Management’s Assertion

 

Management of First Republic Bank (the Bank) is responsible for assessing compliance with the applicable servicing criteria set forth in Item 1122(d) of Regulation AB of the Securities and Exchange Commission relating to the servicing of residential mortgage loans serviced for others (the Platform), except for the servicing criteria 1122(d)(1)(iii), 1122(d)(3)(i)(C) and 1122(d)(4)(xv), which the Bank has determined are not applicable to the activities it performs with respect to the Platform, as of and for the year ended December 31, 2022. Appendix A identifies the individual asset-backed transactions and securities defined by management as constituting the Platform.

With respect to servicing criteria 1122(d)(4)(iv), 1122(d)(4)(xi) and 1122(d)(4)(xii), management has engaged various vendors to perform the activities required by these servicing criteria. The Bank’s management has determined that none of these vendors is considered a “servicer” as defined in Item 1101(j) of Regulation AB, and the Bank’s management has elected to take responsibility for assessing compliance with the servicing criteria applicable to each vendor as permitted by the SEC’s Compliance and Disclosure Interpretation (“C&DI”) 200.06, Vendors Engaged by Servicers (C&DI 200.06). Management has policies and procedures in place designed to provide reasonable assurance that the vendors’ activities comply in all material respects with the servicing criteria applicable to each vendor. The Bank’s management is solely responsible for determining that it meets the SEC requirements to apply C&DI 200.06 for the vendors and related criteria.

The Bank’s management has assessed the Bank’s compliance with the applicable servicing criteria as of and for the year ended December 31, 2022. In making this assessment, management used the criteria set

forth by the Securities and Exchange Commission in paragraph (d) of Item 1122 of Regulation AB.

Based on such assessment, management believes that, as of and for the year ended December 31, 2022, the Bank has complied in all material respects with the servicing criteria set forth in Item 1122(d) of Regulation AB of the Securities and Exchange Commission relating to the servicing of the Platform.

KPMG LLP, an independent registered public accounting firm, has issued an attestation report with respect to the Bank’s compliance with the applicable servicing criteria as of and for the year ended December 31, 2022.

 

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|                                                   |        |           |
|---------------------------------------------------|--------|-----------|
| /s/ Neil Holland                                  |   | 2/27/2023 |
| Neil Holland                                      |   | Date      |
| Executive Vice President, Chief Financial Officer |   |      |

 

 

 

|                                                                     |        |           |
|---------------------------------------------------------------------|--------|-----------|
| /s/ John Glander                                                    |   | 2/27/2023 |
| John Glander                                                        |   | Date      |
| Senior Vice President, Head of LSPS Lending Strategy (LSPS)         |   |      |
|                                                                |   |      |
|                                                                |   |      |
| /s/ KC Conway                                                       |   | 2/27/2023 |
| KC Conway                                                           |   | Date      |
| Senior Vice President, Interim Head of Residential Lending Services |   |      |
|                                                                |   |      |

 

