UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549





FORM 10-K







|x | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
|- | ------------------------------------------------------------------------------------

For the fiscal year ended December 31, 2013

or



| ̈ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
|- | ----------------------------------------------------------------------------------------

For the transition period from
 to

333-185882-04

(Commission File Number of issuing entity)





Sequoia
Mortgage Trust 2013-8

(Exact name of issuing entity as specified in its charter)

333-185882-01

(Commission File Number of depositor)

Sequoia Residential Funding, Inc.

(Exact name of depositor as specified in its charter)

RWT Holdings, Inc.

(Exact name of sponsor as specified in its charter)





New York

(State or other jurisdiction of incorporation or organization of the issuing entity)

46-3062396

46-3072712

(I.R.S. Employer Identification No.)



|                                                               |  |           
|-------------------------------------------------------------- |  | ----------
|c/o Citibank, N.A.                                             |  |           
|388 Greenwich Street, 14th Floor                               |  |           
|New York, New York                                             |  | 10013     
|(Address of principal executive offices of the issuing entity) |  | (Zip Code)

(212) 816-5693

(Telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:

None

Securities
registered pursuant to section 12(g) of the Act:

None





Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.     ̈  Yes    x  No

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.     ̈  Yes    x  No

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act
of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    x  Yes     ̈  No

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required
to be submitted and posted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Not Applicable

Indicate by check mark if
disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§ 229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrants knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.

Not Applicable

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See
the definitions of large accelerated filer, accelerated filer and smaller reporting company in Rule 12b-2 of the Exchange Act.



|                        |  |                                                  |  |                           |  |  
|----------------------- |  | ------------------------------------------------ |  | ------------------------- |  | -
|Large accelerated filer |  |  ̈                                                |  | Accelerated filer         |  |  ̈
|                        |  |                                                  | 
|Non-accelerated filer   |  | x  (Do not check if a smaller reporting company) |  | Smaller reporting company |  |  ̈

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the
Act).     ̈  Yes    x  No

State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common
equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrants most recently completed second fiscal quarter.

Not Applicable

Indicate by check mark whether
the registrant has filed all documents and reports required to be filed by Section 12, 13 or 15(d) of the Securities Exchange Act of 1934 subsequent to the distribution of securities under a plan confirmed by a court.

Not Applicable

Indicate the number of shares
outstanding of each of the registrants classes of common stock, as of the latest practicable date.

Not Applicable

DOCUMENTS INCORPORATED BY REFERENCE

List
hereunder the following documents if incorporated by reference and the Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the document is incorporated: (1) Any annual report to security holders; (2) Any proxy or information
statement; and (3) Any prospectus filed pursuant to Rule 424(b) or (c) under the Securities Act of 1933. The listed documents should be clearly described for identification purposes (e.g., annual report to security holders for fiscal year
ended December 24, 1980).

Not applicable









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PART I

Item 1. Business.

Omitted.

Item 1A. Risk Factors.

Omitted.

Item 1B. Unresolved Staff Comments.

None.

Item 2. Properties.

Omitted.

Item 3. Legal Proceedings.

Omitted.

Item 4. Mine Safety Disclosures.

Omitted.

PART II

Item 5. Market for
Registrants Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities.

Omitted.

Item 6. Selected Financial Data.

Omitted.

Item 7. Managements Discussion and Analysis of Financial Condition and Results of Operations.

Omitted.

Item 7A. Quantitative and Qualitative
Disclosures About Market Risk.

Omitted.

Item 8. Financial Statements and Supplementary Data.

Omitted.

Item 9. Changes in and Disagreements With
Accountants on Accounting and Financial Disclosure.

Omitted.

Item 9A. Controls and Procedures.

Omitted.

Item 9B. Other Information.

None.



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PART III

Item 10. Directors, Executive Officers and Corporate Governance.

Omitted.

Item 11. Executive Compensation.

Omitted.

Item 12. Security Ownership of Certain
Beneficial Owners and Management and Related Stockholder Matters.

Omitted.

Item 13. Certain Relationships and Related Transactions, and Director Independence.

Omitted.

Item 14. Principal Accounting Fees and
Services.

Omitted.

ADDITIONAL
DISLCOSURE ITEMS REQUIRED BY GENERAL INSTRUCTION J(2)

Item 1112(b) of Regulation AB, Significant Obligor Financial Information.

