| 900005 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 70% exceeds max LTV requirement of 65% for DSCR < 1.09%. Subject DSCR 1.0255%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 679 exceeds min score requirement of 675. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x79. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $71,061.54. CTC $29,514.17 leaves reserves of $41,547.37 or 5.46 mos. |
| 900006 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $2,550,645 exceed guidelines $0. | |||||||||||||||
| 900007 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | Property Valuations | Property | Waived | C | B | C | B | PRVAPROP179 | Condition of Subject Below Average | No | Appraisal for subject is listed in Fair condition | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x33. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 785 exceeds min score requirement of 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $167,263.07. CTC $108,888.76 leaving reserves of $58,374.31 or 22.78 mos. |
| 900008 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $738,940.10. CTC $335,397.75 leaving reserves of $403,542.35 or 19.59 mos | |||||||||||||||
| 900009 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 37.04% is below max LTV of 65%. | |||||||||||||||
| 900010 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 47.21% is below guideline requirements of 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 qualifying score. Min required per guidelines is 700. | |||||||||||||||
| 900011 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV of 75%; subject is 80% LTV. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 27 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $327,575.33 or 158.54 months PITIA, guidelines required 0 months PITIA. |
| 900012 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide verification of PITI for REO located on XXX of $XXX. Audit calculated at $4,783.71. DTI exceeds 50.49% if not verified. | 6/18/24- Uploading updated ULAW, VOM with proof of impounds and business bank statements showing that the business is paying the escrowed first and second and the financial responsibility is being removed from the borrower. | 6/18/24- Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 21 years. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 50 years. |
| 900012 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Provide documentation to support rent income of $3,000 per month for REO on XXX. | 6/18/24- No longer used. Mtg paid by business. Documentation provided. | 6/18/24- Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 21 years. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 50 years. |
| 900013 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing documentation for 2nd Guarantor that is listed as a XXX. | 8/2/2024- Citizenship documentation provided as required. | 8/2/2024- Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 648 exceeds min score requirement of 625. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.01% is below max DTI of 50%. |
| 900014 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | 27 financed properties exceeds max allowable. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 697 exceeds min score requirement of 675. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x26. |
| 900014 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Min Loan amount for IO >/= XXX. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 697 exceeds min score requirement of 675. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x26. |
| 900015 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 54.43% is below max LTV of 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 636 exceeds min score requirement of 625. | |||||||||||||||
| 900016 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 3 years and 11 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 694 qualifying score. Min required per guidelines is 675. | |||||||||||||||
| 900017 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Mortgage payment reduction from $1475.03 to $1168.60. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 656 exceeds min score requirement of 650. | |||||||||||||||
| 900018 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% exceeds max LTV of 75% for loan amt < $200K. Lender exception approval provided | 7/3/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x31. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 730 exceeds min score requirement of 725. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $113,963.15. CTC $13,003.32 leaving reserves of $100,959.83 or 50.69 mos |
| 900019 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Third party fraud report in file is expired. Provided updated fraud report. | 08/08/2024 lender provided XXX Report | 08/08/2024 exception satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 48.91% is below max LTV of 55% |
| 900019 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | No inspection since the Fema Disaster- XXX- Hurricane XXX | 08/14/2024 lender provided Post Disaster Inspection Report | 08/14/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 48.91% is below max LTV of 55% |
| 900020 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65% is below max LTV of 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $17,123.98. CTC $6,859.81 leaves reserves of $10,264.17 or 7.26 mos | |||||||||||||||
| 900021 | XXXXXX | MN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55% is below max LTV of 75%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x36. | |||||||||||||||
| 900022 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 643 exceeds min score requirement of 625. | |||||||||||||||
| 900023 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | Credit score of 643 is below minimum credit score of 650 for Rural Property. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 52.15%; max allowed per guidelines is 65%. |
| 900023 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Per guidelines, Minimum 1.1 DSCR is required for rural property. DSCR is calculated at 1.0060. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 52.15%; max allowed per guidelines is 65%. |
| 900024 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV of 75% exceeds max LTV requirements of 65% for a No ratio loan. Lender exception approval provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 763 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x88. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets/reserves $16,013.34 or 3.10 mos. |
| 900024 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. | 08/01/2024 lender provided Desk review | 08/01/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 763 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x88. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets/reserves $16,013.34 or 3.10 mos. |
| 900025 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 711 exceeds min score requirement of 700. | |||||||||||||||
| 900026 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 15 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 | |||||||||||||||
| 900027 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.14% is below max LTV of 65%. | |||||||||||||||
| 900028 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guarantor has no mtg or rental history and no open tradelines. | 7/3/24- Client acknowledged exception | final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 705 exceeds min score requirement of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $68,949.69. CTC $46,900.97 leaving reserves of $22,048.72 or 12.78 mos |
| 900029 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2862 | Copy of Note in file is incomplete | No | Note reflects zip code XXX however should be XXX | 8.7.24 Response to client: First page of the note was received however all pages are required with the corrected zip code. Note and mortgage will need to be executed. Exception remains.8.16.24 Client provided corrected note. Exception satisfied. | Exception remains.Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 54.64% is below max LTV of 65%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x99. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 729 exceeds min score requirement of 725. |
| 900029 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Mortgage reflects zip code XXX however should be XXX | 8.16.24 Client provided corrected mortgage. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 54.64% is below max LTV of 65%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x99. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 729 exceeds min score requirement of 725. |
| 900030 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 43.29% is below max LTV of 65%. | |||||||||||||||
| 900031 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guarantor 1 only has 1 open tradeline. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 731 exceeds min score requirement of 725. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.39% is below max LTV of 75%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x59. |
| 900032 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.29% is below max LTV of 65%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $76,679.73. CTC $45,490.44 leaves reserves of $31,189.29 or 11.85 mos | |||||||||||||||
| 900033 | XXXXXX | NM | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 9 years and 5 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 682 qualifying score. Min required per guidelines is 675. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required. | |||||||||||||||
| 900034 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is a 55.28%; max allowed LTV per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 787; minimum required credit score per guidelines is 750. | |||||||||||||||
| 900035 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 712 exceeds guidelines 700. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 18 years. | |||||||||||||||
| 900036 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $93,899. CTC $25,672.63 leaves reserves of $68,226.37 or 42.23 mos CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 60% is below max LTV of 75%. | |||||||||||||||
| 900037 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x54. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 9.17% is below max DTI of 50%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 17 years. | |||||||||||||||
| 900038 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 qualifying score. Min required per guidelines is 725. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 50% is below guideline requirements of 65%. |
| 900039 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Subject HO6 policy did not verify sufficient rent loss coverage. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 34 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 800 exceeds guidelines 750. |
| 900039 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV 65% exceeds the maximum allowed of 55% for refinance transactions under the No Ratio Program. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 34 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 800 exceeds guidelines 750. |
| 900040 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective dated is XXX greater than the transaction date of XXX. | 08/02/2024 lender provided Final Settlement Statement reflecting correct closing date | 08/02/2024 exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves - $207,451.29 or 34.94 months PITIA reserves CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 10 years. |
| 900041 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX Fema Hurricane XXX | 07/23/2024 lender provided Post Disaster Inspection Report | 07/23/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 6 months at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 34.43%; max allowed per guidelines is 70%. |
| 900042 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 808 exceeds min score requirement of 750. CFCFS1736: Significant time at current residence - Clayton Comments: Co-borrower has been at current residence for over 10 years. | |||||||||||||||
| 900043 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | 76.79% did not meet the requirements, as it exceeds allowable LTV of 75% for non-warrantable condominium. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 9 years and 9 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with XXX for 7 years and 4 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 41 months when 12 months are required. |
| 900044 | XXXXXX | ME | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report, dated XXX, exceeds 90 days old at time of closing. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; max allowed per guidelines is 65%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $276,919.92 or 74.88 months PITI, guidelines required 0 months PITI. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 35 months when 12 months are required. |
| 900045 | XXXXXX | ME | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Missing updated credit report used in review. Credit report in file dated XXX is expired. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x35. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.20% is below max LTV of 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 666 exceeds min score requirement of 650. |
| 900046 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Loan LTV is 30.3% Max is 70% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 2 years 11 months. | |||||||||||||||
| 900047 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Per guidelines, minimum loan amount is XXX Subject loan amount is XXX. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 645 qualifying score. Min required per guidelines is 625. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $62,952.74 or 48.36 months PITI, guidelines required 0 months PITI. |
| 900048 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 34.21% is below guideline requirements of 65%. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 22 years. | |||||||||||||||
| 900049 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guidelines, maximum LTV for short term rental for cash out refinance is 65%. Subject LTV is 70%. Lender did provide an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 674 qualifying score. Min required per guidelines is 650. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 34 months when 12 months are required. |
| 900050 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years and 0 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 11 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900051 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 3 years and 1 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 14 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 685 qualifying score. Min required per guidelines is 675. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 33.51% | |||||||||||||||
| 900052 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 34 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65.01% is below max LTV of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x48. | |||||||||||||||
| 900788 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 761 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30.x60. | |||||||||||||||
| 900053 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 743 exceeds guidelines 725. | |||||||||||||||
| 900054 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 796 exceeds min score requirement of 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.19% is below max LTV of 75%. CFCFS1736: Significant time at current residence - Clayton Comments: Co-borrower has been at current residence for over 10 years. | |||||||||||||||
| 900055 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 50% is below max LTV of 65%. | |||||||||||||||
| 900056 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing leases for subject units XXX & XXX. | 7/3/24- Client uploaded leases for review | 7/3/24- Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers consumer credit history paid 0x30 since 9/2000. |
| 900056 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL4033 | Missing Legal Document(s) | No | Missing payoff statements from XXX on 1st & 2nd liens. | 7/3/24- Client uploaded payoffs for review | 7/3/24- Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers consumer credit history paid 0x30 since 9/2000. |
| 900056 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV107 | LTV Exception 5% or Less | No | LTV 70% exceeds the maximum for cash out refinance with credit score 620 of 65%. | 7/3/24- Client acknowledged exception | 7/3/24- Final grade B | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers consumer credit history paid 0x30 since 9/2000. |
| 900056 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lenders loan approval and underwriting matrix LAW. | 7/3/24- Client uploaded Approval and LAW | 7/3/24- Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers consumer credit history paid 0x30 since 9/2000. |
| 900056 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Missing appraisal report. | 7/3/24- Appraisal uploaded for review | 7/3/24- Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers consumer credit history paid 0x30 since 9/2000. |
| 900056 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Missing the appraisal for subject 3 unit property. | 7/3/24- Appraisal uploaded for review | 7/3/24- Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers consumer credit history paid 0x30 since 9/2000. |
| 900056 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | Property Valuations | FEMA | Satisfied | B | A | B | A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing appraisal report to determine if FEMA is applicable. | 7/3/24- Appraisal uploaded for review | 7/3/24- Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrowers consumer credit history paid 0x30 since 9/2000. |
| 900057 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since 8/2012. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.95% is below guideline requirement of 50%. | |||||||||||||||
| 900058 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 12/2014. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.00% is below guideline requirement of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 747 exceeds guidelines 725. | |||||||||||||||
| 900059 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH148 | Credit report stale dated at closing | No | Missing updated credit report. Credit report dated XXX expired on XXX. Note date XXX. | 08/14/2024 lender response: Updated ULAW with comp factors uploaded08/15/2024 client acknowledged exception | 08/14/2024 Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for Credit Score, Mortgage Payment History, Time in Residence.08/15/2024 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 709 exceeds min score requirement of 700. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for over 30 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x84. |
| 900060 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years at current reisdence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has excess reserves | |||||||||||||||
| 900061 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 68.31% is below max LTV of 70%. | |||||||||||||||
| 900062 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Satisfied | C | B | C | B | CRDLTV201 | LTV > 90% | No | Seller purchased subject property sold XXX for XXX and sold to borrower for XXX XXX. No improvements made to property. Purchase price XXX was not used to determine LTV of 112.12%. | 06/28/2024 lender response: Updated ULAW with comp factors uploaded | Based on using the appraised value due to Arms-length transaction and property not listed in MLS. Exception considered non-material. Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 8 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 2/2015. |
| 900062 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Satisfied | C | B | C | B | CRDLTV203 | CLTV > 100% | No | Seller purchased subject property sold XXX for XXX and sold to borrower for XXX XXX. No improvements made to property. Purchase price XXX was not used to determine LTV of 112.12%. | 06/28/2024 lender response: Updated ULAW with comp factors uploaded | Based on using the appraised value due to Arms-length transaction and property not listed in MLS. Exception considered non-material. Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 8 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 2/2015. |
| 900062 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Satisfied | C | B | C | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Seller purchased subject property sold XXX for $XXX and sold to borrower for $XXX XXX. No improvements made to property. Purchase price XXX was not used to determine LTV of 112.12%. | 06/28/2024 lender response: Updated ULAW with comp factors uploaded | Based on using the appraised value due to Arms-length transaction and property not listed in MLS. Exception considered non-material. Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 8 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 2/2015. |
| 900062 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Seller purchased subject property sold XXX for $XXX and sold to borrower for XXX XXX. No improvements made to property. Purchase price XXX was not used to determine LTV of 112.12%. | 06/28/2024 lender response: Updated ULAW with comp factors uploadedclient acknowledged exception | Based on using the appraised value due to Arms-length transaction and property not listed in MLS. Exception considered non-material. Final Grade BFinal grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 8 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 2/2015. |
| 900063 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 7.88% is below max DTI of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 656 exceeds min score requirement of 650. | |||||||||||||||
| 900064 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 686 qualifying score. Min required per guidelines is 675. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: On Open Mortgage payment history is 0 x 30 for 48 months when 12 months are required. | |||||||||||||||
| 900065 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for over 13 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 632 exceeds min score requirement of 625. | |||||||||||||||
| 900066 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years and 0 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 685 qualifying score. Min required per guidelines is 675. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets verified at $88,760.31 less cash from borrower $79,660.85 equals $9,099.46 or 4.11 months PITIA. No reserves required. | |||||||||||||||
| 900067 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing proof of coverage at the time of closing. Note date XXX. Date of Disbursement of XXX. Hazard insurance in file has effective date of XXX. | 07/15/2024 lender provided Hazard insurance policy | 07/15/2024 exception satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for over 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 780 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x73. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $73,483.34. CTC $41,973.83 leaves reserves of $31,509.51 or 10.03 mos. |
| 900067 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV of 75% exceeds max LTV of 65% for DSCR score less than 1%. Lender exception approval provided | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for over 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 780 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x73. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $73,483.34. CTC $41,973.83 leaves reserves of $31,509.51 or 10.03 mos. |
| 900068 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have been at current residence for over 11 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 36.76% is below max LTV of 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 812 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x60. | |||||||||||||||
| 900069 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report in file is dated XXX and is more than 90 days prior to the Note date of XXX. No updated credit report in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 747 qualifying score. Min required per guidelines is 725. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75%, Max 80% |
| 900070 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | D | B | A | A | D | B | N/A | N/A | D | B | A | A | D | B | N/A | N/A | Property Valuations | Property | Waived | D | B | D | B | PRVAPROP111 | Legal Nonconforming w/out Rebuild Letter | No | Subject is a two structure 7 total unit property that is legal nonconforming. Per appraisal of 50% destroyed new improvements would need to conform to current zoning of 2 units maximum. | 08/07/2024 lender response: this is acceptable per XXX; we would only reject the collateral if the destruction threshold was less than 50%.08/08/2024 client acknowledged exception | 08/07/2024 Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for Credit Score and Condition.08/08/2024 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 809 exceeds guidelines 750. |
| 900071 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 719; minimum required credit score per guidelines is 650. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 78.75%; max allowed LTV per guidelines is 80%. | |||||||||||||||
| 900072 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | Credit | Credit/Mtg History | Waived | N/A | B | N/A | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower only has 1 open tradeline. | Client acknowledged borrower only had 1 tradeline. | Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 801 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x54. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 1.20% is below max DTI of 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $696,737.45. CTC $248,464.35 leaves reserves of $448,273.10 or 58.89 mos |
| 900073 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: G1 has mortgage payment history 0x30 since 11/2018. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $35,408 exceed guidelines $0. | |||||||||||||||
| 900074 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 3 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets $120,714.71. Cash to close $113,410.12. Post-closing cash reserves $2,829.01. No Reserves Required. | |||||||||||||||
| 900075 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing 24 mos reserves as required per loan approval condition #XXX as subject has been previously listed for sale. | 07/18/2024 lender response: The XXX cash to the borrower at closing is used for reserves for this loan. | 07/18/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 686 exceeds min score requirement of 675. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x99. |
| 900075 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH183 | Credit report incomplete | No | Missing credit report for 2nd borrower/Guarantor XXX | 07/17/2024 Client provided credit report. | 07/17/2024 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 686 exceeds min score requirement of 675. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x99. |
| 900076 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | With subject mortgage, Borrower will have 8 open mortgages with this lender. Lender guidelines state maximum open mortgage with any same Borrower is 4, of which one must be owner occupied. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 30 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 684 qualifying score. Min required per guidelines is 675. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 80 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $180,771.59 or 78.80 months PITI, guidelines required 0 months PITI. |
| 900077 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a prior mortgage rating of 0x30x84. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for over 7 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $2,147,339.25. CTC $1,134,250.70 leaving reserves of $1,013,088.55 or 36.23 mos | |||||||||||||||
| 900078 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x56. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 727 exceeds min score requirement of 725 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 5 years. | |||||||||||||||
| 900079 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 17 years. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 25 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.82% is below guideline requirement of 50%. | |||||||||||||||
| 900080 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 690 exceeds min score requirement of 675. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below max LTV of 80%. | |||||||||||||||
| 900081 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 5 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 16 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 30.42%, max per guidelines is 50%. | |||||||||||||||
| 900082 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Guarantor has lived at primary residence for over 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Guarantor credit score of 801 exceeds min score requirement of 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.99% is below max LTV of 80%. | |||||||||||||||
| 900083 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing the bank statement from Open Bank #XXX XXX to verify the May mortgage payment to complete full 12 month history on subject property. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: G1 has mortgage payment history 0x30 since 1/2013. |
| 900083 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% exceeds the maximum for cash out transaction of 65% for DSCR 0.9947%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: G1 has mortgage payment history 0x30 since 1/2013. |
| 900084 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 43.03%; max allowed per guidelines is 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 681 qualifying score. Min required per guidelines is 675. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 33 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $114,967.09 or 31.02 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900085 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 6 years and 11 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 66.84%; max allowed per guidelines is 70% CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 81 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $171,080.38 or 61.09 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900086 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x23. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit core of 741 exceeds min score requirement of 725. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for over 8 years. | |||||||||||||||