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|                                    |                                             |            |                 |
|------------------------------------|---------------------------------------------|------------|-----------------|
| Appendix A to Management Assertion |
| Investor #                         | Investor Name                               | Loan Count | Balance         |
| 50                                 | FRLC SFR                                    | 11         | $8,217,083.03   |
| 120                                | Redwood Trust (Bear Stearns)                | 10         | $3,870,381.99   |
| 122                                | Sequioa 2007-2                              | 17         | $13,381,054.61  |
| 123                                | SEMT 2007-3                                 | 4          | $2,685,527.25   |
| 127                                | CIT Bank                                    | 116        | $66,043,861.93  |
| 128                                | Sequoia Mortgage Trust 2014-1               | 11         | $8,919,359.51   |
| 129                                | STIFEL BANK & TRUST                     | 213        | $175,922,873.36 |
| 131                                | Morgan Stanley Mortgage                     | 2          | $1,167,824.56   |
| 132                                | JP Morgan Mortgage Trust 2014-2             | 114        | $22,647,864.72  |
| 134                                | CSMC 2014-IVR3                              | 23         | $10,189,785.71  |
| 136                                | MSRM Loan Trust 2014-1                      | 37         | $23,383,290.24  |
| 138                                | J.P. Morgan Trust 2014-IVR3                 | 10         | $9,924,357.14   |
| 141                                | Delta Community Credit Union                | 5          | $3,470,853.25   |
| 143                                | CSMC Trust 2014-IVR1                        | 1          | $147,173.68     |
| 145                                | JP Morgan Mortgage TR 2014-1                | 10         | $7,104,653.67   |
| 146                                | Synovus Financial Corp.                     | 28         | $14,553,214.60  |
| 147                                | Citizens Bank, N.A.                         | 3          | $1,811,956.76   |
| 149                                | Hudson Valley Bank                          | 1          | $2,678,159.28   |
| 152                                | Sequoia Mortgage Trust 2013-11              | 6          | $3,824,825.42   |
| 153                                | Sequoia Mortgage Trust 2013-10              | 1          | $597,160.04     |
| 154                                | CSMC Trust 2013-6                           | 3          | $2,903,423.95   |
| 155                                | JP Morgan Mortgage Trust 2013-3             | 34         | $27,736,238.57  |
| 156                                | NRP MortgageTrust2013-1                     | 136        | $97,999,895.25  |
| 157                                | CSMC Trust 2013-HYB1                        | 17         | $11,392,996.73  |
| 158                                | CSMC Trust 2013-IVR4                        | 13         | $8,190,529.70   |
| 162                                | Citigroup Mortgage Loan Trust Series 2005-6 | 4          | $706,699.49     |
| 163                                | SAMI II 2005-AR5                            | 29         | $17,362,866.21  |
| 164                                | MLCC 2005-3                                 | 12         | $5,891,986.98   |
| 165                                | MLMI 2005-A10                               | 8          | $9,022,543.56   |
| 175                                | Harbor View 2003-2(formerly Greenwich)      | 2          | $259,521.49     |
| 176                                | Harbor View 2004-1(formerly Greenwich)      | 5          | $1,236,753.97   |
| 182                                | Sequoia Mortgage Trust 2013-2               | 52         | $31,390,280.58  |
| 183                                | Sequoia Mortgage Trust 2013-3               | 16         | $10,912,520.94  |
| 184                                | Sequoia Mortgage Trust 2013-4               | 20         | $14,450,495.44  |
| 185                                | MASTI 2003-4 (formerly UBS Warburg)         | 1          | $22,129.30      |
| 187                                | Sequoia Mortgage Trust 2013-7               | 2          | $926,482.69     |
| 188                                | Sequoia Mortgage Trust 2013-8               | 2          | $681,337.22     |
| 189                                | CSMC Trust 2013-IVR3                        | 12         | $11,063,290.14  |
| 194                                | TIAA-CREF Trust Company, FSB                | 194        | $84,331,623.90  |
| 195                                | MLMI 2005-A1                                | 3          | $678,169.08     |
| 196                                | Merrill Lynch Bank                          | 6          | $1,624,314.16   |
| 197                                | MLCC 2006-2                                 | 12         | $2,966,609.66   |
| 200                                | Sequoia Mortgage Trust 2012-6               | 4          | $2,732,491.67   |
| 201                                | JP Morgan Mortgage Acq. Corp.               | 100        | $42,736,096.10  |
| 207                                | CSMC Trust 2013-IVR1                        | 20         | $11,523,620.42  |

 