No single obligor represents 10% or more of the pool assets held by the issuing entity.

Item 1114(b)(2) of Regulation AB, Significant Enhancement Provider Financial Information.

No entity or group of affiliated entities provides any external credit enhancement or other support for the certificates within this transaction as described
under Item 1114(a) of Regulation AB.

Item 1115(b) of Regulation AB, Certain Derivatives Instruments (Financial Information).

No entity or group of affiliated entities provides any derivative instruments or other support for the certificates within this transaction as described under
Item 1115 of Regulation AB.

Item 1117 of Regulation AB, Legal Proceedings.

On or about December 23, 2009, the Federal Home Loan Bank of Seattle (the FHLB-Seattle) filed a complaint in the Superior Court for the State
of Washington (case number 09-2-46348-4 SEA) against Redwood Trust, Inc., our subsidiary, Sequoia Residential Funding, Inc. (SRF), Morgan Stanley & Co., and Morgan Stanley Capital I, Inc. (collectively, the FHLB-Seattle
Defendants) alleging that the FHLB-Seattle Defendants made false or misleading statements in offering materials for a mortgage pass-through certificate (the Seattle Certificate) issued in the Sequoia Mortgage Trust 2005-4
securitization transaction (the 2005-4 RMBS) and purchased by the FHLB-Seattle. Specifically, the complaint alleges that the alleged misstatements concern the (1) loan-to-value ratio of mortgage loans and the appraisals of the
properties that secured loans supporting the 2005-4 RMBS, (2) occupancy status of the properties, (3) standards used to underwrite the loans, and (4) ratings assigned to the Seattle Certificate. The FHLB-Seattle alleges claims under
the Securities Act of Washington (Section 21.20.005, et seq.) and seeks to rescind the purchase of the Seattle Certificate and to collect interest on the original purchase price at the statutory interest rate of 8% per annum from the date of
original purchase (net of interest received) as well as attorneys fees and costs. The Seattle Certificate was issued with an original principal amount of approximately $133 million, and, as of December 31, 2013, the FHLB-Seattle has
received approximately $114.4 million of principal and $11.0 million of interest payments in respect of the Seattle Certificate. As of December 31, 2013, the Seattle Certificate had a remaining outstanding principal amount of approximately
$19.0 million. The claims were subsequently dismissed for lack of personal jurisdiction as to Redwood Trust and SRF. Redwood agreed to indemnify the underwriters of the 2005-4 RMBS for certain losses and expenses they might incur as a result of
claims made against them relating to this RMBS, including, without limitation, certain legal expenses. The FHLB-Seattles claims against the underwriters of this RMBS were not dismissed and remain pending. Regardless of the outcome of this
litigation, Redwood could incur a loss as a result of these indemnities.

On or about July 15, 2010, The Charles Schwab Corporation
(Schwab) filed a complaint in the Superior Court for the State of California in San Francisco (case number CGC-10-501610) against SRF and 26 other defendants (collectively, the Schwab Defendants) alleging that the Schwab
Defendants made false or misleading statements in offering materials for various residential mortgage-backed securities sold or issued by the Schwab Defendants. With respect to SRF, Schwab alleges that SRF made false or misleading statements in
offering materials for a mortgage pass-through certificate (the Schwab Certificate) issued in the 2005-4 RMBS and purchased by Schwab. Specifically, the complaint alleges that the misstatements for the 2005-4 RMBS concern the
(1) loan-to-value ratio of mortgage loans and the appraisals of the properties that secured loans supporting the 2005-4 RMBS, (2)



---

occupancy status of the properties, (3) standards used to underwrite the loans, and (4) ratings assigned to the Schwab Certificate. Schwab alleges a claim for negligent
misrepresentation under California state law and seeks unspecified damages and attorneys fees and costs. The Schwab Certificate was issued with an original principal amount of approximately $14.8 million, and, as of December 31, 2013,
Schwab has received approximately $12.7 million of principal and $1.3 million of interest payments in respect of the Schwab Certificate. As of December 31, 2013, the Schwab Certificate had a remaining outstanding principal amount of
approximately $2.1 million. SRF has denied Schwabs allegations. We intend to defend the action vigorously. Redwood agreed to indemnify the underwriters of the 2005-4 RMBS, which underwriters are also named defendants in this action, for
certain losses and expenses they might incur as a result of claims made against them relating to this RMBS, including, without limitation, certain legal expenses. Regardless of the outcome of this litigation, Redwood could incur a loss as a result
of these indemnities.