| 900087 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2854: Significant time in profession - Clayton Comments: 4 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 qualifying score. Min required per guidelines is 725. | |||||||||||||||
| 900088 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $118,586.87. Cash to close $115,052.41. Post-closing cash reserves $3534.46 or 0.70 months. 6 months reserves required. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current rented occupied residence for 13 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 15 years and 5 months. CFCFS1739: Postive mortgage payment history - Clayton Comments: Rental payment history is for 170 months when 12 months are required. |
| 900089 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 699 qualifying score. Min required per guidelines is 675. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.60% is below max LTV of 75%. | |||||||||||||||
| 900090 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for over 24 mos CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65% is below max LTV of 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $535,114.36. CTC $ 394,810.49 leaves reserves of $140,303.87 or 19.28 mos. | |||||||||||||||
| 900091 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% exceeds maximum of 65% for refinance transaction with DSCR < 1.0. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 699 exceeds guidelines 675. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 5 years. |
| 900092 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Required reserves $12,897.66. Actual reserves $7,716.98 short by $5,180.68. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 19 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 15.48% is below guideline requirement of 43%. |
| 900093 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 2 years. CFCFS1739: Postive mortgage payment history - Clayton Comments: 0x30x12 positive mortgage payment history. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 693 qualifying score. Min required per guidelines is 675 | |||||||||||||||
| 900094 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 652 exceeds min score requirement of 650. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for over 13 years. | |||||||||||||||
| 900095 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has displayed a strong history of repaying debt and meeting obligations. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has a combined 55 months of mortgage payment history without a derogatory occurence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 qualifying score. Min required per guidelines is 725. | |||||||||||||||
| 900096 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | 30-Term IO with a loan amt < $XXX, Min Loan =$XXX per GL. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 56.17% is below max LTV of 65%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for over 27 years. |
| 900097 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 21 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $179,949.96 or 39.86 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900098 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: G1 has been employed at current job for 19 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $568,038 exceed guidelines $22,336. | |||||||||||||||
| 900099 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 6/2020. | |||||||||||||||
| 900100 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 661 exceeds min score requirement of 650. | |||||||||||||||
| 900101 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing Condo Master Hazard Insurance Policy | 07/12/2024 lender provided HO6 Policy07/12/2024 Clayton response: The Condition was to provide Condo Master Hazard Insurance Policy. The Condo Master Hazard Insurance Policy provided expired XXX. Exception remains. 07/15/2024 lender provided Master Policy uploaded | 07/15/2024 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: 0 * 30 since 2019 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO of 717 exceeds guidelines. |
| 900101 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing proof of Flood Insurance coverage | 07/12/2024 lender response: HO6 Policy including Flood coverage uploaded07/12/2024 Clayton response: The Condition was to provide Flood Insurance coverage. The Condo Master Hazard Insurance Policy provided expired XXX. Exception remains.07/15/2024 lender response Master Policy uploaded reflecting Flood coverage | 07/15/2024 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: 0 * 30 since 2019 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO of 717 exceeds guidelines. |
| 900101 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject was listed For Sale within the last 6 months | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: 0 * 30 since 2019 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO of 717 exceeds guidelines. |
| 900102 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 5 years, 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: Loan approved at 70% LTV, max is 75% | |||||||||||||||
| 900103 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower only has 1 open tradeline | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 769 exceeds min score requirement of 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $210,242.34. CTC $191,379.40 leaving reserves of $18,862.94 or 5.12 mos. |
| 900104 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 767 exceeds min score requirement of 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 30.04% is below max LTV of 75%. | |||||||||||||||
| 900105 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: G1 has mortgage payment history 0x30 since 8/2015. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $363,425 exceed guidelines $0. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 8.16% is below guideline requirement of 50%. | |||||||||||||||
| 900106 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 803 exceeds guidelines 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history ox30 since 7/2016. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 7 years. | |||||||||||||||
| 900107 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 7 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 46.67%; max allowed per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $3340,976.41 or 134.10 months PITI, guidelines required 0 months PITI. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 29 months when 12 months are required. | |||||||||||||||
| 900108 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 631 exceeds min score requirement of 625. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $419,359.07. CTC $326,345.04 leaving reserves of $93,014.03 or 18.88 mos CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 53.78% is below max LTV of 75%. | |||||||||||||||
| 900109 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.53% is below guideline requirement of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 742 exceeds guidelines 725. | |||||||||||||||
| 900110 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount of XXX is less than minimum loan amount of XXX per Guidelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 8 years and 6 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 qualifying score. Min required per guidelines is 700. |
| 900111 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2860: Good credit history - Clayton Comments: Borrower has a overall good credit history. No derogatory credit. No public record findings. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for over 9 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has a 0x30x36 month mortgage history review. | |||||||||||||||
| 900112 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 20 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 745 exceeds guidelines 725. | |||||||||||||||
| 900113 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 706 exceeds min score requirement of 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 74.70% is below max LTV of 80%. | |||||||||||||||
| 900114 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 50% CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 15 years at current residence | |||||||||||||||
| 900789 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is below max LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 727 exceeds min score requirement of 725. | |||||||||||||||
| 900115 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has excess reserves CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower has a credit score of 783 | |||||||||||||||
| 900116 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x28. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $927,745.90. CTC $134,266.81 leaves reserves of $793,479.09 or 241.88 mos. | |||||||||||||||
| 900117 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 18 years and 6 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 40%; max allowed per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 748 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 36 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $149,266.88 or 108.97 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900118 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current rental occupied residence for 10 years and 3 months. | |||||||||||||||
| 900119 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 66.50% is below max LTV of 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 659 exceeds min credit score of 650. | |||||||||||||||
| 900120 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 2 open/active tradelines; guidelines require 3 open/active tradelines | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has prior mortgage payment history 0x30 from XXX CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 796 exceeds guidelines 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 71.43% is below guideline requirements of 80%. |
| 900121 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 755 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 48 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $125,027.43 or 23.04 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900122 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 0 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900123 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Steward Valuation Intelligence Desk Review discloses -10.96% variance with a value of XXX and the OA value is XXX A Field Review is required. | 07/12/2024 lender provided Field Review | 07/12/2024 exception satisfied | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 3/2018. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.65% is below guideline requirement of 50%. |
| 900124 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Underwriting Loan Approval Worksheet. | 7/3/24- Client uploaded LAW and Approval for review | 7/5/240 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.97% is below max LTV of 75%. |
| 900125 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 4/2019. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 742 exceeds guidelines 725. | |||||||||||||||
| 900126 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $139,925 exceed guidelines $0. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 41.75% is below guideline requirements of 70%. | |||||||||||||||
| 900127 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is a 722; minimum required credit score per guidelines is 80%. CFCFS2860: Good credit history - Clayton Comments: Both Borrowers have an overall good credit history. No derogatory credit. No public record findings. | |||||||||||||||
| 900128 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 37.72% is below guideline requirements of 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 764 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900129 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is below max LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 823 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x46. | |||||||||||||||
| 900130 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 34 years on current job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 7 years on current job | |||||||||||||||
| 900131 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower only has 1 open tradeline | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower score of 623 exceeds min score requirement of 600. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 62% is below max LTV of 65%. |
| 900132 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has rental payment history 0x30 since 1/2020. |
| 900132 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing the form 1007 Comparable Rent Schedule to calculate DSCR ratio. | 07/01/2024 lender provided 1007 with Rent Estimate of XXX | 07/01/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has rental payment history 0x30 since 1/2020. |
| 900132 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value or CU score. | 08/29/2024- Client provided XXX. | 08/29/2024- Upon further review CU score 1.6 meets guidelines. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has rental payment history 0x30 since 1/2020. |
| 900133 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 695 qualifying score. Min required per guidelines is 675. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 24 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $68,616.15 or 42.44 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900134 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 10 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 764 exceeds guidelines 750. | |||||||||||||||
| 900135 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 qualifying score. Min required per guidelines is 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $171,766.80 or 63.31 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900136 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 808 exceeds guidelines 750. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 9 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has prior mortgage payment history 0x30 from XXX | |||||||||||||||
| 900137 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 23 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history of 0x30 since 10/2012. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 37.52% is below guideline requirements of 55%. | |||||||||||||||
| 900138 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.17% is below guideline requirement of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 729 exceeds guidelines 675. | |||||||||||||||
| 900139 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 2 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $2,190 exceed guidelines $0. | |||||||||||||||
| 900140 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 11 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 15 years. | |||||||||||||||
| 900141 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 687 exceeds min score requirement of 675. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.59% is below max LTV of 75%. | |||||||||||||||
| 900142 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.60% is below max LTV of 70%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x34. | |||||||||||||||
| 900143 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 8 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 qualifying score. Min required per guidelines is 725. | |||||||||||||||
| 900144 | XXXXXX | MN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 57.69%; max allowed per guidelines is 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 620 qualifying score. Min required per guidelines is 600. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 7 years. | |||||||||||||||
| 900145 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 25 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $94,747.49 or 46.08 months PITI, guidelines required 0 months PITI, | |||||||||||||||
| 900146 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 69.99% is below max LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 737 exceeds min score requirement of 725. | |||||||||||||||
| 900147 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 2 open/active tradelines; guidelines require 3 open/active tradelines | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 726; minimum required credit score guidelines is 725 CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit within 24 months. No public record findings. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 46.80%; max allowed per guidelines is 75%. |
| 900148 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 16 years and 4 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 57%; max allowed per guidelines is 65%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $164,954.64 or 90.89 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900149 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 16 years and 4 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $94,618.71 or 18.58 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900150 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 qualifying score. Min required per guidelines is 750. CFCFS2854: Significant time in profession - Clayton Comments: 4 years and 4 months in current profession. | |||||||||||||||
| 900151 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX Severe Storms, Flooding, Straight-line Winds, and Tornadoes. | 07/25/2024 lender provided Post Disaster Inspection Report | 07/25/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 3 years and 3 months at current residence. |
| 900152 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers received XXX cash back at closing | |||||||||||||||
| 900153 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 57.42%; max allowed per guidelines is 65%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $36,774.04 or 14.33 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900154 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 65% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years at current residence CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 699 qualifying score. Min required per guidelines is 675. | |||||||||||||||
| 900155 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Funds required to close - $99,110.93, Verified assets - $172,931.94, Verified reserves- $73,821.01 or 37 months. Reserves are not required. | |||||||||||||||
| 900156 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 19 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 26.18%; max allowed per guidelines is 70%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required. | |||||||||||||||
| 900157 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 70% exceeds max LTV of 65% for a No Ratio DSCR. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x99. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 690 exceeds min score requirement of 675. |
| 900158 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.71%; max allowed per guidelines is 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 659 qualifying score. Min required per guidelines is 650. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $54,407.34 or 15.92 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900159 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: G1 has mortgage payment history 0x30 since 3/2012. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 738 exceeds guidelines 725. | |||||||||||||||
| 900160 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | No inspection since the XXX FEMA Disaster- Severe Storms, Flooding, Straight-Line Winds, and Tornadoes. | 07/18/2024 lender provided Post Disaster Inspection Report | 07/18/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been a current residence for 16 years and 7 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x24. |
| 900161 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% exceeds the maximum for purchase transaction of No Ratio program of 65%. Lender approval in file. | 7/3/24- Client acknowledged exception | Final Grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $809,526 or 84.46 mos exceed guidelines $0. |
| 900162 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Subject transaction is part of a pack of 5 loans per LAW. XXX limits the number of open loans with the same borrower at any one time to a maximum of four (4) or an aggregate amount of $5,000,000, whichever is less for first mortgages only. If there are more than three (3) loans to one borrower: One (1) loan must be on an owner-occupied principal residence. None appear to be owner occupied as required per guidelines | 07/17/2024 lender provided Updated ULAW with comp factors uploaded07/18/2024 client acknowledged exception | 07/17/2024 Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for Credit Score, DTI, LTV and Mortgage Payment History.07/18/2024 Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70.20% is below max LTV of 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 699 exceeds min score requirement of 675. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x27. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 28.41% is below max DTI of 50%. |
| 900163 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets verified at $448,474.13 less cash from borrower $267,014.13 equals $181,460 or 21.57 months PITIA. No reserves required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 10 years. | |||||||||||||||
| 900164 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Co-borrower has a positive mortgage payment history CFCFS2860: Good credit history - Clayton Comments: Borrowers have overall good credit history | |||||||||||||||
| 900165 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 16 years and 3 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 18 years and 9 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 31.74% | |||||||||||||||
| 900166 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $171,991.04. CTC $138,944.92, leaves reserves of $33,046.12 or 9.52 mos CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 736 exceeds min score requirement of 725. | |||||||||||||||
| 900167 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 43.21% is below guideline requirements of 70%. | |||||||||||||||
| 900168 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 56.25%; max allowed LTV per guidelines is 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 683; minimum required credit score per guidelines is 625. | |||||||||||||||
| 900169 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 2 open/active tradelines and guidelines require 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 786 exceeds min score requirement of 750. |
| 900170 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x99. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 731 exceeds min score requirement of 725. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $741,516.46. CTC $111,226.85 leaves reserves of $630,289.61 or 192.39 mos | |||||||||||||||
| 900171 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years and 11 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 qualifying score. Min required per guidelines is 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $146,898.43 or 91.98 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900172 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 705; minimum required credit score is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 59.68; max allowed LTV for Condotel Refi is 65%. | |||||||||||||||
| 900173 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Missing appraisal to support value of XXX | 07/25/2024 lender provided Appraisal | 07/25/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 763 exceeds min score requirement of 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $136,856.84. CTC $117,189.40 leaves reserves of $22,667.44 or 6.91 mos. |
| 900173 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | Unable to determine- Missing appraisal | 07/25/2024 lender provided Appraisal | 07/25/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 763 exceeds min score requirement of 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $136,856.84. CTC $117,189.40 leaves reserves of $22,667.44 or 6.91 mos. |
| 900174 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Lender Underwriting worksheet and loan approval. | 07/01/2024 lender provided ULAW & Approval | 07/01/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $218,124.76. CTC $140,891.66 leaving reserves of $77,233.10 or 22.61 mos CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 40.70% is below max DTI of 50%. |
| 900175 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per Drive Report , borrower is First Time Homebuyer. Per guidelines, a FTHB may also purchase an investment property utilizing the DSCR program.However, if an FTHB, for an investment property purchase, is absent a completerental history for the prior twelve (12) consecutive months, or is currently not payingany rent, that borrower is limited to: (d) 70% maximum LTV; and(e) Minimum 1.0 : 1.0 DSCR. Per documents, borrower has rented for 1 month and prior to that lived in relative has without documentation he paid rent or mortgage payment. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 qualifying score. Min required per guidelines is 725. |
| 900176 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 9 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x36. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 721 exceeds min score requirement of 700. | |||||||||||||||
| 900177 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Subject transaction will be #4 for properties owned w/in HOA project. Guidelines limited to maximum of two (2) loans. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 695; minimum required credit score per guidelines is 675. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been owner of business for 5 years and 7 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 8.02%; max allowed DTI per guidelines is 50%. |
| 900178 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has excess reserves CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years at current residence | |||||||||||||||
| 900179 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | With subject purchase, this Borrower will have 5 open mortgages with this lender. Lender Guidelines limit open mortgages to 4 to the same Borrower. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower #2 has been employed at current employer for 20 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x25. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 40.15%, max per guidelines is 50%. |
| 900180 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount of XXX is below minimum loan amount of XXX, per guidelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 46 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $36,731.45 or 34.87 months PITI, guidelines required 0 months PITI. |
| 900181 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets verified at $613,189.56 less cash from borrower $580,061.89 equals $33,127.67 or 2.25 months PITIA. No reserves required. | |||||||||||||||
| 900182 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 Open tradeline, and 3 Open tradelines are required by guidelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 27 months when 12 months are required. |
| 900183 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 55.77% is below max LTV of 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 715 exceeds min score requirement of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x40. | |||||||||||||||
| 900184 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | The hazard insurance policy effective start date of XXX is greater than the transaction Note date of XXX. | 07/10/2024 lender provided Updated Final Settlement Statement reflecting correct disbursement date (of XXX). | 07/10/2024 exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 639; minimum required credit score per guidelines is 625. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been owner of business for 12 years and 3 months CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 26.07%; max allowed DTI per guidelines is 50%. |
| 900185 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 7 years and 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 qualifying score. Min required per guidelines is 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is for 31 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $500,730.80 or 1116.6 months PITI, guidelines required 6 months PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 17.53%, max per guidelines is 50%. | |||||||||||||||
| 900186 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 31 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $1,193,291 exceed guidelines $0. | |||||||||||||||
| 900187 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900188 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 years in current profession CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 38% | |||||||||||||||
| 900189 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $103,355.67. CTC $71,945.07 leaving reserves of $31,410.60 or 17.02 mos. | |||||||||||||||
| 900190 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.75% is below guideline requirement of 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $34,451 exceed guidelines $20,306. | |||||||||||||||
| 900191 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing Title for subject property. Title in file is for another REO. | 07/31/2024 lender provided Title report | 07/31/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 690 exceeds min score requirement of 675. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have lived at primary residence for over 7 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 66.59% is below max LTV of 75%. |
| 900192 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX- Hurricane XXX Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 0 months at current residence. |
| 900193 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900194 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing master HOI. | 07/24/2024 lender provided Master Policy & HOI | 07/24/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $38,451.85.10 or 10.32 months PITIA, guidelines required 0 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.21%, max per guidelines is 50%. |
| 900194 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Subject is short term rental, and maximum LTV is 70%. Subject loan is 75% LTV. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $38,451.85.10 or 10.32 months PITIA, guidelines required 0 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.21%, max per guidelines is 50%. |