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|                                    |                                          |            |                |
|------------------------------------|------------------------------------------|------------|----------------|
| Appendix A to Management Assertion |
| Investor #                         | Investor Name                            | Loan Count | Balance        |
| 209                                | CSMC Trust 2013-IVR2                     | 37         | $22,194,133.10 |
| 215                                | Bank United N.A.                         | 2          | $561,219.11    |
| 216                                | North Valley Bank                        | 1          | $379,212.18    |
| 248                                | Washington Mutual Bank, Flow Sales (PNC) | 1          | $158,532.32    |
| 250                                | CitiMortgage                             | 2          | $178,964.51    |
| 260                                | CitiMortgage                             | 7          | $1,028,788.75  |
| 312                                | Residential Funding                      | 1          | $265,289.03    |
| 357                                | Everbank                                 | 4          | $3,725,320.62  |
| 358                                | DLJ Mortgage Capital, Inc.               | 1          | $1,600,000.00  |
| 360                                | Northfield Bank                          | 47         | $32,062,107.61 |
| 362                                | JP Morgan Mortgage Trust 2014-5          | 76         | $22,687,963.13 |
| 363                                | Sequoia Mortgage Trust 2014-4            | 20         | $12,547,947.00 |
| 364                                | JP Morgan Mortgage TR2014-IVR6           | 33         | $27,049,997.27 |
| 365                                | CSMC TRUST 2105-WIN1                     | 1          | $1,105,311.55  |
| 366                                | JP Morgan Mortgage Trust 2015-1          | 102        | $74,150,544.54 |
| 367                                | Sequoia Mortgage Trust 2015-1            | 19         | $12,883,595.23 |
| 368                                | Nexbank SSB                              | 14         | $10,390,979.30 |
| 369                                | CSMC Trust 2015-1                        | 1          | $312,407.91    |
| 370                                | JP Morgan Mortgage TR2015-IVR2           | 46         | $25,467,837.14 |
| 371                                | CSMC TRUST 2015-2                        | 2          | $1,166,887.46  |
| 372                                | CSMC TRUST 2015-3                        | 1          | $483,127.61    |
| 373                                | Dime Bank                                | 24         | $17,174,550.19 |
| 375                                | Sequoia Mortgage Trust 2015-2            | 6          | $3,221,363.87  |
| 377                                | CSMLT 2015-1                             | 3          | $2,110,597.92  |
| 378                                | JP MORGAN MORTGAGE TR 2015-3             | 26         | $14,485,698.49 |
| 380                                | SEQUOIA MORTGAGE TR 2015-3               | 11         | $7,653,235.11  |
| 383                                | Landmark Community Bank                  | 5          | $3,373,431.88  |
| 385                                | J.P. MORGAN MORTGAGE TR 2015-4           | 74         | $45,818,959.49 |
| 386                                | J.P. MORGAN MORTGAGE TR 2015-5           | 53         | $44,712,573.52 |
| 387                                | Colorado Federal Savings Bank            | 33         | $28,209,502.29 |
| 390                                | J.P. MORGAN MORTGAGE TR 2015-6           | 25         | $19,678,718.56 |
| 391                                | CSMLT 2015-3 TRUST                       | 9          | $4,023,024.99  |
| 392                                | Sequoia Mortgage Trust 2015-4            | 22         | $8,687,083.60  |
| 393                                | Broadway Federal Bank                    | 20         | $10,039,751.96 |
| 396                                | Ameris Bank                              | 13         | $11,613,246.86 |
| 397                                | Bank of the Cascades                     | 4          | $1,430,184.48  |
| 398                                | Sequoia Mortgage Trust 2016-1            | 5          | $3,149,106.17  |
| 399                                | ZB, N.A.                                 | 62         | $51,816,918.79 |
| 400                                | The Washington Trust Company             | 10         | $4,432,666.12  |
| 401                                | J.P. Morgan Mortgage TR 2016-1           | 3          | $2,181,769.36  |
| 402                                | Sequoia Mortgage Trust 2016-2            | 4          | $3,038,576.55  |
| 403                                | J.P. Morgan Mortgage TR 2016-2           | 66         | $39,314,876.01 |
| 404                                | TEACHERS INSURANCE AND ANNUITY           | 34         | $26,895,226.40 |
| 405                                | J.P.MORGAN MORTGAGE TRUST                | 56         | $31,219,257.86 |
| 407                                | Sequoia Mortgage Trust 2016-3            | 12         | $7,805,296.02  |

 