On or about October 15, 2010, the Federal Home Loan Bank of Chicago (FHLB-Chicago) filed a complaint in the
Circuit Court of Cook County, Illinois (case number 10-CH-45033) against SRF and more than 45 other named defendants (collectively, the FHLB-Chicago Defendants) alleging that the FHLB-Chicago Defendants made false or misleading
statements in offering materials for various RMBS sold or issued by the FHLB-Chicago Defendants or entities controlled by them. FHLB-Chicago subsequently amended the complaint to name Redwood Trust, Inc. and another one of our subsidiaries, RWT
Holdings, Inc., as defendants. With respect to Redwood Trust, Inc., RWT Holdings, Inc., and SRF, the FHLB-Chicago alleges that SRF, Redwood Trust, Inc., and RWT Holdings, Inc. made false or misleading statements in the offering materials for two
mortgage pass-through certificates (the Chicago Certificates) issued in the Sequoia Mortgage Trust 2006-1 securitization transaction (the 2006-1 RMBS) and purchased by the FHLB-Chicago. The complaint alleges that the alleged
misstatements concern, among other things, the (1) loan-to-value ratio of mortgage loans and the appraisals of the properties that secured loans supporting the 2006-1 RMBS, (2) occupancy status of the properties, (3) standards used to
underwrite the loans, (4) ratings assigned to the Chicago Certificates, and (5) due diligence performed on these mortgage loans. The FHLB-Chicago alleges claims under Illinois Securities Law (815 ILCS Sections 5/12(F)-(H)) and North
Carolina Securities Law (N.C.G.S.A. §78A-8(2) & §78A-56(a)) as well as a claim for negligent misrepresentation under Illinois common law. On some of the causes of action, the FHLB-Chicago seeks to rescind the purchase of the
Chicago Certificates and to collect interest on the original purchase prices at the statutory interest rate of 10% per annum from the dates of original purchase (net of interest received). On one cause of action, the FHLB-Chicago seeks
unspecified damages. The FHLB-Chicago also seeks attorneys fees and costs. The first of the Chicago Certificates was issued with an original principal amount of approximately $105 million and, as of December 31, 2013, the FHLB Chicago has
received approximately $72.3 million of principal and $24.2 million of interest payments in respect of this Chicago Certificate. As of December 31, 2013, this Chicago Certificate had a remaining outstanding principal amount of approximately
$32.0 million (after taking into account approximately $1.0 million of principal losses allocated to this Chicago Certificate). The second of the Chicago Certificates was issued with an original principal amount of approximately $379 million and, as
of December 31, 2013, the FHLB Chicago has received approximately $258.6 million of principal and $81.5 million of interest payments in respect of this Chicago Certificate. As of December 31, 2013, this Chicago Certificate had a remaining
outstanding principal amount of approximately $113.7 million (after taking into account approximately $6.3 million of principal losses allocated to this Chicago Certificate). SRF, Redwood Trust, Inc., and RWT Holdings, Inc. have denied
FHLB-Chicagos allegations. This case is in early stages of discovery, and no trial date has been set. We intend to defend the action vigorously. Redwood agreed to indemnify the underwriters of the 2006-1 RMBS, which underwriters are also named
defendants in this action, for certain losses and expenses they might incur as a result of claims made against them relating to this RMBS, including, without limitation, certain legal expenses. Regardless of the outcome of this litigation, Redwood
could incur a loss as a result of these indemnities.

The business of the sponsor, the depositor, the seller and their affiliates has included, and
continues to include, activities relating to the acquisition and securitization of residential mortgage loans. In addition, the business of the sponsor has, in the past, included activities relating to the acquisition and securitization of debt
obligations and other assets through the issuance of collateralized debt obligations (commonly referred to as CDO transactions). Because of their involvement in the securitization and CDO businesses, the sponsor, the depositor, the seller and their
affiliates could become the subject of litigation relating to these businesses, including additional litigation of the type described above, and could also become the subject of governmental investigations, enforcement actions, or lawsuits and
governmental authorities could allege that these entities violated applicable law or regulation in the conduct of their business.