| 900195 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 19% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history | |||||||||||||||
| 900196 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers assets are more than the amount required for closing. No reserves required. | |||||||||||||||
| 900197 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the FEMA Disaster XXX Hurricane XXX. | 07/23/2024 lender provided Post Disaster Inspection Report | 07/23/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $46,245 exceed guidelines $0. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 59.99% is below guideline requirements of 70%. |
| 900198 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Loan approved at 60% LTV, Max 75% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 5 years. | |||||||||||||||
| 900199 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 711 exceeds min score requirement of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 45.66% is below max DTI of 50%. | |||||||||||||||
| 900200 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | G1 does not meet the minimum credit references of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 42.08% is below guideline requirements of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $774,118 exceed guidelines $0. |
| 900201 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with XXX for16 years and 4 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 44 months when 12 months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.05%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $1,942,214.13 or 406.50 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900202 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 19.93 is below the max of 70% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: The credit score of 743 exceeds the guidelines of 725. | |||||||||||||||
| 900203 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing HOA Condo Questionnaire | 7/3/24- Client uploaded HOA Questionnaire | 7/3/24- Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 776; minimum required credit score per guidelines is 575. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 4.44%; max allowed per guidelines is 50%. |
| 900204 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing master HOI from credit file. | 07/19/2024 lender response: HOI uploaded07/19/2024 Clayton response: HOI received is the HO6 Declaration Page for individual condo coverage. Exception is to provide the Condo Master Policy. Exception remains.07/23/2024 lender response: Master Policy | 07/23/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 qualifying score. Min required per guidelines is 725. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.45%; max allowed per guidelines is 75%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 41 months when 12 months are required. |
| 900205 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 70% exceeds the maximum of 65% for No Ratio purchase transaction. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $276,642 exceed guidelines $0. |
| 900205 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. | 07/15/2024 lender provided Desk review | 07/15/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $276,642 exceed guidelines $0. |
| 900206 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Application | Waived | D | B | D | B | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | /The Borrower is Permanent Resident Alien. The Green Card in the loan file is expired. Card expired on XXX | 07/31/2024 lender response: Updated ULAW with comp factors uploaded07/31/2024 Clayton response: Nothing was received. Please upload again08/01/2024 lender response: Updated ULAW with comp factors uploaded08/02/2024 client acknowledged exception | 08/01/2024 Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for Credit Score and Good credit history.08/02/2024 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 786; minimum required credit score per guidelines is 750 CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit. No public record findings. |
| 900206 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open/active tradeline; guidelines require 3 open/active tradelines | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 786; minimum required credit score per guidelines is 750 CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit. No public record findings. |
| 900206 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Final HUD-1 does not disclose a disbursement date. | 07/16/2024 lender provided Updated Final Settlement Statement | 07/16/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 786; minimum required credit score per guidelines is 750 CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit. No public record findings. |
| 900207 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% exceeds max allowable of 75% for credit score 697. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 697 exceeds min score requirement of 675. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified assets/reserves $5,863.93 or 2.39 mos. |
| 900208 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 5 years and 0 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 20 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 809 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 35.17% | |||||||||||||||
| 900209 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history on subject property 0x30 since 11/2018. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 726 exceeds guidelines 675. | |||||||||||||||
| 900790 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $57,557.33 or 23.86 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900210 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 714 exceeds guidelines 700. |
| 900210 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. | 07/17/2024 lender provided Desk review | 07/17/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 714 exceeds guidelines 700. |
| 900211 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 9 years and 7 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 60 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $328,703.72 or 61.27 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900212 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit. No public record findings CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 697; minimum required credit score per guidelines is 675. | |||||||||||||||
| 900213 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 1 month. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 22 months when 12 months are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 721 qualifying score. Min required per guidelines is 700. | |||||||||||||||
| 900214 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 21 years and 10 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 696 qualifying score. Min required per guidelines is 675. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 87 months when 12 months are required. | |||||||||||||||
| 900215 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 41.16% is below guideline requirements of 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 782 exceeds guidelines 750. | |||||||||||||||
| 900216 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 691; minimum required credit score per guidelines is 675. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 54.98%; max allowed LTV per guidelines is 80%. | |||||||||||||||
| 900217 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $559,302 exceed guidelines $0. CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in the same profession for 15 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.87% is below guideline requirement of 50%. | |||||||||||||||
| 900218 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 69.98, Max 75% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 5 years. | |||||||||||||||
| 900219 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years and 0 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 791 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900220 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years at current residence | |||||||||||||||
| 900221 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 732 exceeds min score requirement of 725. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 43.27% is below guideline requirements of 80%. | |||||||||||||||
| 900222 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | Per guidelines, For XXX, LTV greater than 65% requires 1.1 DSCR. Subject DSCR is 1.0292. Subject LTV is 69.98%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 15 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $483,246.92 or 268.86 months PITIA, guidelines required 0 months PITIA. |
| 900222 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the (XXX) Fema Disaster- (XXX - XXX) | 07/25/2024 lender provided Post Disaster Inspection Report | 07/25/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 15 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $483,246.92 or 268.86 months PITIA, guidelines required 0 months PITIA. |
| 900223 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets verified at $59,617.01 less cash from borrower $36,644.44 equals $22,972.57 OR 18.68 months PITIA. Required Reserves of 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 753 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900224 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $243,463 exceed guidelines $0. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 15 years. | |||||||||||||||
| 900225 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves - $33,761.01; or 5.82 months PITI reserves. Required Reserves 6 months PITIA. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 30.25%; max allowed DTI per guidelines is 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX of XXX for 8 years and 7 months. Borrower has also been XXX of XXX for 18 years and 7 months. |
| 900226 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 12 years and 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 48 months when 12 months are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $168,844.06 or 16.40 months PITI, guidelines required 0 months PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 38.29%, max per guidelines is 50%. | |||||||||||||||
| 900227 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrowers have 2 open/active tradelines; guidelines require 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years and 0 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 28 years and 0 months in current profession. |
| 900228 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in current owner occupied residence for 7 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 19 years and 3 months.. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 34 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $1,932,743.19 or 311.66 months PITIA, guidelines required 0 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 21.84%, max per guidelines is 50%. | |||||||||||||||
| 900229 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines requires a rental payment history covering the last 12 months. The loan file only consists copies of 10 months front and back cancelled checks from XXX through XXX. Missing the cancelled check copies for XXX and XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 802; minimum required credit score per guidelines is 750. CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit history. No derogatory credit. No public record findings. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed at current employer for almost 10 years. |
| 900230 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Master Policy for entire condominium not provided. | 08/20/2024 lender response: Condo Master Policy uploaded08/20/2024 Clayton response: Condo Master Policy received for the correct Unit #XXX. However, is for the incorrect Loan #XXX. Policy should be for Loan #XXX and was written for Loan #XXX. Exception remains.08/21/2024 lender provided Condo Master Policy with Correct Loan# uploaded | 08/21/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 9 years. CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been in profession for 25 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 821 qualifying score. Min required per guidelines is 750. |
| 900231 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. | 07/17/2024 lender provided UCDP Report | 07/17/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $48,359.36 or 18.87 months PITIA, guidelines required 0 months PITIA. |
| 900231 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the (XXX) Fema Disaster- (XXX) | 07/19/2024 lender provided Post Disaster Inspection Report | 07/19/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $48,359.36 or 18.87 months PITIA, guidelines required 0 months PITIA. |
| 900232 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.26% is below guideline requirement of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 27 years. | |||||||||||||||
| 900233 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 795 exceeds guidelines 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $2,277,390 exceed guidelines $0. | |||||||||||||||
| 900234 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Escrows waived. The loan amount is XXX and the maximum for escrow waiver is XXX. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $2,550,220.61. CTC $721,412.38 leaves reserves of $1,828,808.23 OR 96.35 MOS CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 41.54% is below max DTI of 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below max LTV of 80% |
| 900235 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% exceeds max LTV of 75% for loan amt < $XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: . Credit report with a mortgage rating of 0x30x73. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 705 exceeds min score requirement of 700. |
| 900236 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 32.50% is below guideline requirements of 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 724 exceeds guidelines 700. | |||||||||||||||
| 900237 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing verification of EMD $14,000 wire to escrow or copy of check. | 08/01/2024 lender provided XXX Statement | 08/01/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 13 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 10/2010. |
| 900237 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust Documents. | 08/01/2024 lender provided Trust Documents | 08/01/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 13 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 10/2010. |
| 900238 | XXXXXX | KY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $108,559.55 or 43.95 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900239 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX- XXX Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets verified at $347,985.56 less cash from borrower $155,089.99 equals $192,895.57 or 77.35 months PITIA. No reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60.61%; max allowed per guidelines is 65%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 5 years. |
| 900240 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60.91%; max allowed per guidelines is 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $453,950.62 or 179.29 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900241 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 718 min 700 CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 5 years. | |||||||||||||||
| 900242 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 63.38%. Max 75% | |||||||||||||||
| 900243 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guidelines, maximum LTV for non-Warrantable Condo is 75%. Per exception details, provided in credit file, subject is Non-warrantable condo, and LTV View is 75%. Subject is 80% LTV. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 16 years and 8 months.. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 9.52%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $89,425.24 or 24.58 months PITIA, guidelines required 6 months PITIA. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 694 qualifying score. Min required per guidelines is 675 |
| 900244 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $110,818 exceed guidelines $0. | |||||||||||||||
| 900245 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 46.60% Max 80% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.56 Max 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 779 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900246 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current occupied residence for 13 years and 4 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 qualifying score. Min required per guidelines is 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $53,071.33 or 21.43 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900247 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves - $85,543.07 or 42.63 months PITIA reserves CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 4 years. | |||||||||||||||
| 900248 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 3 years and 3 months at current residence. | |||||||||||||||
| 900249 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 74.99% is below max LTV of 80% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 732 exceeds min score requirement of 725. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $139,625.89. CTC $98,949.55 leaves reserves of $40,676.34 or 15.03 mos. | |||||||||||||||
| 900250 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Borrower will own 61 Properties and 46 have Mortgages. Per guidelines, max financed owned properties are 20 | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; max allowed per guidelines is 75%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 21 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $165,944.93 or 92.99 months PITI, guidelines required 0 months PITI. |
| 900251 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower #2 credit report with a mortgage ration of 0x30x31. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX of business for 6 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower #2 has been XXX of business for 9 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 721 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 16.84%, max per guidelines is 50%. | |||||||||||||||
| 900252 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Borrower will own 61 Properties and 46 have Mortgages. Per guidelines, max financed owned properties are 20 | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60.84%; max allowed per guidelines is 75% CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 21 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $156,985.79 or 89.80 months PITI, guidelines required 0 months PITI. |
| 900253 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 47.37%; max allowed per guidelines is 70%. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years and 0 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 790 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900254 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Borrower will own 61 Properties and 46 have Mortgages. Per guidelines, max financed owned properties are 20 | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 20 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $165,964.49 or 92.74 months PITI, guidelines required 0 months PITI. |
| 900255 | XXXXXX | NM | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 qualifying score. Min required per guidelines is 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $54,711.46 or 16.62 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900256 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit. No public record findings. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 3 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is for 49 months 0 30, when 12 months are required. | |||||||||||||||
| 900257 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $266,955.15 or 94.05 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900258 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $46,907 exceed guidelines $0. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 732 exceeds guidelines 700. | |||||||||||||||
| 900259 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: G1 has owned primary residence for 27 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 812 exceeds guidelines 750. | |||||||||||||||
| 900260 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 67 months when 12 months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.08%, max per guidelines is 50%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 qualifying score. Min required per guidelines is 725. | |||||||||||||||
| 900261 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Loan file indicates subject is one loan of 13 loans to this Borrower. Guidelines max is 4 loans to same Borrower. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 751 exceeds guidelines 600. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 65% is below guideline requirements of 75%. |
| 900262 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 770 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x21. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $66,008.33. CTC $38596.47 leaves reserves of $27,411.86 or 22.01 mos. | |||||||||||||||
| 900263 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 qualifying score. Min required per guidelines is 725. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $102,039.00 or 23.03 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900264 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 781 exceeds min score requirement of 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $344,082.42. CTC $204,480.35 leaves reserves of $139,602.07 or 29.93 mos. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 6 years. | |||||||||||||||
| 900265 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 18 years and 5 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with XXX for 21 years and 7 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 714 qualifying score. Min required per guidelines is 700. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $153,077.85 or 51.51 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900266 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 50% is below guideline requirements of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 805 exceeds guidelines 750. | |||||||||||||||
| 900267 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 783; minimum required credit score per guidelines is 750. CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit. No public record findings. | |||||||||||||||
| 900268 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 6 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900269 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower is a XXX from XXX. Per guidelines not eligible due to XXX requirements, XXX will not lend to applications from XXX. | 08/13/2024 lender response: Updated ULAW with comp factors uploaded08/14/2024 client acknowledged exception | 08/13/2024 Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for LTV and Reserves.08/14/2024 Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 50.52%; max allowed LTV is 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves - $54,149.59; 25.21 months PITIA reserves |
| 900270 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 653 qualifying score. Min required per guidelines is 650. CFCFS1736: Significant time at current residence - Clayton Comments: 2 years and 4 months at current residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Assets verified at $516,569.77 less cash from borrower $168,672.38 equals $347,897.39 OR 118.59months PITIA. No reserves required. | |||||||||||||||
| 900271 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Compliance | Documentation | Waived | B | B | B | B | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | Window Repair Holdback $5,000 | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 qualifying score. Min required per guidelines is 700. |
| 900271 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per Drive report, borrowers purchased their primary residence in May. Prior to that 1003 reflects borrowers rented for 2 years. The credit file is missing verification of rent, which 12 month housing verification is required. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 qualifying score. Min required per guidelines is 700. |
| 900272 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 44.33%; max allowed per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 qualifying score. Min required per guidelines is 700. CFCFS1736: Significant time at current residence - Clayton Comments: 16 years and 0 months at current residence. | |||||||||||||||
| 900273 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 39 years and 0 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900274 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50%; max allowed per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 34.83%, max per guidelines is 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed at current employer for 12 years. CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit. No public record findings. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 797; minimum required credit score per guidelines is 650. | |||||||||||||||
| 900275 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 667 exceeds the minimum | |||||||||||||||
| 900276 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 4/2011. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 738 exceeds guidelines 725. | |||||||||||||||
| 900277 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 744 qualifying score. Min required per guidelines is 725. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $59,171.19 or 19.59 months PITI, guidelines required 0 months PITI. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 48 months when 12 months are required. | |||||||||||||||
| 900278 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 24 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $28,987.24 or 11.66 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900279 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $11,520 exceed guidelines $0. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 62.20% is below guideline requirements of 70%. | |||||||||||||||
| 900280 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below max LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 794 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x41. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $563,723.80. CTC $217,793.09 leaving reserves of $345,930.71 or 59.98 mos | |||||||||||||||
| 900281 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 59.82% is below guideline requirements of 70%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $68,850 exceed guidelines $0. |
| 900282 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Loan application discloses pending sale and net proceeds from sale of REO property located at XXX. Missing a copy of the HUD-1 for sale of REO property located at XXX. | 07/19/2024 lender provided HUD for XXX | 07/19/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50%; max allowed per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 661; minimum required credit score per guidelines is 650. |
| 900283 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide documentation to support borrowers have access to XXX #XXX in the name of XXX. | 08/07/2024 lender provided Trust Documents | 08/07/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 761 exceeds guidelines 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since 2/2013. |
| 900284 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Personal savings of $120,412.70 verified with bank statements. $44,572.13 required to close. Reserves of $75,840.57 or 45.53 months PITI. Reserves are not required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 qualifying score. Min required per guidelines is 725. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Good credit history | |||||||||||||||
| 900285 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 646 qualifying score. Min required per guidelines is 625. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 57.53%; max allowed per guidelines is 65%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 6 years. | |||||||||||||||
| 900286 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Loan amount is $XXX and HOI is $XXX. LOE from insurance states "Please note this quote reflects the max allowed dwelling coverage per our internal estimator. Approval cleared "replacement or guaranteed replacement cost" Cannot locate on policy replacement or guaranteed replacement cost | 08/09/2024 lender response: Proof of Coverage uploaded reflecting insurance agent confirming the max coverage of $XXX for this porperty type per carrier guideline | 08/09/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed with XXX for 6 years and 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 30 months when 12 months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 44.31%, max per guidelines is 50%. |
| 900287 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 680; minimum required credit score per guidelines is 625 | |||||||||||||||
| 900288 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Loan application does not state the borrowers citizenship and residency status. | 08/07/2024 lender response: Borrower is a XXX and our system does not have a dropdown for them as the options are all different types of resident aliens, so this section being blank denotes a XXX. Uploading XXX. | 08/07/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.34%; max allowed per guidelines is 75%. |
| 900289 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV for DSCR below 1 is 65%. Subject LTV is 70%. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 698 qualifying score. Min required per guidelines is 675. CFCFS1739: Postive mortgage payment history - Clayton Comments: Rental payment history is for 36 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $40,533.18 or 24.56 months PITI, guidelines required 0 months PITI. |
| 900290 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide four gift letters | 07/25/2024 lender provide Gift Letter07/25/2024 Clayton response: One Gift Letter for $29,000 received. Please provide 3 additional Gift Letters. Exception remains.08/15/2024 lender response Uploading 2 gift letters& receipt and updated FSS showing there were only 2 gifts. | 08/15/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 12 years and 0 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 qualifying score. Min required per guidelines is 750. |