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|                                    |                                        |            |                 |
|------------------------------------|----------------------------------------|------------|-----------------|
| Appendix A to Management Assertion |
| Investor #                         | Investor Name                          | Loan Count | Balance         |
| 411                                | J.P. Morgan Mortgage TR 2016-5         | 72         | $46,828,879.94  |
| 412                                | Sequoia Mortgage Trust 2017-1          | 6          | $4,002,816.09   |
| 414                                | Federal Home Mortgage Loan Association | 1          | $6,749.60       |
| 421                                | THORNBURG MORTGAGE THB2003-2           | 1          | $40,980.37      |
| 423                                | THORNBURG MORTGAGE THB2003-4           | 1          | $919,927.47     |
| 424                                | THORNBURG MORTGAGE THB2003-5           | 2          | $909,596.48     |
| 425                                | THORNBURG MORTGAGE THB2003-6           | 1          | $242,315.60     |
| 426                                | THORNBURG MORTGAGE THB2004-1           | 3          | $898,408.53     |
| 427                                | THORNBURG MORTGAGE THB2004-2           | 6          | $3,077,814.40   |
| 428                                | THORNBURG MORTGAGE THB2004-3           | 1          | $215,361.19     |
| 429                                | THORNBURG MORTGAGE THB2004-4           | 8          | $3,705,640.08   |
| 430                                | THORNBURG MORTGAGE THB2005-1           | 15         | $3,946,246.73   |
| 431                                | THORNBURG MORTGAGE THB2005-2           | 10         | $3,156,027.13   |
| 432                                | THORNBURG MORTGAGE THB2005-3           | 7          | $4,663,787.74   |
| 433                                | THORNBURG MORTGAGE THB2005-4           | 2          | $527,748.81     |
| 434                                | THORNBURG MORTGAGE THB2006-1           | 1          | $1,994,079.76   |
| 436                                | THORNBURG MORTGAGE THB2006-3           | 4          | $1,073,229.51   |
| 437                                | THORNBURG MORTGAGE THB2006-4           | 2          | $402,105.90     |
| 438                                | THORNBURG MORTGAGE THB2006-5           | 1          | $464,042.17     |
| 439                                | THORNBURG MORTGAGE THB2006-6           | 9          | $2,254,965.81   |
| 440                                | THORNBURG MORTGAGE THB2007-1           | 1          | $411,031.66     |
| 441                                | THORNBURG MORTGAGE THB2007-2           | 14         | $5,549,858.99   |
| 442                                | THORNBURG MORTGAGE THB2007-3           | 3          | $693,546.56     |
| 443                                | THORNBURG MORTGAGE THB2007-4           | 1          | $122,382.29     |
| 450                                | Sequoia Mortgage Trust 2017-2          | 6          | $4,852,816.73   |
| 451                                | Sequoia Mortgage Trust 2017-3          | 1          | $486,783.28     |
| 453                                | Amalgamated Bank                       | 83         | $52,952,223.22  |
| 454                                | SEMT 2017-4                            | 6          | $4,986,968.13   |
| 455                                | Cathay Bank                            | 7          | $5,091,463.88   |
| 456                                | SEMT 2017-5                            | 28         | $21,716,850.94  |
| 457                                | SEMT 2017-6                            | 13         | $8,659,931.51   |
| 458                                | J.P. MORGAN MORTGAGE TR 2017-3         | 1          | $733,991.63     |
| 459                                | SEMT 2017-CH1                          | 2          | $1,180,119.65   |
| 460                                | SEMT 2017-7                            | 13         | $10,069,035.01  |
| 461                                | SEMT 2017-CH2                          | 3          | $1,943,795.61   |
| 462                                | BMO Harris Bank NA                     | 42         | $7,632,131.85   |
| 463                                | J.P. Morgan Mortgage Tr 2017-5         | 127        | $105,179,112.07 |
| 464                                | J.P. Morgan Mortgage Tr 2017-6         | 2          | $1,876,177.28   |
| 465                                | Sequoia Mortgage Trust 2018-1          | 12         | $7,235,859.85   |
| 466                                | Sequoia Mortgage Trust 2018-2          | 4          | $2,950,583.96   |
| 467                                | Sequoia Mortgage Trust 2018-3          | 4          | $2,408,964.82   |
| 468                                | SEMT 2018-CH1                          | 3          | $2,687,591.96   |
| 469                                | J.P. Morgan Mortgage Tr 2018-3         | 4          | $2,916,672.12   |
| 470                                | Sequoia Mortgage Trust 2018-4          | 1          | $471,104.67     |
| 472                                | J.P. Morgan Mortgage Tr 2018-4         | 1          | $432,989.54     |

 