In fact, the sponsor
and its affiliates have received, and responded to, information requests and subpoenas from two governmental authorities (one by the SEC relating to the sponsors CDO business and one by the National Credit Union Administration relating to a
residential mortgage securitization conducted by the sponsor and the depositor). It is possible that the sponsor, the depositor, the seller or their affiliates might not be successful in defending or responding to any litigation, governmental
investigation or related action and any losses incurred as a result of the resolution of any such action or investigation could have a material adverse effect on the sponsor, the depositor, the seller or their affiliates. In any case, regardless of
the merits of any allegation or legal action that may be brought against the sponsor, the depositor, the seller or their affiliates, or of their success in defending against such allegations or legal actions, the costs of defending against any such
allegation or legal action may be significant or material and could have a material adverse effect on the sponsor, the depositor, the seller or their affiliates.



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Item 1119 of Regulation AB, Affiliations and Certain Relationships and Related Transactions.

The seller and servicing administrator, the sponsor and the depositor are each either directly or indirectly wholly-owned subsidiaries of Redwood Trust, Inc.
There is not currently, and there was not during the past two years, any material business relationship, agreement, arrangement, transaction or understanding that is or was entered into outside the ordinary course of business or is or was on terms
other than would be obtained in an arms length transaction with an unrelated third party, between (a) any of the seller, the sponsor, the depositor and the issuing entity on the one hand and (b) any of the trustee, any servicer, the
custodian, the master servicer or either originator of the mortgage loans on the other hand.

Item 1122 of Regulation AB, Compliance with
Applicable Servicing Criteria.

The reports on assessment of compliance with the servicing criteria for asset-backed securities and the related
attestation reports on such assessments of compliance are attached hereto under Item 15.

The registrant has prepared the Table below in connection
with this transaction. The Table shows, in one compiled format, which entity participating in a servicing function for this transaction was assigned responsibility for each criterion in Item 1122(d). In the Table below, certain criteria are not
applicable, given the structure of the offering, and accordingly no entity is assigned responsibility for such criteria.

Also, Wilmington Trust, National
Association (Wilmington), the trustee, does not participate in any servicing function for the transaction that is the subject of this 10-K filing. Therefore, there is no reference to Wilmington in the chart below; nor does this 10-K
filing include any assessment or auditor report from Wilmington. Finally, any discrepancies between the chart below and the assessment of compliance exhibit provided by any party listed in the chart is explained by the fact that the chart is
specific to the transaction that is the subject of this 10-K filing, whereas each partys respective assessment of compliance is issued on a platform basis and includes coverage of other additional transactions that are not the subject of this
10-K filing.

SEQUOIA RESIDENTIAL FUNDING, INC.

SEMT 2013-8

Reg AB
1122(d)



|                                 |  |                                                                                                                                                                                                      |  |                                       |  |                                                           |  |                                 |  |                          |  |                                                                    |  |                               
|-------------------------------- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------------- |  | --------------------------------------------------------- |  | ------------------------------- |  | ------------------------ |  | ------------------------------------------------------------------ |  | ------------------------------
|Regulation ABReference           |  | Servicing Criteria                                                                                                                                                                                   |  | CitiMortgage, Inc.,as Master Servicer |  | Citibank, N.A., asSecuritiesAdministrator andPaying
Agent |  | First RepublicBank, as Servicer |  | Cenlar,
FSB, as Servicer |  | RedwoodResidentialAcquisitionCorporation,
asServicingAdministrator |  | Wells
Fargo Bank, as
Custodian
|                                
|General Servicing Considerations
|                                 |  |                                                                                                                                                                                                      |  |                                       |  |                                                           | 
|1122(d)(1)(i)                    |  | Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements.                                             |  | X                                     |  | X                                                         |  | X                               |  | X                        |  |                                                                    |  |                               
|                                 |  |                                                                                                                                                                                                      |  |                                       |  |                                                           | 
|1122(d)(1)(ii)                   |  | If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third partys performance and compliance with such servicing
activities. |  | X                                     |  |                                                           |  | X                               |  | X                        |  |                                                                    |  |                               