| 900291 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Mortgage and rental payment history shows no late payment in the past 2 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 698 qualifying score. Min required per guidelines is 675. | |||||||||||||||
| 900292 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Bank statement dated XXX shows Savings balance of $136,333.74. Funds to close were $96,572.07 per HUD. Reserves of $36,261.67 or 14.53 months PITI. No Reserves required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 814 qualifying score. Min required per guidelines is 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%. | |||||||||||||||
| 900293 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 5 years and 0 months at current residence. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 34.90%; max allowed per guidelines is 75%. | |||||||||||||||
| 900294 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 qualifying score. Min required per guidelines is 725. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 8/2009. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $39,996 exceed guidelines $0. | |||||||||||||||
| 900295 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject is XXX with XXX and XXX or 49.75%. Guidelines require XXX Project to be 50% XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 69.99%; max allowed LTV per guidelines is 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves - $73,880.23; or 56.87 months PITIA reserves |
| 900296 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in current owner occupied residence for 20 years and 7 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 706 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $89,138.22 or 79.76 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900297 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 6.8 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 6/2018. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 657 qualifying score. Min required per guidelines is 650. | |||||||||||||||
| 900298 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 21.17% is below guideline requirement of 50%. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 28 years. | |||||||||||||||
| 900299 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guidelines, for cash out refinance, with credit score of 662, maximum LTV is 70%. Subject LTV is 75%. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 662 qualifying score. Min required per guidelines is 650. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 20.96%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $234,290.39 or 27.41 months PITI, guidelines required 0 months PITI. |
| 900300 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Potential Misrepresentation | Waived | B | B | B | B | CRDPMR1799 | Potential misrepresentation of occupancy | No | Subject is an Investment Property using Short Term Rental, appraisal stated subject is owner occupied. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 4 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 47.47% is below guideline requirements of 65%. |
| 900301 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for over 30 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 746 exceeds min score requirement of 725. | |||||||||||||||
| 900302 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount $XXX exceeds the maximum allowed of $XXX on rural properties. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 8 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 792 exceeds guidelines 750. |
| 900303 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at the same residence for 10 years CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%. | |||||||||||||||
| 900304 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 18 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 55.65%, Max 75% for foreign national | |||||||||||||||
| 900305 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 13 years 7 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 716 qualifying score. Min required per guidelines is 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is for 16 months when 12 months are required. | |||||||||||||||
| 900306 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 15.80% is below guideline requirement of 50%. |
| 900307 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR822 | Insurance Effective date is greater than the transaction date | No | Evidence of insurance in file does not state the start or end date. | 07/25/2024 lender provided HOI & Master Policy | 07/25/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 6 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 761. Min is 575 |
| 900307 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Exception in file for multiple loans to one borrower. This transaction is the 4th loan to XXX. Guidelines require that at least one loan must be for a primary residence when there are 4 loans to the same borrower. Exception in file was approved on 6/18/24 | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 6 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score is 761. Min is 575 |
| 900308 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Waived | B | B | B | B | CRDDTI187 | Debt Ratio > 50% | No | DTI 51.38% with max DTI 50.49% per guidelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years and 3 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 11 years and 0 months in current profession. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.42%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 qualifying score. Min required per guidelines is 725 |
| 900308 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE within 3 days of Funding. VVOE in file is 7 days prior to Funding. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 20 years and 3 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 11 years and 0 months in current profession. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.42%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 739 qualifying score. Min required per guidelines is 725 |
| 900309 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60% is below guideline requirements of 75%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 16 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been XXX at current job for 11 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 794 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900310 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 792 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 26 months when 12 months are required. | |||||||||||||||
| 900311 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 2.06% is below guideline requirement of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 8 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 10/2020. | |||||||||||||||
| 900312 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 13 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $62,733.33 or 11.30 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900313 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 4 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $115,878 exceed guidelines $0. | |||||||||||||||
| 900314 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 765; minimum required credit score per guidelines is 750. CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit within 24 months. No public record findings. | |||||||||||||||
| 900315 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is below max LTV of 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 733 exceeds min score requirement of 725. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x75. | |||||||||||||||
| 900316 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. | 08/07/2024 lender provided Desk review | 08/07/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B2 has lived at the same residence for 7 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 686 qualifying score. Min required per guidelines is 675 |
| 900317 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, for LTVs less than or equal to 65%, three (3) tradelines are required but only one (1) of the tradelines needs to be seasoned greater than two (2) years. Borrower has 2 tradelines. Lender did provided exception. | 8/23/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 qualifying score. Min required per guidelines is 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.99%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $55,421.65 or 32.04 months PITIA, guidelines required 0 months PITIA. |
| 900318 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $105,186.92 in liquid assets. Funds to close are $95,845.10. No reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 64.73%, Max 80% | |||||||||||||||
| 900319 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 qualifying score. Min required per guidelines is 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 69.99%; max allowed per guidelines is 80%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 84 months when 12 months are required. | |||||||||||||||
| 900320 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% exceeds the maximum for DSCR Short Term Rental of 70%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 765 exceeds guidelines 750. |
| 900321 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 728 qualifying score. Min required per guidelines is 725. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 20.31%, max per guidelines is 50%. | |||||||||||||||
| 900322 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS2854: Significant time in profession - Clayton Comments: 10 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 652 qualifying score. Min required per guidelines is 650. CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 70% File LTV 60% | |||||||||||||||
| 900323 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 36.62%; max allowed per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 672 qualifying score. Min required per guidelines is 650. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 91 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $33,701.76 or 47.90 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900324 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has rented primary residence for 15 years. | |||||||||||||||
| 900325 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation for proof of PITIA XXX. HUD was provided, but not mtg or a pymt letter to confirm P&I. | 07/23/2024 lender provided Closing Package including Mortgage for XXX | 07/23/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 12 years and 2 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 732 qualifying score. Min required per guidelines is 725. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is11.90%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $463,656.85 or 62.61 months PITI, guidelines required 0 months PITI. |
| 900326 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation for proof of PITIA XXX. HUD was provided, but not mtg or a pymt letter to confirm P&I. | 07/23/2024 lender provided Closing Package including Mortgage for XXX | 07/23/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 732 exceeds min score requirement of 725. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 14.94% is below max DTI of 50%. |
| 900327 | XXXXXX | ID | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of mortgage on subject property. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history on Primary is for 20 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $74,993.34 or 38.45 months PITI, guidelines required 0 months PITI. |
| 900328 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 6 years and 6 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 8 years and 5 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 736 qualifying score. Min required per guidelines is 725. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 33.05%, max per guidelines is 50%. | |||||||||||||||
| 900329 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX XXX. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $92,837.68. CTC $80,022.63 leaves reserves of $12,815.05 or 5.45 mos. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 663 exceeds min score requirement of 650. |
| 900330 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 724 exceeds guidelines 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.16% is below guideline requirement of 50%. | |||||||||||||||
| 900331 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 25.93% is below guideline requirements of 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 732 exceeds guidelines 725. | |||||||||||||||
| 900332 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Per appraisal and deposits, subject is XXX. Per guidelines, maximum LTV for Short-Term rentals is 65%. Subject is 75% LTV. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 12 years and 1 month. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 39 months when 12 months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 17.38%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $495,519.36 or 45.94 months PITI, guidelines required 0 months PITI. |
| 900333 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 qualifying score. Min required per guidelines is 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: Loan approved at an LTV of 14.53% is less than the maximum of 75% | |||||||||||||||
| 900334 | XXXXXX | ME | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 710 exceeds guidelines 700. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 3 years. | |||||||||||||||
| 900335 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 776 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900336 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing the updated valuation supporting the appraised value. | 08/28/2024 lender provided UCDP Report | 08/28/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 58.70% is below guideline requirements of 70%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has mortgage payment history 0x30 since 1/2023. |
| 900337 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $53,953 exceed guidelines $7,377. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 704 qualifying score. Min required per guidelines is 700. | |||||||||||||||
| 900338 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900339 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has lived at the same residence for 12 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 692 qualifying score. Min required per guidelines is 675. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; max allowed per guidelines is 80%. | |||||||||||||||
| 900340 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Title | Satisfied | C | A | C | A | CRDTIL100 | Potential title issue | No | Provide documentation to support the omission for item #11 from Preliminary Title Schedule B. | 08/30/2024 lender provided Final Title Policy | 08/30/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Guarantor has resided in current residence for 12 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 790 exceeds guidelines 750. |
| 900341 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject XXX project has XXX with XXX or 77.44%. Guidelines states 50% of the total XXX must be XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 qualifying score. Min required per guidelines is 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $69,598.85 or 35.86 months PITIA, guidelines required 0 months PITIA. |
| 900342 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 5 years and 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 25.93%, max per guidelines is 50%. | |||||||||||||||
| 900343 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $36,025.94. Cash to close $33,583.26 with reserves $2,442.68. Required reserves $8,079.42 short reserves $5,636.74. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 710 exceeds guidelines 700. |
| 900344 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 55%; max allowed per guidelines is 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets verified at $147,865.66 less cash from borrower $132,246.52 equals $15,619.14 or 9.45 months PITIA. No reserves required. CFCFS1736: Significant time at current residence - Clayton Comments: 5 years in current residence | |||||||||||||||
| 900345 | XXXXXX | DC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 756 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Rental payment history is for 132 months when 12 months are required. | |||||||||||||||
| 900346 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has one open/active tradeline; guidelines require 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV of 69% is below the max of 75% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage history exceeds 24 months |
| 900347 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 54.41% is below guideline requirements of 70%. | |||||||||||||||
| 900348 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirement of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 17 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 797 exceeds guidelines 650. |
| 900349 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 50.56%. Max 80% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at the current residence for 21 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 807 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900350 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 736 qualifying score. Min required per guidelines is 725. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $257,794.35 verified in checking, funds to close are $92,963.83. Reserves of $164,830.52. No reserves required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70%, Max 80% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX for 7 years | |||||||||||||||
| 900351 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 743 exceeds min score requirement of 725. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below max LTV of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $257,898.88. CTC $89,662.41 leaves reserves of $168,236.47 or 68.81 mos. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 34.16% is below max DTI of 50%. | |||||||||||||||
| 900352 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 11 years. | |||||||||||||||
| 900353 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide the final Settlement Statement from refinance of REO on XXX with net proceeds to borrowers of $XXX used for funds to close and reserves for subject purchase transaction. | 08/26/2024 lender provided Final Settlement statement | 08/26/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 qualifying score. Min required per guidelines is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 25 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history of 0x30 since 9/2012. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 17.17% is below guideline requirement of 50%. |
| 900353 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PITI $XXX for REO on XXX. | 08/16/2024 lender provided PITI | 08/16/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 qualifying score. Min required per guidelines is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 25 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history of 0x30 since 9/2012. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 17.17% is below guideline requirement of 50%. |
| 900354 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.99% Max 50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 742 Min 675 | |||||||||||||||
| 900355 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing Condo Master Policy | 08/27/2024 lender provided condo Master policy | 08/27/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 48.78%; maximum 70% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves - $3,790,260.10 or 348.59 months Reserves CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 27.08%; guidelines maximum 50% |
| 900356 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has a 0x30X44 month mortgage history review. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for over 6 years. | |||||||||||||||
| 900357 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 806 qualifying score. Min required per guidelines is 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 49.89%, Max 65% for No Ratio DSCR loan | |||||||||||||||
| 900358 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 2 open/active tradelines. Guidelines require 3 open/active tradelines | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit. No public record findings. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 767; minimum required credit score per guidelines is 750. |
| 900359 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Loan qualified at 60% LTV. Max is 75% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower1 has resided in current residence for 4 years 10 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 757 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900360 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B2 has owned primary residence for 10 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $12,051 exceed guidelines $0. | |||||||||||||||
| 900361 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has no credit score or tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 30.77% is below guideline requirements 70%. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 8 years. |
| 900361 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | Borrower does not meet the credit requirements for ITIN loan of minimum credit score of 700. Borrower has no credit score and no credit tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 30.77% is below guideline requirements 70%. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 8 years. |
| 900362 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 35 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $155,215.61 or 74.52 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900363 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 784 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x25. CFCFS1737: LTV below guideline requirements - Clayton Comments: Borrower credit score of 64.29% is below max DTI of 75% | |||||||||||||||
| 900364 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | DSCR Doc Type is less than 0.800, per minimum in Guidelines. Lease agreement $2900 / $3651.45 PITI = 0.7942. Borrower does not qualify for No Ratio DSCR Doc Type at subject LTV of 65%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is for 53 months when 12 months are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 639 qualifying score. Min required per guidelines is 625. |
| 900365 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Loan approved at 65% LTV. Max is 70% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 5 years. | |||||||||||||||
| 900366 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has a 0x30x24 month mortgage history review. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 669 qualifying score. Min required per guidelines is 650. | |||||||||||||||
| 900367 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is less than the maximum of 75% for XXX loan. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 4 years. | |||||||||||||||
| 900368 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in current owner occupied residence for 5 years and 11 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $40,3341.01 or 23.54 months PITIA, guidelines required 0 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 2.72%, max per guidelines is 50%. | |||||||||||||||
| 900369 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower only has 1 open tradeline | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 624 exceeds min score requirement of 600. |
| 900370 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Hazard policy missing Rent Loss Coverage required by guidelines. | 08/16/2024 lender response: Rent loss confirmation uploaded reflecting rental coverage in10% of coverage A | 08/16/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 5 years at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 690 qualifying score. Min required per guidelines is 675. |
| 900371 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 34.52% is below max LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 770 exceeds min score requirement of 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $698,704.82. CTC $486,643.07 leaves reserves of $212,061.75 or 76.53 mos | |||||||||||||||
| 900372 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: G1 has lived at primary residence for 16 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.90% is below guideline requirement of 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $67,868 exceed guidelines $0. | |||||||||||||||
| 900373 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 796 exceeds guidelines 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $48,735 exceed guidelines $0. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.91% is below guideline requirement of 50%. | |||||||||||||||
| 900374 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | The Guarantor of this loan does not have sufficient credit depth with only 1 open/active trade line and no mortgage history. | 8/23/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 qualifying score. Min required per guidelines is 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $103,000.00 assets less Cash to Close $90,019.42 = $12,980.58 Reserves. No Reserves are required. CFCFS1736: Significant time at current residence - Clayton Comments: The Guarantor has lived at the same residence for 25 Years. |
| 900374 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan approved at 70% LTV. Max LTV is 65% due to the Guarantor of this loan does not have sufficient credit depth with only 1 open/active trade line and no mortgage history. | 8/23/24- Client acknowledged exception | Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 769 qualifying score. Min required per guidelines is 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $103,000.00 assets less Cash to Close $90,019.42 = $12,980.58 Reserves. No Reserves are required. CFCFS1736: Significant time at current residence - Clayton Comments: The Guarantor has lived at the same residence for 25 Years. |
| 900375 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $1,183,258.13 or 298.21 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900376 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years and 10 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 34 months when 12 months are required. | |||||||||||||||
| 900377 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $504,184.30 or 434.04 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900378 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 5 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $151,128.25. CTC $69,265.52 leaves reserves of $81,862.73 or 42.99 mos CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 782 exceeds min score requirement of 750. | |||||||||||||||
| 900379 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3312 | One or more Applications in file are incomplete | No | Provide a completed final 1003 application Section 1b Current Employment to include Position and Start Date for each of the Guarantors. | 08/27/2024 lender response: XXX commercial application for business loans does not ask for this specific info and it would not reflect on the final 1003 as this information is not required. Commercial Loan Application which being used for this type of loans uploaded | 08/27/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 5/2014. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 791 exceeds guidelines 750. |
| 900379 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing the VVOE for Guarantor 1 XXX within 3 calendar days of Funding. | 08/27/2024 lender response: Income for borrower XXX only used to calculate income. VOE for this borrower uploaded | 08/27/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since 5/2014. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 791 exceeds guidelines 750. |
| 900380 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 706; minimum required credit score per guidelines is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 62.070%; max allowed LTV per guidelines is 80%. | |||||||||||||||
| 900381 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX of business for over 17 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 28.90%; max allowed DTI per guidelines is 50%. | |||||||||||||||
| 900382 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 667; minimum required credit score per guidelines is 650. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: The Borrower has a 0x30x25 month mortgage history. | |||||||||||||||
| 900383 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Loan file contains a CPL only, no title report. | 08/06/2024 lender provided Title Commitment | 08/06/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DSCR Loan with DSCR of 1.02. Min is 85% CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has lived at the current residence for 24 years |
| 900384 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $172,885 exceed guidelines $0. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; max allowed per guidelines is 70%. | |||||||||||||||
| 900385 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves - $147,313.64; or 69.00 months PITI reserves CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 65.82%; max allowed LTV per guidelines is 80%. | |||||||||||||||
| 900386 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 78.97% exceeds max LTV requirements of 65% for DSCR score < 1.0. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 710 exceeds min score requirement of 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Total assets verified $96,548.69. CTC $82,757.39 leaves reserves of $13,791.30 or 5.15 mos |
| 900387 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 25 months when 12 months are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 qualifying score. Min required per guidelines is 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.20%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $38,917.77 or 19.26 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900388 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is below guideline requirements of 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $10,369.40 exceed guidelines $0. | |||||||||||||||
| 900389 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score of 755 is above the minimum score of 650. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Liquid assets available for closing are $866,556.82, Funds required to close $167,985.71. No reserves required. | |||||||||||||||