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|                                    |                                        |            |                 |
|------------------------------------|----------------------------------------|------------|-----------------|
| Appendix A to Management Assertion |
| Investor #                         | Investor Name                          | Loan Count | Balance         |
| 473                                | SEMT 2018-CH2                          | 1          | $805,620.49     |
| 474                                | SEMT 2018-6                            | 3          | $2,270,463.70   |
| 475                                | JPMMT 2018-7FRB                        | 149        | $117,930,226.16 |
| 476                                | SEMT 2018-CH3                          | 2          | $920,698.10     |
| 477                                | SEMT 2018-7                            | 6          | $4,907,044.78   |
| 478                                | JPMMT 2018-9                           | 2          | $1,567,303.54   |
| 479                                | SEMT 2018-7                            | 2          | $1,052,171.56   |
| 480                                | BankUnited N.A.                        | 233        | $199,116,238.37 |
| 483                                | Wilmington Trust SEMT 2019-CH1         | 4          | $1,997,406.28   |
| 484                                | JPMMT 2019-INV1                        | 9          | $6,074,139.84   |
| 485                                | WILMINGTON TRUST SEMT 2019-2           | 2          | $1,627,081.00   |
| 486                                | WILMINGTON TRUST SEMT 2019-CH2         | 1          | $338,019.93     |
| 487                                | JPMMT 2019-HYB1                        | 72         | $54,433,437.92  |
| 488                                | WILMINGTON TRUST SEMT 2019-3           | 15         | $11,475,719.00  |
| 490                                | Wilmington Trust SEMT 2019-4           | 1          | $678,516.34     |
| 491                                | Wilmington Trust SEMT 2019-5           | 5          | $3,946,634.15   |
| 492                                | Wilmington Trust SEMT 2020-1           | 1          | $666,457.15     |
| 493                                | Wilmington Trust SEMT 2020-2           | 5          | $3,800,865.04   |
| 494                                | Wilmington Trust SEMT 2020-3           | 181        | $143,254,089.59 |
| 495                                | First Republic MTG TR 2020-1           | 184        | $163,905,895.10 |
| 496                                | Wilmington Trust SEMT 2020-MC1         | 7          | $5,618,000.79   |
| 497                                | JPMMT 2020-7                           | 64         | $49,217,813.37  |
| 498                                | JPMMT 2020-8                           | 1          | $1,122,363.34   |
| 499                                | Wilmington Trust SEMT 2020-4           | 17         | $11,995,013.58  |
| 500                                | JPMMT 2021-3                           | 1          | $1,030,342.50   |
| 501                                | JPMMT 2021-INV1                        | 30         | $19,820,087.05  |
| 510                                | CitiMortgage                           | 2          | $75,168.74      |
| 515                                | Fannie Mae-Laser                       | 3244       | $853,272,601.73 |
| 770                                | Bear Stearns                           | 6          | $963,611.27     |
| 775                                | AAR BART 2003-5 (Bear Stearns)         | 8          | $929,560.18     |
| 124                                | CSMC Trust 2014-SAF1                   | 0          | $0.00           |
| 135                                | Citizens Bank, N.A And Various         | 0          | $0.00           |
| 137                                | Sequoia Mortgage Trust 2014-3          | 0          | $0.00           |
| 151                                | CMSC Trust 2013-7                      | 0          | $0.00           |
| 166                                | Redwood Residential Acquisition Corp   | 0          | $0.00           |
| 177                                | Harbor View 2004-5(formerly Greenwich) | 0          | $0.00           |
| 181                                | Sequoia Mortgage Trust 2012-5          | 0          | $0.00           |
| 217                                | Signature Bank                         | 0          | $0.00           |
| 330                                | U.S. Bank                              | 0          | $0.00           |
| 382                                | CSMLT 2015-2 TRUST                     | 0          | $0.00           |
| 384                                | GOLDEN PACIFIC BANK, NA                | 0          | $0.00           |
| 415                                | FNMA MBS                               | 0          | $0.00           |
| 435                                | THORNBURG MORTGAGE THB2006-2           | 0          | $0.00           |
| 471                                | Sequoia Mortgage Trust 2018-5          | 0          | $0.00           |
| 481                                | SEMT 2018-CH4                          | 0          | $0.00           |
|                               |                                   |       |            |

 

----

 

|                                    |               |            |                   |
|------------------------------------|---------------|------------|-------------------|
| Appendix A to Management Assertion |
| Investor #                         | Investor Name | Loan Count | Balance           |
|                               | Total         | 7,121      | $3,419,155,260.92 |

 

 

----