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|                                 |  |                                                                                                                                                                                                                                                                   |  |     |  |     |  |     |  |     |  |     |  |    
|-------------------------------- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | --- |  | --- |  | --- |  | --- |  | --- |  | ---
|1122(d)(1)(iii)                  |  | Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained.                                                                                                                                                 |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A
|                                 |  |                                                                                                                                                                                                                                                                   |  |     |  |     | 
|1122(d)(1)(iv)                   |  | A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of
the transaction agreements. |  | X   |  |     |  | X   |  | X   |  |     |  |    
|                                
|General Servicing Considerations
|                                 |  |                                                                                                                                                                                                                                                                   |  |     |  |     | 
|1122(d)(2)(i)                    |  | Payments on pool assets are deposited into the appropriate bank collection accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction
agreements.                    |  | X   |  | X   |  | X   |  | X   |  |     |  |    
|                                 |  |                                                                                                                                                                                                                                                                   |  |     |  |     | 
|1122(d)(2)(ii)                   |  | Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel.                                                                                                                                             |  | X   |  | X   |  | X   |  | X   |  |     |  |    
|                                 |  |                                                                                                                                                                                                                                                                   |  |     |  |     | 
|1122(d)(2)(iii)                  |  | Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements.                                         |  | X   |  |     |  | X   |  | X   |  | X   |  |    



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|               |  |                                                                                                                                                                                                                                                                                                                                                                                  |  |     |  |   |  |   |  |   |  |  |  | 
|-------------- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | --- |  | - |  | - |  | - |  |  |  | 
|1122(d)(2)(iv) |  | The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the
transaction agreements.                                                                                                                           |  |     |  | X |  | X |  | X |  |  |  | 
|               |  |                                                                                                                                                                                                                                                                                                                                                                                  |  |     |  |   | 
|1122(d)(2)(v)  |  | Each collection account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, federally insured depository institution with respect to
a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act. |  | X   |  | X |  | X |  | X |  |  |  | 
|               |  |                                                                                                                                                                                                                                                                                                                                                                                  |  |     |  |   | 
|1122(d)(2)(vi) |  | Unissued checks are safeguarded so as to prevent unauthorized access.                                                                                                                                                                                                                                                                                                            |  | N/A |  |   |  | X |  |   |  |  |  | 



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|                                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |   |  |  |  |   |  |   |  |  |  | 
|---------------------------------- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | - |  |  |  | - |  | - |  |  |  | 
|1122(d)(2)(vii)                    |  | Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including collection accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B)
prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain
explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. |  | X |  |  |  | X |  | X |  |  |  | 
|                                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|Investor Remittances and Reporting |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |  



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|               |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  |   |  |   |  |                                 |  |   |  |  |  | 
|-------------- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | - |  | - |  | ------------------------------- |  | - |  |  |  | 
|1122(d)(3)(i)  |  | Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and
applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the
transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors or the trustees
records as to the total unpaid principal balance and number of pool assets serviced by the Servicer. |  | X |  |   |  | X (Except NOT 1122(d)(3)(i)(C)) |  | X |  |  |  | 
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  |   |  |   | 
|1122(d)(3)(ii) |  | Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |   |  | X |  | X                               |  | X |  |  |  | 



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|                          |  |                                                                                                                                                                                                                                                                                                                                                                                                              |  |     |  |     |  |   |  |   |  |  |  |  
|------------------------- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |  | --- |  | --- |  | - |  | - |  |  |  | -
|1122(d)(3)(iii)           |  | Disbursements made to an investor are posted within two business days to the Servicers investor records, or such other number of days specified in the transaction agreements.                                                                                                                                                                                                                              |  | X   |  |     |  | X |  | X |  |  |  |  
|                          |  |                                                                                                                                                                                                                                                                                                                                                                                                              |  |     |  |     | 
|1122(d)(3)(iv)            |  | Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.                                                                                                                                                                                                                                                                  |  | X   |  |     |  | X |  | X |  |  |  |  
|                         
|Pool Asset Administration
|                          |  |                                                                                                                                                                                                                                                                                                                                                                                                              |  |     |  |     | 
|1122(d)(4)(i)             |  | Collateral or security on pool assets is maintained as required by the transaction agreements or related pool asset documents.                                                                                                                                                                                                                                                                               |  |     |  |     |  | X |  | X |  |  |  | X
|                          |  |                                                                                                                                                                                                                                                                                                                                                                                                              |  |     |  |     | 
|1122(d)(4)(ii)            |  | Pool assets and related documents are safeguarded as required by the transaction agreements.                                                                                                                                                                                                                                                                                                                 |  |     |  |     |  | X |  | X |  |  |  | X
|                          |  |                                                                                                                                                                                                                                                                                                                                                                                                              |  |     |  |     | 
|1122(d)(4)(iii)           |  | Any additions, removals or substitutions to the asset pool are made, reviewed & approved in accordance with any conditions or requirements in the transaction agreements.                                                                                                                                                                                                                                    |  | N/A |  | N/A |  | X |  | X |  |  |  |  
|                          |  |                                                                                                                                                                                                                                                                                                                                                                                                              |  |     |  |     | 
|1122(d)(4)(iv)            |  | Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicers obligor records maintained no more than two business days after receipt, or such other
number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related pool asset documents. |  | N/A |  | N/A |  | X |  | X |  |  |  |  