| 900390 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Assets verified at $68,626.84 less cash from borrower $6,988.94 equals $61,637.90 or 31.21 months PITIA. No reserves required. | |||||||||||||||
| 900391 | XXXXXX | MN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $83,332.10 or 11.59 months PITIA, guidelines do not require Reserves. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is below the max | |||||||||||||||
| 900392 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has a 0x30x99 months mortgage history review. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 3 years. | |||||||||||||||
| 900393 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 22 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 99 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $44,306.34 or 6.98 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900394 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 750 exceeds guidelines 625. | |||||||||||||||
| 900395 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 11 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $155,009.41 less Cash to Close $96,937.25 = $58,072.16 or 27.46 months PITIA. Reserves are not required. | |||||||||||||||
| 900396 | XXXXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 44 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $24,579.69 or 13.21 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900397 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.75%; max allowed per guidelines is 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 qualifying score. Min required per guidelines is 725. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 14.48%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $70,426.73 or 24.16 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900398 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 7 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 31 years and 1 month. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 49.88%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 762 qualifying score. Min required per guidelines is 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $166,873.40 or 49.53 months PITIA, guidelines required 0 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 15.22%, max per guidelines is 50%. CFCFS1745: Significant total monthly debt reduction - Clayton Comments: Verified cash reserves $166,873.70 or 49.53 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900399 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 743 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 49 months when 12 months are required. | |||||||||||||||
| 900400 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Rent Schedule calculated DSCR ($8600 / $8622.11 = 0.9974) below 1:0, which maximum LTV is 70%. Subject LTV is 75%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 16 months when 12 months are required. |
| 900401 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 5 years and 10 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 745 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 29 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $44,307.49 or 27.12 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900402 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 25 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $2,048,726.39 or 140.10 months PITIA, guidelines do not require Reserves. | |||||||||||||||
| 900403 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 3 years and 0 months at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 34.34% | |||||||||||||||
| 900404 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 72.30%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 qualifying score. Min required per guidelines is 750. CFCFS1746: Significant housing expense reduction - Clayton Comments: Mortgage payment history is for 79 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $16,362.60 or 14.12 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900405 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 712 exceeds guidelines 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: G1 has mortgage payment history 0x30 since XXX. | |||||||||||||||
| 900406 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | DSCR 0.7989% does not meet the minimum required of 0.80% per guidelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 15 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 787 exceeds guidelines 750. |
| 900407 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers' credit score exceeds guidelines | |||||||||||||||
| 900791 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing Final Settlement Statement for refinance of REO XXX. | 06/25/2024 lender provided FSS for REO XXX | 06/25/2024 exception satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history |
| 900408 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Missing Final Settlement Statement for refinance of REO XXX. | 06/25/2024 lender provided FSS for REO at XXX | 06/25/2024 exception satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payment on the mortgage history CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 12 years in current profession |
| 900409 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 47.41% is below max DTI of 50%. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for over 10 years. | |||||||||||||||
| 900410 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Esign, missing LE's dated XXX, XXX and XXX. | 7.17.24 Client provided LE's dated XXX, XXX and XXX. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 13.83% is below guideline requirement of 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 49.22% is below guideline requirements of 80%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 6 years. |
| 900411 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years and 0 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 5 years and 5 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 726 qualifying score. Min required per guidelines is 725. | |||||||||||||||
| 900412 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 819 exceeds min score requirement of 750 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 65% is below max LTV of 70%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x27. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $341,371.44. CTC $221,463.14 leaves reserves of $119,908.30 or 35.81 mos | |||||||||||||||
| 900413 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have resided in current owner occupied residence for 14 years and 3 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 10 years and 5 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been XXX with XXX for 10 years and 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60%; max allowed per guidelines is 65%. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 39 months when 12 months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 3.02%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $202,933.92 or 58.66 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900414 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max LTV is 80% per guidelines. Subject is 85% LTV. Exception approval in the file | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 716 qualifying score. Min required per guidelines is 700. 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 CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 25 years in current profession |
| 900415 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR237 | Appraisal is stale dated without recertification in file | No | Appraisal is dated XXX and Funding XXX. That is more than 120 days without Recertification of Value. | 08/07/2024 lender response: Updated ULAW with comp factors uploaded08/08/2024 client acknowledged exception | 08/07/2024 Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for Credit Score and Time in Profession.08/058/2024 Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 4 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 qualifying score. Min required per guidelines is 750. |
| 900416 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 40.33%, max per guidelines is 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 797 exceeds guidelines 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80% is below guideline requirements of 90%. | |||||||||||||||
| 900417 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH148 | Credit report stale dated at closing | No | Credit report dated XXX expired on XXX. Note date XXX with a disbursement date of XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 711 exceeds min score requirement of 700 CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current business for over 20 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 6.65% is below max DTI of 50%. |
| 900418 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of XXX PITI $XXX for REO on XXX as listed on the final 1003. | 07/17/2024 lender response: Uploading FSS for XXX and updated ULAW and 1003 with the correct PITIA figure. | 07/17/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 17 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 52.94% is below guideline requirements of 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.87% is below guideline requirement of 50%. |
| 900419 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide XXX P&L. | 08/01/2024 lender response: Uploading XXX P&L signed by CPA. | 08/01/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 638 qualifying score. Min required per guidelines is 625. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 56.17%; max allowed per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 42.98%, max per guidelines is 50%. |
| 900419 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | No inspection since the XXX Hurricane XXX. | 07/23/2024 lender provided Post Disaster Inspection Report | 07/23/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 638 qualifying score. Min required per guidelines is 625. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 56.17%; max allowed per guidelines is 75%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 42.98%, max per guidelines is 50%. |
| 900420 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 | Due to missing initial CD.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 7.30.24 Client provided initial CD. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 47.49% is below max DTI of 50%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x42. |
| 900420 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Due to missing initial CD.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 7.30.24 Client provided initial CD. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 47.49% is below max DTI of 50%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x42. |
| 900421 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 18 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Max DTI 50% File 22.64% | |||||||||||||||
| 900422 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 15 years and 3 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 qualifying score. Min required per guidelines is 725. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 13.13% | |||||||||||||||
| 900423 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 7 years and 5 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been XXX with XXX for 7 years and 5 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 636 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Rental payment history is for 16 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $19,996.01 or 7.68 months PITI, guidelines required 0 months PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 43.08%, max per guidelines is 50%. | |||||||||||||||
| 900424 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC150 | Income docs do not meet guidelines | No | Exception approval in file to use 80% of rent schedule for other real estate owned | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 27 years in current XXX job CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history |
| 900425 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Reserves $104,166.37 or 11.79 months PITI. Required Reserves of 12 months PITI. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.37 is less than the maximum of 50% |
| 900425 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 tradeline reporting to credit. 3 are required. No exception approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.37 is less than the maximum of 50% |
| 900425 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Max LTV for 1 year of XXX is 80%. Loan was approved at 90%. No exception in file. Business start date is XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.37 is less than the maximum of 50% |
| 900426 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 26.63% is below guideline requirement of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 6 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since XXX. | |||||||||||||||
| 900427 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing the bank statement from XXX #XXX for XXX to complete income calculation. | 07/17/2024 lender response: Uploading statement covering XXX-XXX, the way these statements landed, there were 2 statements that ended in XXX and none in XXX, but we have all statements covering every day. | 07/17/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $155,541 exceed guidelines $32,861. |
| 900427 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the FEMA Disaster effective date XXX; Severe Storms, Flooding, Straight-line Winds, and Tornadoes. | 07/09/2024 lender provided Post Disaster Inspection Report | 07/09/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since XXX. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $155,541 exceed guidelines $32,861. |
| 900428 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $395 due to Trust Review increased from LE XXX to LE XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 5.29.24 Client provided valid COC. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been XXX for 21 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 781 exceeds guidelines 750. |
| 900429 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the FEMA Disaster XXX; Severe Storms, Flooding, Straight-line Winds, and Tornadoes. | 07/23/2024 lender provided Post Disaster Inspection Report | 07/23/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.63%; max allowed per guidelines is 65%. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned subject residence for 8 years. CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in the same profession for 25 years. |
| 900430 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been XXX at current job for 33 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned subject residence for 31 years. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900431 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certification Document. | 06/27/2024 lender provided Flood Certificate | 06/27/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been at current job for 22 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 60% is below guideline requirements of 65%. |
| 900432 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Acceptable Evidence of XXX Business, as required by lender guidelines. | 07/24/2024 lender provided Business verification | 07/24/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 13 years and 9 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 12 years and 5 months in current profession. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 37.03% |
| 900433 | XXXXXX | DC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 46.84, Max 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.25%, Max 50% | |||||||||||||||
| 900434 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | LTV of 75% exceeds max LTV requirements of 65% for credit score of 624 that is below 625 min requirement. | 6/18/24- Client uploaded broker credit report dated XXX for review. However credit report in the original file is dated XXX (after Broker report). Exception remains06/25/2024 client acknowledged exception | Upon further review by Senior Underwriter, LTV exception is deemed non-material. Broker credit report reflects mid-score of 62906/25/2024 Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 8 years. |
| 900435 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide documentation for source of donor gift funds in the amount of $60,000. | 6/17/24- Nothing provided in upload for review. Exception remains07/09/2024 lender response: The source only needs to be noted on the gift letter and it is noted to be XXX #XXX, uploading wire receipt from this account to the closer. | 07/09/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.92% is below guideline requirement of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 5 years. |
| 900435 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | 6/17/24- Client acknowledged exception | 6/17/24- Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.92% is below guideline requirement of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 5 years. |
| 900435 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER127 | Payment shock does not meet guidelines | No | B1 with payment shock greater than 3x. Lender approval in file. | 6/17/24- Client acknowledged exception | 6/17/24- Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 20.92% is below guideline requirement of 43%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 5 years. |
| 900436 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 22 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 59.46% is below guideline requirements of 65%. | |||||||||||||||
| 900437 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 643 qualifying score. Min required per guidelines is 625. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 48.89% is below guideline requirements of 70%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 5 years. | |||||||||||||||
| 900438 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Subject is a Singlewide Manufactured home and is unacceptable per guidelines. Lender approval in file to 55% LTV. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 32 years. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned subject residence for 21 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.84% is below guideline requirement of 50%. |
| 900439 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 | Due to missing the confirmation for CD XXX. Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 7.10.24 Client provided initial CD. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 20 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 26 years |
| 900439 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Due to missing the confirmation for CD XXX. Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 7.10.24 Client provided initial CD. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job of 20 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job of 26 years |
| 900440 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Per guidelines, for LTVs less than or equal to 65%, three (3) tradelines are required but only one (1) of the tradelines needs to be seasoned greater than two (2) years. Per credit report, borrower has no tradelines greater than 2 years. Additionally, prior residence was rent free, per letter from relative provided in credit file. | 7/3/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX as a XXX for 7 years and 4 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 33.90%; max allowed per guidelines is 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 780 qualifying score. Min required per guidelines is 750. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $21,143.87 or14.16 months PITIA, guidelines required 0 months PITIA. |
| 900441 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in same profession for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.96% is below guideline requirement of 50%. | |||||||||||||||
| 900442 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 711; minimum required credit score per guidelines is 650. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX for 14 years and 2 months. | |||||||||||||||
| 900443 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $88,120.89. Cash to close $53,606.79 with reserves $34,514.10. Required reserves $4,405.39 x 12 = $52,864.68 short reserves $18,350.58. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 5 years. |
| 900443 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV 90% exceeds the maximum of 85% for purchase transaction with credit score less than 700. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned primary residence for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 5 years. |
| 900444 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 40 years and 0 months at current residence. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 801 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900445 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 10 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 20 years and 8 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 qualifying score. Min required per guidelines is 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; max allowed per guidelines is 90% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $190,497.24 or 45.52 months PITIA, guidelines required 6 months PITIA. | |||||||||||||||
| 900446 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | LE dated XXX missing page 2. | 7.17.24 Response to client: File contains LE XXX however missing page 2 of LE XXX. Exception remains.7.19.24 Client provided pg 2 of LE XXX. Exception satified. | Exception remains.Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been employed at current employer for 25 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned XXX residence for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $22,456 exceed guidelines $0. |
| 900446 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirement of 3 open tradelines greater than 24 months. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been employed at current employer for 25 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned XXX residence for 20 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $22,456 exceed guidelines $0. |
| 900447 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 10.85% is below guideline requirement of 50%. | |||||||||||||||
| 900448 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: The Borrower has an overall good credit history. No derogatory credit. No public record findings. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 743; minimum required credit score per guidelines is 725. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been owner of business for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 57.43%; max allowed per guidelines is 80%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 38.52%, max per guidelines is 50%. | |||||||||||||||
| 900449 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been owner of current business for 24 years and 3 months. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 37.14%; max allowed DTI per guidelines is 50%. | |||||||||||||||
| 900450 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x34. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 791 exceeds min score requirement of 750. | |||||||||||||||
| 900451 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 9 years and 0 months in current profession. CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 80% File LTV 40.28% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900452 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Funds required to close - $75,269.87. Verified assets - $918,890.59 leaves reserves - $843,620.72 or 114.23 mos CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 25.29%; max allowed DTI is 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been owner of primary business for 7 years. CFCFS2860: Good credit history - Clayton Comments: Borrower has a good credit history. No derogatory credit. No public record findings. | |||||||||||||||
| 900453 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 37.20% is below max DTI of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 779 exceeds guidelines 750. | |||||||||||||||
| 900454 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not on Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 0 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 665 qualifying score. Min required per guidelines is 650. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 16.25% |
| 900454 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fee of $1265 due to Broker fees increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. There is a $250 lender credit on the final CD. | 7.30.24 Client provided COC. Exception satisfied. | Exception satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 10 years and 0 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 665 qualifying score. Min required per guidelines is 650. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 16.25% |
| 900455 | XXXXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Total assets verified $136,558.44 CTC $95,522.16 leaving reserves of $41,036.39 or 5.57 mos. 12 mos is required for LTV > 85%. | 07/17/2024 lender response: Updated ULAW with comp factors uploaded07/18/2024 client acknowledged exception | 07/17/2024 Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for Credit Score, and DTI.07/18/2024 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 713 exceeds min score requirement of 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.58% is below max DTI of 50% |
| 900456 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing final CD. | 7.19.24 Response to client: Initial CD was received however the final CD is missing. File contains CD's dated XXX and XXX. Exception remains.7.29.24 Response to client: PCCD was received. File contains initial CD XXX, revised CD XXX however we are missing the final CD. Exception remains.8.1.24 Client provided final CD. Exception satisfied. | Exception remains.Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 797; minimum required credit score per guidelines is 750. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been owner of business for 20 years and 2 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 45%; max allowed per guidelines is 75%. |
| 900456 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC5551 | Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests | No | Missing final CD. Additional conditions may apply. | 7.19.24 Response to client: Initial CD was received however the final CD is missing. File contains CD's dated XXX and XXX. Exception remains.7.25.24 Response to client: CD XXX was received however was in the original package (signed XXX). The final CD is missing from the file. Exception remains.7.29.24 Response to client: PCCD was received. File contains initial CD XXX, revised CD XXX however we are missing the final CD. Exception satisfied. | Exception satisfied. | Hybrid | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 797; minimum required credit score per guidelines is 750. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been owner of business for 20 years and 2 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 45%; max allowed per guidelines is 75%. |
| 900456 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fee of $1890 due to Discount points increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 7.30.24 Client provided COC. Exception satisfied. | Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 797; minimum required credit score per guidelines is 750. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been owner of business for 20 years and 2 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 45%; max allowed per guidelines is 75%. |
| 900456 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The monthly payments of $591 for contingent liability XXX (acct#XXX) was not included in the Borrower's DTI. Guidelines requires Canceled checks covering the last six (6) months showing no late payments by the primary obligor will be required. The loan file does not consists of the last consecutive 6 months canceled checks. The loan file consists of only XXX, XXX, XXX, XXX and XXX. | 08/01/2024 lender response: Uploading statement showing XXX and XXX payments made by a 3rd party and not our borrower. | 08/01/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 797; minimum required credit score per guidelines is 750. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been owner of business for 20 years and 2 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 45%; max allowed per guidelines is 75%. |
| 900457 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70% is below max LTV of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 746 exceeds min score requirement of 725. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x26. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.08% is below max DTI of 50%. | |||||||||||||||
| 900458 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3590 | TRID - At least one LE was delivered on or after the date that a CD was delivered | No | Final LE XXX was issued and signed. Initial CD XXX was issued and signed. | 7.16.24 Response to client: File contains LE XXX e-signed by borrower on XXX; page 1068. Exception remains.8.16.24 Client provided LOE. Exception satisfied. | Exception remains.Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX of XXX for 5 years and 3 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 51.37: max allowed LTV per guidelines is 75%. |
| 900459 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 12 months reserves required. Post-closing reserves calculated 4.81 months. Lender provided an exception. | 7/3/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 27 months when 12 months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 19.71%, max per guidelines is 50%. |
| 900460 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Income was calculated using 10% expense ratio. Per guidelines, in noinstance would XXX consider a ratio of less than a 10% overhead factor tobusiness statements. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 17 months when 12 months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 44.44%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $461,333.60 or 22.59 months PITIA, guidelines required 6 months PITIA. |
| 900460 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Per guidelines, maximum LTV for loan amount greater than $2,000,000, is 80%. Subject LTV is 85%. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 17 months when 12 months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 44.44%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $461,333.60 or 22.59 months PITIA, guidelines required 6 months PITIA. |
| 900460 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL796 | Missing Title | No | Missing title document from credit file. | 07/12/2024 lender provided title preliminary report | 07/12/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 749 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 17 months when 12 months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 44.44%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $461,333.60 or 22.59 months PITIA, guidelines required 6 months PITIA. |
| 900461 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the (XXX) Fema Disaster- (Severe Storms, Flooding, Straight-line Winds, and Tornadoes) | 08/01/2024 lender provided Post Disaster Inspection Report | 08/01/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current rental occupied residence for 7 years and 8 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 6 years and 3 months. CFCFS1739: Postive mortgage payment history - Clayton Comments: Rental payment history is for 84 months when 12 months are required. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 38.58%, max per guidelines is 50%. |
| 900462 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the FEMA Disaster with effective date XXX; Severe Storms, Flooding, Straight-line Winds, and Tornadoes | 7/3/24- Client uploaded PDI for review | 7/3/24- Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 761 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 4.15% is below guideline requirement of 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 9 years. |
| 900463 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified assets $100,025.55. Cash to close $97,587.57 with reserves $2,437.98. Required reserves $99,771.60 short reserves of $97,333.62. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28% below guideline requirement 50%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has verified rental history 0x30 since XXX. |
| 900464 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Title | Satisfied | D | A | D | A | CRDTIL865 | Title incomplete | No | Provide complete Preliminary Title Commitment | 07/16/2024 lender provided Preliminary Title Report | 07/16/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 16.50% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 771 qualifying score. Min required per guidelines is 750. CFCFS1736: Significant time at current residence - Clayton Comments: 38 years and 0 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 38 years and 0 months in current profession. |
| 900465 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $1373.50 due to increased Broker fee from LE XXX to CD XXX. Condition is pending receiving a valid Change of Circumstances or PCCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 7.22.24 Client provided COC. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 60%; max allowed LTV per guidelines is 75%. CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit within 24 months. No public record findings. |
| 900465 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Verification Of Rent form was provided and completed by a landlord. Missing most recent consecutive 12 months cancelled checks. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 60%; max allowed LTV per guidelines is 75%. CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit within 24 months. No public record findings. |
| 900466 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 58.25%; max allowed LTV per guidelines is 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 674; minimum required credit score per guidelines is 650. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 45.65% is below max DTI of 50%. | |||||||||||||||
| 900467 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 3 years and 0 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 5 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 36.58% | |||||||||||||||
| 900468 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current rented occupied residence for 10 years and 4 months. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 16 years and 4 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 665 qualifying score. Min required per guidelines is 650. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $249,698.20 or 36.37 months PITIA, guidelines required 0 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 39.10%, max per guidelines is 50%. | |||||||||||||||
| 900469 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 773; minimum required credit score per guidelines is 750 CFCFS2860: Good credit history - Clayton Comments: Both Borrowers have an overall good credit history. No derogatory credit. No public record findings. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower #2 has been employed at current employer for 17 years. | |||||||||||||||
| 900470 | XXXXXX | KS | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 7.03.% is below guideline requirement of 50%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 709 exceeds guidelines 700. |
| 900471 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2860: Good credit history - Clayton Comments: Both Borrowers have an overall good credit history. No derogatory credit. No public record findings. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed on current job for 9 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower #2 has been employed at current employer for 18 years and 6 months. | |||||||||||||||
| 900472 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 3 years and 0 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 639 qualifying score. Min required per guidelines is 625. | |||||||||||||||
| 900473 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 | Due to missing the confirmed receipt for CD XXX.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 7.2.24 Client provided the confirmed receipt for CD XXX. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 11.31%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $69,688.64 or 19.47 months PITI, guidelines required 6 months PITI. CFCFS1739: Postive mortgage payment history - Clayton Comments: Rental payment history is for 27 months when 12 months are required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 6 years and 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 qualifying score. Min required per guidelines is 750. |
| 900473 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Due to missing the confirmed receipt for CD XXX.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 7.2.24 Client provided the confirmed receipt for CD XXX. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 11.31%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $69,688.64 or 19.47 months PITI, guidelines required 6 months PITI. CFCFS1739: Postive mortgage payment history - Clayton Comments: Rental payment history is for 27 months when 12 months are required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 6 years and 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 qualifying score. Min required per guidelines is 750. |
| 900473 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER127 | Payment shock does not meet guidelines | No | PITI of $XXX exceeds the allowable payment shock of less than three times with prior payment amount of $1,100. Per guidelines, lender will consider for First time Home Buyers ("FTHB") provided they do not have, for primary residence purchase, a payment shock of greater than three times (3X) that of their current rental payment. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 11.31%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $69,688.64 or 19.47 months PITI, guidelines required 6 months PITI. CFCFS1739: Postive mortgage payment history - Clayton Comments: Rental payment history is for 27 months when 12 months are required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 6 years and 3 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 qualifying score. Min required per guidelines is 750. |
| 900474 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2996 | Missing Trust Documents | No | Loan close by borrower as Trustee of a Revocable Trust. Missing the executed Trust Documentation. | 07/31/2024 lender provided Executed Trust Cert | 07/31/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 40.59% is below guideline requirements of 90%. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 40.76%, max per guidelines is 50%. |
| 900475 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Application | Waived | B | B | B | B | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Borrower does not have a valid XXX. Exception approved in file | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 664 qualifying score. Min required per guidelines is 650. CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history CFCFS2860: Good credit history - Clayton Comments: Borrower has overall good credit history |
| 900476 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 10 years and 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 60.390%; max allowed per guidelines is 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 670 qualifying score. Min required per guidelines is 650. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 35.91%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $126,717.66 or 89.06 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900477 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Loan DTI 5.56%. Max 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: Loan LTV is 70%. Max is 85% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 699 qualifying score. Min required per guidelines is 675. | |||||||||||||||
| 900478 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves $44,763 do not meet the required reserves of $75,106. Lender approval for 6 months reserves ($37,553) in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 42.93%, max per guidelines is 50%. CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in the same profession for 8 years. |
| 900479 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Final 1003 reflects borrower is a XXX; however file contains a XXX. | 08/27/2024 Lender response: Updated 1003 uploaded08/27/2024 Clayton response: 1003 document received is not legible. Please upload again.08/29/2024 lender provided Updated 1003 | 08/29/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 719 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 36.94% CFCFS2854: Significant time in profession - Clayton Comments: 25 years and 6 months in current profession. |
| 900480 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 qualifying score. Min required per guidelines is 750. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 30.08, Max 70% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.48, Max 50% | |||||||||||||||
| 900481 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Borrower has 13 months of XXX and guidelines require 24 months of XXX for Bank Statemen Doc Type. Borrower has similar business experience of 9 years. | 7/3/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 17.55% is below guideline requirement of 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $378,493 exceed guidelines $88,308. |
| 900482 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets verified at $187,805.46 less cash from $149,025.70 equals $38,779.76 or 4.74 months PITIA. Reserves of 6 months required. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 34.67%, max per guidelines is 50%. CFCFS2854: Significant time in profession - Clayton Comments: 7 years and 3 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 qualifying score. Min required per guidelines is 750. |
| 900483 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Due to missing initial CD.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 7.30.24 Client provided initial CD. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Loan DTI is 38.68%. Max is 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.91%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: assets are $323,527. Reserves are not required. |
| 900483 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Due to missing initial CD.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 7.30.24 Client provided initial CD. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Loan DTI is 38.68%. Max is 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.91%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: assets are $323,527. Reserves are not required. |
| 900483 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial CD. | 7.30.24 Client provided initial CD. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Loan DTI is 38.68%. Max is 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.91%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: assets are $323,527. Reserves are not required. |
| 900484 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | PCCD XXX disclosed Finance Charges of $XXX, Clayton calculation is $XXX, resulting in understated finance charges of $350 which exceeds the maximum allowed of $100.00. | 7.30.24 Client provided PCCD, refund check and proof of delivery. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 780; minimum required credit score per guidelines is 750 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 41.98%; max allowed DTI per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $417,500. CTC $283,788.80 leaves reserves of $133,711.20 or 29.89 mos |
| 900484 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | PCCD XXX disclosed Amount Financed of $XXX, Clayton calculation is $XXX, resulting in understated finance charges of $350 which exceeds the maximum allowed of $100.00. | 7.30.24 Client provided PCCD, refund check and proof of delivery. Exception satisfied. | Exception satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 780; minimum required credit score per guidelines is 750 CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 41.98%; max allowed DTI per guidelines is 43%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $417,500. CTC $283,788.80 leaves reserves of $133,711.20 or 29.89 mos |
| 900485 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2408 | Income verification does not meet guidelines | No | Per guidelines, all borrowers should have a two year history of receiving stable income from employment. Missing 2 year employment verification of Borrower 1. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 20 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been XXX with XXX for 5 years and 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.86%; max allowed per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 643 qualifying score. Min required per guidelines is 625. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 40.41%, max per guidelines is 50%. |
| 900485 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Verification of employment for borrower 1 is missing dates of employment. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 20 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been XXX with XXX for 5 years and 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.86%; max allowed per guidelines is 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 643 qualifying score. Min required per guidelines is 625. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 40.41%, max per guidelines is 50%. |
| 900486 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fee of $899.75 due to Origination fee increased from XXX to CD XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 7.26.24 Client provided COC. Exception satisfied. | Exception satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 5 years and 0 months at current residence. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 724 qualifying score. Min required per guidelines is 700. |
| 900487 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $20,825 exceed guidelines $13,710. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 721 exceeds guidelines 700. |
| 900488 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 43% File 28.51% CFCFS1736: Significant time at current residence - Clayton Comments: 18 years and 0 months at current residence. | |||||||||||||||
| 900489 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | For Borrower #1. Missing VVOE within three (3) calendar days prior to funding date. | 07/31/2024 lender response: VOE uploaded. VOE verified on XXX within 3 business days of funding date of XXX07/31/2024 Clayton response: VVOE received was applicable for Borrower2, XXX. The Exception was for Borrower1, XXX working for XXX. Please provided VVOE for Borrower1 XXX. Exception remains.08/06/2024 Lender provided VVOE for borrower XXX | 08/06/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employer at current employer for over 8 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower #2 has been employed at current employer for 24 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 715; minimum required credit score per guidelines is 700. |
| 900490 | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years on current XXX job CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 29% | |||||||||||||||
| 900491 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | VVOE dated XXX is incomplete. Does not disclose the title of the person who completed the VVOE. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 40.82%; max allowed DTI per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves - $68,032.51 or 10.78 months reserves. Required reserves per guides - $0 |
| 900492 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 47.62% is below the max of 75% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX for 5 years | |||||||||||||||
| 900493 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; max allowed per guidelines is 90%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 802 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 26.41%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $612,042.12 or 161.19 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900494 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 770 | |||||||||||||||
| 900495 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Funds to close as shown on CD dated XXX are $411,132.68. Documented assets are $192,001.45. Assets are short funds to close by $219,131.23. Final CD for this loan and CD from sale of departing residence appear to both include a payoff for the same mortgage that was attached to the departing residence. | 08/13/2024 lender response: Uploading updated CD only for XXX transaction, need $119K to close, borr has $192K. | 08/13/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Loan approved with DTI of 36.66%. Max 50% CFCFS2860: Good credit history - Clayton Comments: No late payments reported to credit. |
| 900496 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guidelines require 3 open and active trade lines. Borrower has 1 revolving account. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI 14.10% Max 50% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX for 8 years |
| 900496 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV 74.65%, Max LTV per Matrix of 70%. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Qualifying DTI 14.10% Max 50% CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX for 8 years |
| 900497 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 6 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 11.92% |
| 900497 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide CPA Letter. | 07/31/2024 lender provided CPA letter and verification of business | 07/31/2024 exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession - Clayton Comments: 6 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 715 qualifying score. Min required per guidelines is 700. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 11.92% |
| 900498 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Guidelines require 2 year employment verification. Borrower's 2nd job is less than 2 years. Lender provided an exception. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 21 months when 12 months are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 qualifying score. Min required per guidelines is 750. |
| 900498 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3654 | Borrower(s) do not meet guideline requirements for citizenship status | No | Loan Amount of $XXX exceeds guidelines maximum of $1,000,000 for XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 21 months when 12 months are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 qualifying score. Min required per guidelines is 750. |
| 900498 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No | Per guidelines, loan amounts for purchase >$2.0M requires two appraisals. Missing Second Full Appraisal for at least $XXX. Credit file contains only one appraisal. | 08/01/2024 lender provided 2nd Appraisal | 08/01/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 21 months when 12 months are required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 qualifying score. Min required per guidelines is 750. |
| 900499 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Seller fees reflected on Seller CD but not on Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 32.38% CFCFS1736: Significant time at current residence - Clayton Comments: 42 years and 5 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 43 years and 2 months in current profession. |
| 900499 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $1500 due to (2nd Appraisal) increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 7.25.24 Client provided COC. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 32.38% CFCFS1736: Significant time at current residence - Clayton Comments: 42 years and 5 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 43 years and 2 months in current profession. |
| 900500 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero Tolerance Fee of $5775 due to Discount points increased from LE XXX to LE XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 07/30/2024- Client provided change of Circumstances | 07/30/2024- Upon further review of change of circumstances, final grade B. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 737; minimum required credit score is 625 for 75% LTV CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed at current employer for 10 years and 1 month. |
| 900501 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with XXX for 6 years and 5 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 658 qualifying score. Min required per guidelines is 650. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 360 months when 12 months are required. | |||||||||||||||
| 900502 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 11 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 9.92%, max per guidelines is 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 54.69%; max allowed per guidelines is 60%. | |||||||||||||||
| 900503 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX. CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have owned subject residence for 20 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 54.22% is below guideline requirements of 80%. | |||||||||||||||
| 900504 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 768 qualifying score. Min required per guidelines is 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 41.86% is below guideline requirements of 80%. | |||||||||||||||
| 900505 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned subject residence for 8 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 35.84% is below guideline requirements of 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 36.42%, max per guidelines is 50%. | |||||||||||||||
| 900506 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 | Due to missing initial CD.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 7.25.24 Client provided initial CD. Exception satisifed. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 671 qualifying score. Min required per guidelines is 650. CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 70% File LTV 15% |
| 900506 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Due to missing initial CD.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 7.25.24 Client provided initial CD. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 671 qualifying score. Min required per guidelines is 650. CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 70% File LTV 15% |
| 900506 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR1939 | Appraiser License for Incorrect State | No | Provide missing FULL appraisal. | 07/24/2024 lender provided Appraisal | 07/24/2024 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 671 qualifying score. Min required per guidelines is 650. CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 70% File LTV 15% |
| 900506 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR100 | Missing Appraisal | No | Provide missing FULL appraisal. | 07/24/2024 lender provided Appraisal | 07/24/2024 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 671 qualifying score. Min required per guidelines is 650. CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 70% File LTV 15% |
| 900506 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations | FEMA | Satisfied | B | A | B | A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Provide missing FULL appraisal. | 07/24/2024 lender provided Appraisal | 0724/2024 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 671 qualifying score. Min required per guidelines is 650. CFCFS1737: LTV below guideline requirements - Clayton Comments: Max LTV 70% File LTV 15% |
| 900507 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | This exception is informational per Clayton Compliance department and TRID 2.0 revisions. | Exception satisfied. Final Grade A. | Numeric | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit within 24 months. No public record findings. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 736; minimum required credit score per guidelines is 650. |
| 900508 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Due to CD XXX missing the confirmed receipt.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 7.16.24 Client provided proof of delivery. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.14% is below max 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.43% is below max DTI of 50%. |
| 900508 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing the following income documents: 1. Two years signed tax returns with schedule E for rental income. 2. Missing current lease agreement for REO. | 07/31/2024 lender response: Uploading signed XXX Sch E and lease agreement for REO. Per updated guidelines from XXX, XXX now offers a 1 year full doc option. | 07/31/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 57.14% is below max 75% CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.43% is below max DTI of 50%. |
| 900509 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: Loan approved at 28.09% LTV. Max 75% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 669 qualifying score. Min required per guidelines is 650. | |||||||||||||||
| 900510 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 811 exceeds min score requirement of 750. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x99. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $297,689.21. CTC $118,477.45 leaves reserves of $179,211.76 or 37.99 mos | |||||||||||||||
| 900511 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 16 years and 4 months CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; max allowed per guidelines is 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 qualifying score. Min required per guidelines is 725. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 31 months when 12 months are required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $416,444.52 or 30.66 months PITI, guidelines required 6 months PITI. | |||||||||||||||
| 900512 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 63.69%. Max 75% | |||||||||||||||
| 900513 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in his profession for 9 years 4 months. | |||||||||||||||
| 900514 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. | 08/07/2024 lender provided Desk review | 08/07/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at primary residence for over 17 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 54.79% is below max LTV of 80%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x99. |
| 900515 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75%; max allowed per guidelines is 80%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 680 qualifying score. Min required per guidelines is 675. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 26.93%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $31,718.66 or 8.68 months PITIA, guidelines required 0 months PITIA. | |||||||||||||||
| 900516 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned subject residence for 20 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since XXX. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 34.09% is below guideline requirements of 65%. | |||||||||||||||
| 900517 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Esign, missing CD dated XXX. | 8.1.24 Client provided CD XXX. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has rented current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 8 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.92% is below guideline requirement of 43%. |
| 900517 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide documentation to support Gift funds $34,500; wire for gift funds or verification of donors account and has cleared bank account. | 08/14/2024 lender provided Gift funds wire receipt | 08/14/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has rented current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 8 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.92% is below guideline requirement of 43%. |
| 900517 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER127 | Payment shock does not meet guidelines | No | B1 has payment shock of 4.7 times that exceeds guidelines of 3 times. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has rented current residence for 8 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 8 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 36.92% is below guideline requirement of 43%. |
| 900518 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 698 exceeds min score requirement of 675. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.45% is below max DTI of 50%. |
| 900519 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 668, minimum 650 | |||||||||||||||
| 900520 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3024 | LTV Exceeds Guideline Requirement by less than 5% | No | LTV 83.51% exceeds guideline maximum of 80% | 08/09/2024 lender response: Updated ULAW with comp factors uploaded8/12/24- Client acknowledged exception | 08/09/2024 Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for time in profession/XXX. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job 16 years 11 months. CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession 17 years. |