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|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |  |     |  |     |  |   |  |   |  |  |  | 
|---------------- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | --- |  | --- |  | - |  | - |  |  |  | 
|1122(d)(4)(v)    |  | The Servicers records regarding the pool assets agree with the Servicers records with respect to an obligors unpaid principal balance.                                                                                                                                                                                                                                                                                                                                                                      |  | N/A |  | N/A |  | X |  | X |  |  |  | 
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |  |     |  |     | 
|1122(d)(4)(vi)   |  | Changes with respect to the terms or status of an obligors pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and
related pool asset documents.                                                                                                                                                                                                                                                        |  | N/A |  | N/A |  | X |  | X |  |  |  | 
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |  |     |  |     | 
|1122(d)(4)(vii)  |  | Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes
or other requirements established by the transaction agreements.                                                                                                                                                                                                         |  | N/A |  | N/A |  | X |  | X |  |  |  | 
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |  |     |  |     | 
|1122(d)(4)(viii) |  | Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period
specified in the transaction agreements, and describe the entitys activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g.,
illness or unemployment). |  | N/A |  | N/A |  | X |  | X |  |  |  | 



---

|               |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |     |  |     |  |   |  |   |  |  |  | 
|-------------- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | --- |  | --- |  | - |  | - |  |  |  | 
|1122(d)(4)(ix) |  | Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents.                                                                                                                                                                                                                                                                                                                                                                                                                                          |  | N/A |  | N/A |  | X |  | X |  |  |  | 
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |     |  |     | 
|1122(d)(4)(x)  |  | Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligors pool asset documents, on at least an annual basis, or such other period specified in
the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of
the related pool assets, or such other number of days specified in the transaction agreements. |  | N/A |  | N/A |  | X |  | X |  |  |  | 



---

|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                 |  |     |  |     |  |   |  |   |  |  |  | 
|---------------- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | --- |  | --- |  | - |  | - |  |  |  | 
|1122(d)(4)(xi)   |  | Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as
indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days
prior to these dates, or such other number of days specified in the transaction agreements. |  | N/A |  | N/A |  | X |  | X |  |  |  | 
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                 |  |     |  |     | 
|1122(d)(4)(xii)  |  | Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicers funds and not charged to the obligor, unless the late payment was due to the obligors error or
omission.                                                                                                                                                             |  | N/A |  | N/A |  | X |  | X |  |  |  | 
|                 |  |                                                                                                                                                                                                                                                                                                                                                                                                 |  |     |  |     | 
|1122(d)(4)(xiii) |  | Disbursements made on behalf of an obligor are posted within two business days to the obligors records maintained by the servicer, or such other number of days specified in the transaction agreements.                                                                                                                                                                                       |  | N/A |  | N/A |  | X |  | X |  |  |  | 



---

|                |  |                                                                                                                                                                               |  |     |  |     |  |     |  |     |  |     |  |    
|--------------- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | --- |  | --- |  | --- |  | --- |  | --- |  | ---
|1122(d)(4)(xiv) |  | Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements.                                              |  | X   |  |     |  | X   |  | X   |  |     |  |    
|                |  |                                                                                                                                                                               |  |     |  |     | 
|1122(d)(4)(xv)  |  | Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements. |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A |  | N/A

CitiMortgage, Inc.

The
assessment of compliance with applicable servicing criteria for the twelve months ended December 31, 2013, furnished pursuant to Item 1122 of Regulation AB by CitiMortgage, Inc. (the 2013 CitiMortgage Assessment) for its
platform, discloses that material instances of noncompliance occurred with respect to the servicing criteria described in Item 1122(d)(4)(vii) of Regulation AB. The 2013 CitiMortgage Assessment is attached to this Form 10-K as exhibit 33.1.

1122(d)(4)(vii)In certain instances, the Servicer did not initiate, conduct, and conclude loss mitigation or recovery actions (e.g., forbearance
plans, modifications, and deeds in lieu of foreclosure, foreclosures, and repossessions, as applicable) in accordance with the timeframes or other requirements established by the transaction agreements.

The Servicers internal reviews identified noncompliance related to adherence to U.S. Federal Bankruptcy Code timeliness, including proof of claim
filings; late removal of accounts from bankruptcy status; bankruptcy processing controls; and bankruptcy technology risk assessment. As of September 30, 2013, sustainable corrective action plans were fully implemented to remediate this issue.

Item 1123 of Regulation AB, Servicer Compliance Statement.

The servicer compliance statements are attached hereto under Item 15.

PART IV

Item 15. Exhibits,
Financial Statement Schedules.



| | (a) | List the following documents filed as a part of the report:
| | --- | -----------------------------------------------------------



| | (1) | Not Applicable
| | --- | --------------



---

| | (2) | Not Applicable
| | --- | --------------



| | (3) | Exhibits listed below are included as indicated below:
| | --- | ------------------------------------------------------



|              |  |                                                                                                                                                                                                                                                                                                                                                
|------------- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|ExhibitNumber |  | Description                                                                                                                                                                                                                                                                                                                                    
|              | 
|(4)           |  | Pooling and Servicing Agreement, dated as of June 1, 2013, by and among Sequoia Residential Funding, Inc., as depositor, CitiMortgage, Inc., as master servicer, Citibank, N.A., as securities administrator and Wilmington Trust,
National Association, as trustee (incorporated by reference to Form 8-K filed on June 14, 2013, Exhibit 4.1)
|              | 
|(31)          |  | Rule 13a-14(d)/15d-14(d) Certification                                                                                                                                                                                                                                                                                                         
|              | 
|(33)          |  | Reports on assessment of compliance with servicing criteria for asset-backed issuers                                                                                                                                                                                                                                                           
|              | 
|              |  | 33.1 CitiMortgage, Inc., as Master Servicer                                                                                                                                                                                                                                                                                                    
|              | 
|              |  | 33.2 Citibank, N.A., as Securities Administrator and Paying Agent                                                                                                                                                                                                                                                                              
|              | 
|              |  | 33.3 First Republic Bank, as Servicer                                                                                                                                                                                                                                                                                                          
|              | 
|              |  | 33.4 Cenlar, FSB, as Servicer                                                                                                                                                                                                                                                                                                                  
|              | 
|              |  | 33.5 Redwood Residential Acquisition Corporation, as Servicing Administrator                                                                                                                                                                                                                                                                   
|              | 
|              |  | 33.6 Wells Fargo Bank, N.A., as Custodian                                                                                                                                                                                                                                                                                                      
|              | 
|(34)          |  | Attestation reports on assessment of compliance with servicing criteria for asset-backed securities                                                                                                                                                                                                                                            
|              | 
|              |  | 34.1 CitiMortgage, Inc., as Master Servicer                                                                                                                                                                                                                                                                                                    
|              | 
|              |  | 34.2 Citibank, N.A., as Securities Administrator and Paying Agent                                                                                                                                                                                                                                                                              
|              | 
|              |  | 34.3 First Republic Bank, as Servicer                                                                                                                                                                                                                                                                                                          
|              | 
|              |  | 34.4 Cenlar, FSB, as Servicer                                                                                                                                                                                                                                                                                                                  
|              | 
|              |  | 34.5 Redwood Residential Acquisition Corporation, as Servicing Administrator                                                                                                                                                                                                                                                                   
|              | 
|              |  | 34.6 Wells Fargo Bank, N.A., as Custodian                                                                                                                                                                                                                                                                                                      
|              | 
|(35)          |  | Servicer Compliance Statement                                                                                                                                                                                                                                                                                                                  
|              | 
|              |  | 35.1 CitiMortgage, Inc., as Master Servicer                                                                                                                                                                                                                                                                                                    
|              | 
|              |  | 35.2 Citibank, N.A., as Securities Administrator and Paying Agent                                                                                                                                                                                                                                                                              
|              | 
|              |  | 35.3 Cenlar, FSB, as Servicer                                                                                                                                                                                                                                                                                                                  
|              | 
|              |  | 35.4 Redwood Residential Acquisition Corporation, as Servicing Administrator                                                                                                                                                                                                                                                                   



| | (b) | See subparagraph (a)(3) above.
| | --- | ------------------------------



| | (c) | Omitted.
| | --- | --------



---

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned thereunto duly authorized.



|                                                                   
|-------------------------------------------------------------------
|Sequoia Residential Funding, Inc.                                  
|(Depositor)                                                        
|                                                                   
|/s/ John Isbrandtsen                                               
|John Isbrandtsen, Chairman of the Board and Chief Executive Officer
|(senior officer in charge of securitization of the depositor)      

Date: March 28, 2014

EXHIBIT INDEX



|               |  |                                                                                                                                                                                                                                                                                                                                                
|-------------- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit
Number |  | Description                                                                                                                                                                                                                                                                                                                                    
|               | 
|(4)            |  | Pooling and Servicing Agreement, dated as of June 1, 2013, by and among Sequoia Residential Funding, Inc., as depositor, CitiMortgage, Inc., as master servicer, Citibank, N.A., as securities administrator and Wilmington Trust,
National Association, as trustee (incorporated by reference to Form 8-K filed on June 14, 2013, Exhibit 4.1)
|               | 
|(31)           |  | Rule 13a-14(d)/15d-14(d) Certification                                                                                                                                                                                                                                                                                                         
|               | 
|(33)           |  | Reports on assessment of compliance with servicing criteria for asset-backed issuers                                                                                                                                                                                                                                                           
|               | 
|               |  | 33.1 CitiMortgage, Inc., as Master Servicer                                                                                                                                                                                                                                                                                                    
|               | 
|               |  | 33.2 Citibank, N.A., as Securities Administrator and Paying Agent                                                                                                                                                                                                                                                                              
|               | 
|               |  | 33.3 First Republic Bank, as Servicer                                                                                                                                                                                                                                                                                                          
|               | 
|               |  | 33.4 Cenlar, FSB, as Servicer                                                                                                                                                                                                                                                                                                                  
|               | 
|               |  | 33.5 Redwood Residential Acquisition Corporation, as Servicing Administrator                                                                                                                                                                                                                                                                   
|               | 
|               |  | 33.6 Wells Fargo Bank, N.A., as Custodian                                                                                                                                                                                                                                                                                                      
|               | 
|(34)           |  | Attestation reports on assessment of compliance with servicing criteria for asset-backed securities                                                                                                                                                                                                                                            
|               | 
|               |  | 34.1 CitiMortgage, Inc., as Master Servicer                                                                                                                                                                                                                                                                                                    
|               | 
|               |  | 34.2 Citibank, N.A., as Securities Administrator and Paying Agent                                                                                                                                                                                                                                                                              
|               | 
|               |  | 34.3 First Republic Bank, as Servicer                                                                                                                                                                                                                                                                                                          
|               | 
|               |  | 34.4 Cenlar, FSB, as Servicer                                                                                                                                                                                                                                                                                                                  
|               | 
|               |  | 34.5 Redwood Residential Acquisition Corporation, as Servicing Administrator                                                                                                                                                                                                                                                                   
|               | 
|               |  | 34.6 Wells Fargo Bank, N.A., as Custodian                                                                                                                                                                                                                                                                                                      
|               | 
|(35)           |  | Servicer Compliance Statement                                                                                                                                                                                                                                                                                                                  
|               | 
|               |  | 35.1 CitiMortgage, Inc., as Master Servicer                                                                                                                                                                                                                                                                                                    
|               | 
|               |  | 35.2 Citibank, N.A., as Securities Administrator and Paying Agent                                                                                                                                                                                                                                                                              
|               | 
|               |  | 35.3 Cenlar, FSB, as Servicer                                                                                                                                                                                                                                                                                                                  
|               | 
|               |  | 35.4 Redwood Residential Acquisition Corporation, as Servicing Administrator