| 900521 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH104 | Credit score below guidelines | No | The Borrower's credit report does not disclose any credit scores. Exception approval was provided on page 329. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX of business for over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for over 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.50%, max per guidelines is 50%. |
| 900521 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 1 open/active tradeline (VOR). Guidelines require 3 open/active tradelines. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX of business for over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for over 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.50%, max per guidelines is 50%. |
| 900521 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Tax Preparer letter was provided. Missing Tax preparers license verification, from municipal, state or federal licensing boards or proof of their business existence. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX of business for over 10 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for over 10 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 22.50%, max per guidelines is 50%. |
| 900522 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | TILA/RESPA Integrated Disclosure | Waived | B | B | B | B | CMPTRID3492 | TRID - Waiver of TRID waiting period in file | No | Initial CD in file dated XXX was not provided three days prior to closing date of XXX. Borrower letter is in file waiving three day waiting period. This exception can be cancelled with client consent to keep exception CMPTRID3492 as active 2/B | 8.8.24 Response to client: In order to apply the waiver, we keep this exception open with a 2/B grade. Exceptions CMPTRID3618 and CMPTRID3626 are cancelled. Exception remains. 8.12.24 Client acknowledged tradeline exception. | Exception remains. Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 781 exceeds guidelines 750. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 8 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $24,308 exceed guidelines 21,496. |
| 900523 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Loan approved with a DTI of 32.58%. Max is 50% CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current residence for 20 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 62.79%; max allowed per guidelines is 80%. | |||||||||||||||
| 900524 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing Loan Approval and Lender Approval Worksheet. | 08/19/2024 lender provided Approval & ULAW | 08/19/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 39.16% is below max LTV of 70%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 635 exceeds min score requirement of 625. |
| 900525 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B2 does not meet the minimum credit requirement of 3 open tradelines greater than 24 months. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $35,048 exceed guidelines $18,771. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has been XXX at current job for 10 years. |
| 900526 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 693; minimum required credit score per guidelines is 675 CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is at 24.94%; max allowed LTV per guidelines is 80%. | |||||||||||||||
| 900527 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 692 exceeds min score requirement of 675. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: COB has been XXX for over 5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.60% is below max DTI of 50%. | |||||||||||||||
| 900528 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 | Due to CD XXX missing confirmation.Initial CD dated XXX with a Closing Date of XXX. Loan closed before end of waiting period (3 days not observed). | 8.1.24 Client provided initial CD confirmation. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.64% is below max LTV of 90%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $369,723.41. CTC $220,610.61 leaves reserves of $149,112.80 or 43.78 mos. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 46.23% is below max DTI of 50%. |
| 900528 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Due to CD XXX missing confirmation.Initial CD dated XXX with a Closing Date of XXX. Loan closed before end of waiting period (3 days not observed). | 8.1.24 Client provided initial CD confirmation. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.64% is below max LTV of 90%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $369,723.41. CTC $220,610.61 leaves reserves of $149,112.80 or 43.78 mos. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 46.23% is below max DTI of 50%. |
| 900528 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | Due to CD XXX missing confirmation.Initial CD dated XXX with a Closing Date of XXX. Loan closed before end of waiting period (3 days not observed). | 8.1.24 Client provided initial CD confirmation. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.64% is below max LTV of 90%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $369,723.41. CTC $220,610.61 leaves reserves of $149,112.80 or 43.78 mos. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 46.23% is below max DTI of 50%. |
| 900529 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 | Due to missing initial CD.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 8.1.24 Client provided initial CD. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 773 exceeds program guidelines 600. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since XXX. |
| 900529 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Due to missing initial CD.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 8.1.24 Client provided initial CD. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 773 exceeds program guidelines 600. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since XXX. |
| 900530 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 exceeds CFCFS1737: LTV below guideline requirements - Clayton Comments: The LTV is below the max of 90% | |||||||||||||||
| 900531 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 722; minimum required credit score per guidelines is 700. CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history. No derogatory credit within 24 months. No public record findings. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage payment history is for 28 months when 12 months are required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 58.07%; max allowed per guidelines is 80%. | |||||||||||||||
| 900532 | XXXXXX | KS | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER127 | Payment shock does not meet guidelines | No | Payment Shock of 3.34 times previous rental $2203.03 / $660 = 3.34. Guidelines max for FTHB of 3 times. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 10.88%; max allowed DTI per guidelines is 50%. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX current business for over 20 years. |
| 900533 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 738 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 19.28%, Max 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 75&, Max 90% | |||||||||||||||
| 900534 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation to support REO on XXX is listed in entity name or provide tax amount to be included in DTI calculation. | 08/21/2024 lender provided XXX uploaded reflecting property listed in entity name | 08/21/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 61.82% is below guideline requirements of 75%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 757 exceeds guidelines 750. |
| 900535 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's loan approval/underwriting form/ LAW or loan approval worksheet. | 07/30/2024 lender provided Underwriting Worksheet & Approval | 07/30/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 28.22%, max per guidelines is 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 45.93%; max allowed per guidelines is 80%. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 4 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job 2 years 2 months |
| 900536 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | 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 | Due to CD XXX missing confirmed receipt.Initial CD dated XXX with a Closing Date of XXX. Loan closed before end of waiting period (3 days not observed). | 8.12.24 Client provided confirmed receipt. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years and 1 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 20 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 29.31% |
| 900536 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Due to CD XXX missing confirmed receipt.Initial CD dated XXX with a Closing Date of XXX. Loan closed before end of waiting period (3 days not observed). | 8.12.24 Client provided confirmed receipt. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years and 1 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 20 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 29.31% |
| 900536 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets verified at $124,465.01 less cash from $105,441.11 equals $19,023.90 or 4.74 months PITIA. Required Reserves are 6 months PITIA. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: 7 years and 1 months at current residence. CFCFS2854: Significant time in profession - Clayton Comments: 20 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 777 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 29.31% |
| 900537 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX business for over 9 years. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at subject property for 38 years. | |||||||||||||||
| 900538 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 724 exceeds guidelines 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $42,883 exceed guidelines $0. | |||||||||||||||
| 900539 | XXXXXX | MO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: 3 years and 0 months at current residence. CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 50% File 34.15% | |||||||||||||||
| 900540 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed with XXX for 29 years and 10 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been employed with XXX for 22 years and 5 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 59.18%; max allowed per guidelines is 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $50,497.65 or 26.51 months PITIA, guidelines required 0 months PITIA. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 29.06%, max per guidelines is 50%. | |||||||||||||||
| 900541 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80% is below guideline requirements of 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 689 qualifying score. Min required per guidelines is 675. |
| 900541 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing the Homeowners Insurance Declaration document. The credit file contains only an Invoice. | 08/19/2024 lender provided HOI | 08/19/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 80% is below guideline requirements of 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 689 qualifying score. Min required per guidelines is 675. |
| 900542 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Guidelines requires 12 months PITIA reserves ($10,394.30 x 12 = $124,731.60) requirement > 85% LTV. Funds required to close - $194,711.93. Verified assets of $283,989.98. Verified reserves after closing of $89,278.05; or 8.59 Months PITI Reserves. Additional verified assets of approx. $35,453.55 are required to meet reserves requirements. | 08/27/2024 lender response: Updated ULAW with comp factors uploaded08/28/2024 client acknowledged exception | 08/27/2024 Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors applied for DTI, Credit Score, and Time XXX.08/28/2024 Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 712; minimum required credit score per guidelines is 700. CFCFS1734: Borrower has significant time at current job - Clayton Comments: The Borrower has been XXX for current business for over 6 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 39.82%; max allowed DTI per guidelines is 50%. |
| 900543 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS2854: Significant time in profession - Clayton Comments: 15 years and 0 months in current profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 808 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900544 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has no open tradelines | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total verified assets $222,062,74. CTC $67,331.39 leaves $154731.35 sufficient to cover loan amt and leave an additional $39,681.35 or 33.61 mos for reserves. |
| 900544 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | ATR in Full requires min 600 credit score. Borrower has no scores. Lender exception approval provided. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total verified assets $222,062,74. CTC $67,331.39 leaves $154731.35 sufficient to cover loan amt and leave an additional $39,681.35 or 33.61 mos for reserves. |
| 900545 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Due to missing initial CD.Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 8.6.24 Client provided initial CD. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 735; minimum required credit score per guidelines is 725. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 30.69%; max allowed DTI per guidelines is 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 90%. |
| 900545 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Guideline require 3 open/active tradelines, and borrower has 2. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 735; minimum required credit score per guidelines is 725. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 30.69%; max allowed DTI per guidelines is 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 90%. |
| 900545 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE within 3 days of Funding | 08/05/2024 lender response: VOE uploaded. Note that the broker VOE can be used on behalf of XXX VVOE if within 72 hours of funding08/05/2024 Clayton response: VVOE received is not for the Borrower on subject loan. Please upload correct VVOE for subject loan. Exception remains.08/08/2024 lender provided VVOE | 08/08/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 735; minimum required credit score per guidelines is 725. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 30.69%; max allowed DTI per guidelines is 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 90%. |
| 900546 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV 75% exceeds the maximum for cash out refinance with credit score 666 of 70%. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned subject residence for 17 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 27 years. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: B1 has mortgage payment history 0x30 since XXX. |
| 900547 | XXXXXX | NH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $173,962.26 or 40.44 months PITI, guidelines required 0 months PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 28.68%, max per guidelines is 50%. |
| 900547 | XXXXXX | NH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has 2 open/active tradelines, and guidelines require 3 open/active tradelines | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $173,962.26 or 40.44 months PITI, guidelines required 0 months PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 28.68%, max per guidelines is 50%. |
| 900547 | XXXXXX | NH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing Verification of Employment to confirm length of employment and amount of ownership. LOE states borrower is 100% owner. 1003 reflects borrower is partner. | 08/21/2024 lender response: Uploading CPA letter advising borr is 100% XXX of the LLC since XXX. The CPA letter and current bank statements with deposits serve as a closing VVOE for XXX borrowers. Borr is the XXX of the partnership, so they are still a partner in that the entity is an LLC. | 08/21/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 qualifying score. Min required per guidelines is 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $173,962.26 or 40.44 months PITI, guidelines required 0 months PITI. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 28.68%, max per guidelines is 50%. |
| 900548 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | No evidence in file to prove borrowers received LE XXX or LE XXX | 8.6.24 Client provided LE XXX or LE XXX. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 54.33% is below guideline requirements of 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 809 exceeds guidelines 750. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years. |
| 900548 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | 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 fees, Trust Fee $395 and % of Loan Amount[Points] $6495, increased by $6890 without valid reason. | 8.6.24 Client provided LE XXX or LE XXX. Exception satisfied. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 54.33% is below guideline requirements of 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 809 exceeds guidelines 750. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years. |
| 900548 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certification Document. | 08/06/2024 lender provided Flood Certificate | 08/06/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 54.33% is below guideline requirements of 65%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 809 exceeds guidelines 750. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has resided in current owner occupied residence for 8 years. |
| 900549 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX and XXX business bank stmts for XXX acct ending #XXX. | 08/21/2024 lender response: Borrower did not use the business account at that time, they only used their personal account at that time from #XXX. Uploading these statements. | 08/21/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x94. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.37% is below max DTI of 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 80% is below max LTV of 85%. |
| 900550 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: The borrower has lived at the same residence for 9 years CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 38.34% is less than the maximum of 50% CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; max allowed per guidelines is 85%. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 694 qualifying score. Min required per guidelines is 675. | |||||||||||||||
| 900551 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 738; minimum required credit score per guidelines is 600. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been employed at current employer for over 20 years. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower #2 has been employed at current employer for over 7 years. | |||||||||||||||
| 900552 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.96% is below guideline requirement of 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $199,761 exceed guidelines $81,210. |
| 900552 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Provide HUD from sale of REO at XXX as stated in the final 1003. | 08/22/2024 lender response: HUD from sale of REO at XXX uploaded | 08/22/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 786 qualifying score. Min required per guidelines is 750. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 24.96% is below guideline requirement of 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $199,761 exceed guidelines $81,210. |
| 900553 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 63.18% is below max LTV of 75% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Total assets verified $1,050,165.68. CTC $336,709.24, leaves $713,456.44 bal to cover loan amt of $537K and reserves of $176,456.44 or 29.46 mos remaining. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Credit report with a mortgage rating of 0x30x33. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 720 exceeds min score requirement of 700. | |||||||||||||||
| 900554 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Missing credit report for borrower 2, therefore unable to determine if Tradelines meet requirements. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 45 months when 12 months are required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 8 years and 4 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $988,649.88 or 79.15 months PITI, guidelines required 0 months PITI |
| 900554 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR119 | Appraisal documentation does not support occupancy | No | Per letter in credit file, borrower purchased primary home in XXX, started extensive remodel in XXX and moved out. Moved back into home end of XXX. | 08/27/2024 lender response: Borrower has documented ATR and loan closed within TRID requirements so the more stringent qualification has been met, uploading pics showing it is occupied | 08/27/2024 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 799 qualifying score. Min required per guidelines is 750. CFCFS1739: Postive mortgage payment history - Clayton Comments: Mortgage payment history is for 45 months when 12 months are required. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 8 years and 4 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50%; max allowed per guidelines is 80%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $988,649.88 or 79.15 months PITI, guidelines required 0 months PITI |
| 900555 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been XXX with XXX for 8 years and 2 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 740 qualifying score. Min required per guidelines is 725. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 2.08%, max per guidelines is 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $93,855.35 or 10.93 months PITI, guidelines required 0 months PITI. | |||||||||||||||
| 900556 | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 56.04%; maximum LTV of 75% CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 qualifying score. Min required per guidelines is 750. | |||||||||||||||
| 900557 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.77% is below guideline requirement of 50%. CFCFS1736: Significant time at current residence - Clayton Comments: B1 has owned subject residence for 14 years. CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has been XXX at current job for 15 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 56.20% is below guideline requirements of 80%. | |||||||||||||||
| 900558 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: The borrowers have lived at the same residence for 9 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying score 745, min 700 | |||||||||||||||
| 900559 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B1 does not meet the minimum credit requirements of 3 open tradelines greater than 24 months. | 8/23/24- Client acknowledged exception | 8/23/24- Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 18.61% is below guideline requirement of 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $22,825 exceed guidelines $0. |
| 900559 | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | B1 does not meet the minimum credit requirements of one or less credit scores unless LTV < 65% and 24 month housing history 0x30. XXX housing history provided paid by B1 employer lender approval in file. | 8/23/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 18.61% is below guideline requirement of 50%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified cash reserves $22,825 exceed guidelines $0. |
| 900560 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 25.88% is below guideline requirement 50%. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70% is below guideline requirements of 90%. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have mortgage payment history 0x30 since XXX. | |||||||||||||||
| 900561 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not on Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history, no derogatory credit and no public record findings. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX current business for over 5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 29.51%; max allowed DTI per guidelines is 50%. |
| 900561 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Waived | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Guidelines requires 12 Months PITI reserves ($5080.18 x 12 = $60,961.16) for LTV > 85% LTV. Assets. Funds required to close - $61,686.08. Verified assets of $92,751.36. Verified reserves after closing of $31,065.28; or 6.12 months PITI reserves. Missing an additional verified assets of approx. $29,896.88 to met guideline requirements. There is an exception approval in file from XXX that indicates only 3 months reserves is required on this 90% LTV loan. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrower has an overall good credit history, no derogatory credit and no public record findings. CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has XXX current business for over 5 years. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 29.51%; max allowed DTI per guidelines is 50%. |
| 900562 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: Loan approved with DTI of 39.78%. Max 50% | |||||||||||||||
| 900793 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1734: Borrower has significant time at current job - Clayton Comments: The borrower has been with the employer for 16 years. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 72.80 is below 80% max CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score 792 Exceeds minimum 750. | |||||||||||||||
| 900563 | XXXXXX | NC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | LTV/CLTV | Waived | B | B | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Max LTV 80% for bor XXX for 1 yr. Lender exception approval provided to allow 90% LTV. | 8/23/24- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Qualifying credit score is 734; minimum required credit score per guidelines is 700. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has a 0x30x31 month mortgage history review. |
| Client Name: | ||||
| Client Project Name: | ACRA 2024-NQM1 | |||
| Start - End Dates: | 5/22/2024 - 8/27/2024 | |||
| Deal Loan Count: | 568 | |||
| Conditions Report 2.0 | ||||
| Loans in Report: | 568 | |||
| Loans with Conditions: | 213 | |||
| Loan Number | TRID Indicator | Lender Application Date | Broker Application Date | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Did Lender Acknowledge Exception at Origination |
| 900001 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900002 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900003 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900004 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 900005 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 900006 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900007 | Yes | XXXXXX | XXXXXX | C | B | A | A | C | B | N/A | N/A | C | B | A | A | C | B | N/A | N/A | No |
| 900008 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900009 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900010 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900011 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 900012 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900013 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 900014 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 900015 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900016 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900017 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900018 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 900019 | Yes | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Yes |
| 900020 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 900021 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900022 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900023 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Yes |
| 900024 | Yes | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Yes |
| 900025 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900026 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900027 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 900028 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 900029 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 900030 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 900031 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 900032 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900033 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900034 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900035 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900036 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 900037 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900038 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900039 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900040 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 900041 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 900042 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900043 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900044 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 900045 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 900046 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900047 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900048 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900049 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 900050 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900051 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900052 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900788 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900053 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900054 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900055 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900056 | Yes | XXXXXX | XXXXXX | D | B | D | B | D | A | N/A | N/A | D | B | D | B | D | A | N/A | N/A | Not Applicable |
| 900057 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900058 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900059 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 900060 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900061 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900062 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 900063 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900064 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900065 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900066 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900067 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Yes |
| 900068 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900069 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900070 | Yes | XXXXXX | XXXXXX | D | B | A | A | D | B | N/A | N/A | D | B | A | A | D | B | N/A | N/A | No |
| 900071 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900072 | Yes | XXXXXX | XXXXXX | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | No |
| 900073 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900074 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900075 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 900076 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 900077 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 900078 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900079 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900080 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 900081 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900082 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900083 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 900084 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900085 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900086 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900087 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900088 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900089 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900090 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900091 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 900092 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900093 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900094 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900095 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900096 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900097 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900098 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900099 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900100 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 900101 | Yes | XXXXXX | XXXXXX | D | B | D | A | B | B | A | A | D | B | D | A | B | B | A | A | Not Applicable |
| 900102 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900103 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900104 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 900105 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900106 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900107 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900108 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 900109 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900110 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 900111 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900112 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900113 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900114 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900789 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900115 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900116 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900117 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900118 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900119 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900120 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900121 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900122 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900123 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | B | A | A | C | B | A | A | No |
| 900124 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900125 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900126 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900127 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900128 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900129 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900130 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900131 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900132 | Yes | XXXXXX | XXXXXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | No |
| 900133 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900134 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900135 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900136 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900137 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900138 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900139 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900140 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900141 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900142 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900143 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900144 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900145 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900146 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900147 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900148 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900149 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900150 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900151 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 900152 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 900153 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900154 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900155 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900156 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900157 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 900158 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900159 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900160 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | No |
| 900161 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900162 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 900163 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900164 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900165 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900166 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900167 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900168 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900169 | Yes | XXXXXX | XXXXXX | B | A | B | A | A | A | N/A | N/A | B | A | B | A | A | A | N/A | N/A | Yes |
| 900170 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900171 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 900172 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900173 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Yes |
| 900174 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900175 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900176 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900177 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900178 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900179 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 900180 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 900181 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900182 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900183 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900184 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 900185 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900186 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900187 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900188 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900189 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900190 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900191 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 900192 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable |
| 900193 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900194 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Yes |
| 900195 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900196 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900197 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | No |
| 900198 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900199 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900200 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 900201 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900202 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900203 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 900204 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 900205 | Yes | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Yes |
| 900206 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | No |
| 900207 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 900208 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900209 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900790 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900210 | Yes | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | No |
| 900211 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900212 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900213 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900214 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900215 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900216 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900217 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900218 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900219 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900220 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900221 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900222 | Yes | XXXXXX | XXXXXX | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Not Applicable |
| 900223 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900224 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900225 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900226 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900227 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900228 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900229 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900230 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900231 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 900232 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900233 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900234 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900235 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 900236 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900237 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes |
| 900238 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900239 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable |
| 900240 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900241 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900242 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900243 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900244 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900245 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900246 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900247 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900248 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900249 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900250 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 900251 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900252 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 900253 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900254 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 900255 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900256 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900257 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900258 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900259 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900260 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900261 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 900262 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900263 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900264 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900265 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900266 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900267 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900268 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900269 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 900270 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900271 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | B | B | B | B | B | B | A | A | B | B | Not Applicable |
| 900272 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900273 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900274 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900275 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900276 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900277 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900278 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900279 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900280 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900281 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900282 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900283 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900284 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900285 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900286 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 900287 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900288 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900289 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900290 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| 900291 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900292 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900293 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900294 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900295 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | No |
| 900296 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900297 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900298 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900299 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 900300 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900301 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900302 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900303 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900304 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900305 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900306 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900307 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | N/A | N/A | C | B | C | B | A | A | N/A | N/A | Yes |
| 900308 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900309 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900310 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900311 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900312 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900313 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900314 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900315 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900316 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| 900317 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900318 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900319 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900320 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Not Applicable |
| 900321 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900322 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900323 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900324 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900325 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900326 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900327 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900328 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900329 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable |
| 900330 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900331 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900332 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Yes |
| 900333 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900334 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900335 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900336 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | No |
| 900337 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900338 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900339 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900340 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 900341 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable |
| 900342 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900343 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900344 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900345 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900346 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900347 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900348 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900349 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900350 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900351 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900352 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900353 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900354 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900355 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900356 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900357 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900358 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900359 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 900360 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900361 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900362 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900363 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900364 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900365 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900366 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900367 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900368 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900369 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900370 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900371 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 900372 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900373 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900374 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | No |
| 900375 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900376 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900377 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900378 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900379 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | No |
| 900380 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900381 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900382 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900383 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900384 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900385 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900386 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900387 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900388 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900389 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900390 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900391 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900392 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900393 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900394 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900395 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900396 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900397 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900398 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900399 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900400 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900401 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900402 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900403 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900404 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900405 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 900406 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900407 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900791 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900408 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900409 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900410 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 900411 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900412 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 900413 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 900414 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900415 | Yes | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | No |
| 900416 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900417 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900418 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900419 | Yes | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | Not Applicable |
| 900420 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 900421 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900422 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900423 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900424 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900425 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900426 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900427 | Yes | XXXXXX | XXXXXX | D | A | D | A | C | A | A | A | D | A | D | A | C | A | A | A | No |
| 900428 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 900429 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | No |
| 900430 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900431 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900432 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 900433 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900434 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 900435 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Yes |
| 900436 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900437 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900438 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Yes |
| 900439 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 900440 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900441 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900442 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900443 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900444 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900445 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900446 | Yes | XXXXXX | XXXXXX | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Yes |
| 900447 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900448 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900449 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900450 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900451 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900452 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| 900453 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900454 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 900455 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 900456 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | No |
| 900457 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900458 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 900459 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900460 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Yes |
| 900461 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 900462 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | No |
| 900463 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900464 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900465 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | No |
| 900466 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900467 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900468 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900469 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900470 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900471 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900472 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900473 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 900474 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900475 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900476 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900477 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900478 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900479 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900480 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900481 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900482 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 900483 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 900484 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 900485 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900486 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 900487 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900488 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900489 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 900490 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900491 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900492 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900493 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900494 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900495 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 900496 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900497 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900498 | Yes | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Yes |
| 900499 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 900500 | Yes | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 900501 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900502 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900503 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900504 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900505 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900506 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable |
| 900507 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900508 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Yes |
| 900509 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900510 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900511 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900512 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900513 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900514 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 900515 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900516 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900517 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Yes |
| 900518 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900519 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900520 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 900521 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900522 | Yes | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No |
| 900523 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900524 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900525 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900526 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900527 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900528 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 900529 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| 900530 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900531 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900532 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900533 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900534 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900535 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900536 | Yes | XXXXXX | XXXXXX | C | B | B | B | A | A | C | A | C | B | B | B | A | A | C | A | Not Applicable |
| 900537 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900538 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900539 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900540 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900541 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900542 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 900543 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900544 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900545 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | C | A | C | B | C | B | A | A | C | A | No |
| 900546 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900547 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 900548 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No |
| 900549 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 900550 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900551 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900552 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 900553 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900554 | Yes | XXXXXX | XXXXXX | C | B | B | B | C | A | A | A | C | B | B | B | C | A | A | A | Not Applicable |
| 900555 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900556 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900557 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900558 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900559 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Yes |
| 900560 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900561 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 900562 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 900793 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 900563 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |