# EDGAR Filing Document

**Accession Number:** 0001991364
**File Stem:** 0001539497-25-002533
**Filing Date:** 2025-9
**Character Count:** 729478
**Document Hash:** ca3721cb38d9263c06b9ba85d060c983
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-25-002533.hdr.sgml**: 20250929

**ACCESSION NUMBER**: 0001539497-25-002533

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20250929

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20250929

**DATE AS OF CHANGE**: 20250929

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Other

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Residential Mortgage Acceptance Corp.
- **CENTRAL INDEX KEY:** 0001991364

**ORGANIZATION NAME:**
- **EIN:** 061572996
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06667
- **FILM NUMBER:** 251357090

**BUSINESS ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
- **BUSINESS PHONE:** 212-834-4890

**MAIL ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Residential Mortgage Acceptance Corp.
- **CENTRAL INDEX KEY:** 0001991364

**ORGANIZATION NAME:**
- **EIN:** 061572996
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
- **BUSINESS PHONE:** 212-834-4890

**MAIL ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Residential Mortgage Acceptance Corp.
- **CENTRAL INDEX KEY:** 0001991364

**ORGANIZATION NAME:**
- **EIN:** 061572996
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06667

**BUSINESS ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
- **BUSINESS PHONE:** 212-834-4890

**MAIL ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G**

**OF THE SECURITIES EXCHANGE ACT OF 1934**

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

[_] Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _________ to __________.

Date of Report (Date of earliest event reported): ___________

Commission File Number of securitizer: ___________

Central Index Key Number of securitizer: ___________

  <br> (Name and telephone number, including area code, <br> of the person to contact in connection with this filing)

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1): [_]

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i): [_]

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii): [_]

[X] Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2).

Central Index Key Number of depositor: 0001991364

---

| |
|:---|
| &nbsp;&nbsp;**Chase Home Lending Mortgage Trust 2025-11** |
| &nbsp;&nbsp;(Exact name of issuing entity as specified in its charter) |

---

Central Index Key Number of issuing entity (if applicable): __________

Central Index Key Number of underwriter (if applicable): __________

---

| |
|:---|
| &nbsp;&nbsp;**Bithun John, (212) 834-4890** |
| &nbsp;&nbsp;(Name and telephone number, including area code, <br> of the person to contact in connection with this filing) |

---

**INFORMATION TO BE INCLUDED IN THE REPORT**

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

N/A

**PART II: FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

**Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer**

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| Date: September 29, 2025 | J.P. MORGAN RESIDENTIAL MORTGAGE | J.P. MORGAN RESIDENTIAL MORTGAGE |
|  | ACCEPTANCE CORP. (Depositor) | ACCEPTANCE CORP. (Depositor) |
|  | By: | /s/ Bithun John |
|  |  | Name: Bithun John |
|  |  | Title: President |

---

**EXHIBIT INDEX**

99.1 AMC Diligence, LLC ("AMC") Pool 1 Executive Summary

99.2 AMC Pool 1 Rating Agency Grades

99.3 AMC Pool 1 Exception Grades

99.4 AMC Pool 1 Valuation Report

99.5 AMC Pool 1 Data Compare Summary

99.6 AMC Pool 1 Data Compare

99.7 AMC Pool 2 Executive Summary

99.8 AMC Pool 2 Rating Agency Grades

99.9 AMC Pool 2 Exception Grades

99.10 AMC Pool 2 Valuation Report

99.11 AMC Pool 2 Data Compare Summary

99.12 AMC Pool 2 Data Compare

## Exhibit 99.1

**Exhibit 99.1**![](n5321_amclogo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, N.A. ("**Client**") from March 2025 to July 2025 via files imaged and provided by JPMorgan Chase Bank, N.A. for review (the "**Review**").

The loans in the Review carried origination dates of December 2024 to April 2025.

**(2) Sample size of the assets reviewed.**

The Review was conducted on a total population of seven (7) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

**(3) Determination of the sample size and computation.**

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

AMC compared data fields on the bid tape provided by Client to the data found in the actual file as captured by AMC. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate |  |

---

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)"), and/or loan-to-value ratios ("LTV(s)") used in the assessment of conformity guidelines.

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as

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appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP/Turbo Review** 

When a DU/LP/Turbo form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP/Turbo were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP/Turbo in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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**Title Review:** AMC's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

**(6) Value of collateral securing the assets: review and methodology.**

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying Client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the Client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the Client was notified of such variance and a second independent valuation product was ordered.

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation

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product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23, §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period;

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vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any
re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the applicable home equity initial and account opening
disclosures

ii) failure to provide the applicable home equity initial and account opening disclosures in a timely manner

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Tolerances (§§1026.18, 22 23, and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance
by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Total of Payments to re-calculated Total of Payments.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32 and 34):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator
was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, AMC reviewed the relevant documents in the mortgage
loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures
of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures,
AMC's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These
statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in
the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in
connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require arbitration or any other
non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums
or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization and individual
mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument,
Loan Estimate and Closing Disclosure; and

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ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to
determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the mortgage
loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in
the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership counselling organizations was obtained
no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that each revised LE is accompanied by valid written documentation
explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within
3 business days of issuance;

vi) capture whether a settlement service provider list ("SSPL") was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation.

vii) confirm borrower received LE not later than four (4) business days prior to consummation; and

viii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial
and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file
or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages
as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans
Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R.
1026.43(f)).

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

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With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |

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| | |
|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

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| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

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For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, AMC reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

*<u>General Ability to Repay</u>*

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, AMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

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**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;■ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;■ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;■ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed
circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right
of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed
of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA
disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;■ Notice
of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;■ HUD
from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;■ Certain
other disclosures related to the enumerated tests set forth herein.

**(8) Other: review and methodology.**

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws

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("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, Inc. ("Kroll"), Moody's Investors Service, Inc. ("Moody's"), and S&P Global Ratings ("S&P").

**OVERALL REVIEW RESULTS SUMMARY**

There were seven (7) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, six (6) loans had an Overall loan grade of "A", and one (1) loan had an Overall loan grade of "B".

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***12*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**12** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**12** |

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**COMPLIANCE RESULTS SUMMARY**

Of the seven (7) loans reviewed, under the applicable NRSRO grading criteria, six (6) loans had a Compliance Review "A" grade, and one (1) loan had a Compliance Review grade of "B".

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the seven (7) loans reviewed, under the applicable NRSRO grading criteria, all the loans had a Property Review "A" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**CREDIT REVIEW RESULTS SUMMARY**

Of the seven (7) loans reviewed, under the applicable NRSRO grading criteria, all seven (7) loans had a Credit Review "A" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the seven (7) mortgage loans reviewed, five (5) (71.43%) mortgage loans had tape discrepancies across two (2) unique data fields. The most common tape discrepancies were Initial Rate Lock Date (71.43%) and Investor: Qualifying Total Debt Ratio (14.29%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;7 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |

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12 \| P a g e

![](n5321_amclogo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**168** | &nbsp;&nbsp;**3.57%** | &nbsp;&nbsp;**7** |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Safe Harbor QM (APOR) | 7 | 100.00% | $7910369.00 | 100.00% |
| **Total** | **7** | **100.00%** | **$7910369.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Fixed | 7 | 100.00% | $7910369.00 | 100.00% |
| **Total** | **7** | **100.00%** | **$7910369.00** | **100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 1 | 7 | 100.00% | $7910369.00 | 100.00% |
| **Total** | **7** | **100.00%** | **$7910369.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| First Time Home Purchase | 2 | 28.57% | $2636000.00 | 33.32% |
| Other-than-first-time Home Purchase | 3 | 42.86% | $3029569.00 | 38.30% |
| Rate/Term Refinance - Borrower Initiated | 2 | 28.57% | $2244800.00 | 28.38% |
| **Total** | **7** | **100.00%** | **$7910369.00** | **100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 241-360 Months | 7 | 100.00% | $7910369.00 | 100.00% |
| **Total** | **7** | **100.00%** | **$7910369.00** | **100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Single Family Detached | 3 | 42.86% | $3630944.00 | 45.90% |
| PUD | 4 | 57.14% | $4279425.00 | 54.10% |
| **Total** | **7** | **100.00%** | **$7910369.00** | **100.00%** |

---

13 \| P a g e

![](n5321_amclogo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Primary | 6 | 85.71% | $7003425.00 | 88.53% |
| Second Home | 1 | 14.29% | $906944.00 | 11.47% |
| **Total** | **7** | **100.00%** | **$7910369.00** | **100.00%** |

---

\*Tables may not add to 100% due to rounding.

**EXCEPTION DETAIL**

The exception summary below ties to the total number of B and C exceptions for the population included in the Review. Some mortgage loans may be listed multiple times if they carried multiple exception categories even if those categories were within the same general exception category (ex. Disclosures and RESPA Tolerance within Compliance).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Final Closing Disclosure Projected P&I Min Payment Adjustable-Rate Subsequent Payments | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;TRID Temporary Buydown Incorrectly Reflected on Disclosure Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Product Testing | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Projected Principal and Interest Payment Min Payment ARM | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure AIR Table First Change Frequency Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure AIR Table Minimum Interest Rate | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Interest Rate Change After Closing Testing | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Payment Adjusts Once | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Principal and Interest | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |

---

14 \| P a g e

## Exhibit 99.2

**Exhibit 99.2**

![](situsamc_logo.jpg)

**Rating Agency Grades**

**Run Date - 9/19/2025 3:36:49 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 223007287 |  | 3158618268 |  |  | B | D | C | D | A | A | A | A |  |
| 223395468 |  | 3158618272 |  |  | A | A | C | C | A | A | A | A |  |
| 223519764 |  | 3158618273 |  |  | A | B | C | C | A | A | A | A |  |
| 223519857 |  | 3158618324 |  |  | A | A | C | C | A | A | A | A |  |
| 223519859 |  | 3158618325 |  |  | A | C | A | C | A | A | A | A |  |
| 223642930 |  | 3158618285 |  |  | A | C | A | C | A | B | A | B |  |
| 223642947 |  | 3158618292 |  |  | A | C | A | C | A | A | A | A |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](situsamc_logo.jpg)

**Exception Grades**

**Run Date - 9/19/2025 3:36:49 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 223007287 |  | 3158618268 |  | 33011829 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan <br> Amount. | The Title Policy Amount of ___ is less than the note <br> amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the <br> note amount of $[Redacted] based on the Commitment <br> in file. |  |  |  | Reviewer Comment (2025-04-09): title policy received<br>Buyer Comment (2025-04-09): Please review Title attached | 04/09/2025 |  |  | 1 B A |  | FL | Second Home | Purchase | D A B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223007287 |  | 3158618268 |  | 33011860 |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Estimated Values | Final Closing Disclosure used for fees provided on [Redacted] contains estimated values that may not represent final terms or closing costs to the borrower. Estimated Closing Disclosure used for any applicable Federal, State or Local compliance testing. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows ONLY (no holdback service fees or other estimated fees), then Estimated Closing Disclosure exception may be cleared. | Final Closing Disclosure indicated an escrow holdback in the amount of $[Redacted]. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows only, then Estimated Closing Disclosure exception may be cleared. |  |  |  | Reviewer Comment (2025-03-13): Escrow Holdback <br> agreement showing the holdback funds are for <br> completion of work and inspection fees<br>Buyer Comment (2025-03-13): Please see attached <br> evidence the amount is for repair/construction costs. | 03/13/2025 |  |  | 1 D A |  | FL | Second Home | Purchase | D A B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223007287 |  | 3158618268 |  | 33011825 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | 442 is missing from the file. |  |  |  | Reviewer Comment (2025-07-30): 442 showing work has been completed has been received.<br>Buyer Comment (2025-07-30): Please review Appraisal completion attached | 07/30/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | D A B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223395468 |  | 3158618272 |  | 33475154 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-08-11): 1004D showing the property is complete has been received<br>Buyer Comment (2025-08-11): Please review Appraisal completion attached | 08/11/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223395468 |  | 3158618272 |  | 33475892 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |  | 05/16/2025 |  | 1 A |  | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223395468 |  | 3158618272 |  | 33475893 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |  | 05/16/2025 |  | 1 A |  | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223395468 |  | 3158618272 |  | 33475894 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |  | 05/16/2025 |  | 1 A |  | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223519764 |  | 3158618273 |  | 33639229 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-07-22): 1004D received, showing items were completed<br>Buyer Comment (2025-07-22): Please review uploaded 1004D. | 07/22/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223519764 |  | 3158618273 |  | 33639237 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of preliminary appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-06-13): proof of appraisal delivery received<br>Buyer Comment (2025-06-13): Please review uploaded proof of appraisal delivery. | 06/13/2025 |  |  | 1 B A |  | MN | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223519857 |  | 3158618324 |  | 33685373 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and 442 is not available in the file. |  |  |  | Reviewer Comment (2025-08-10): 1004D received, showing the home is complete<br>Buyer Comment (2025-08-08): Please review 1004D attached | 08/10/2025 |  |  | 1 C A |  | MN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223519859 |  | 3158618325 |  | 33707703 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-07-10): Valid COC and timely notification for fee change received<br>Buyer Comment (2025-07-09): This fee was initially based on the $160 recoding fee. The lender was not aware of the additional grant deed recording fee of $40 and recording service fee of $35 until receiving the draft CD and invoice from closing attorney on [Redacted]. Please see email from our April compliance review uploaded under (D0903). They notified the borrower within 3 business days on COC and CD dated [Redacted] stating recording fees were higher than estimated (D0887) and (D0423).<br>Reviewer Comment (2025-07-09): SitusAMC Received LOA states recording fee was updated after receiving the master statement is not a valid reason. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-07-08): Please see attached letter of explanation.<br>Reviewer Comment (2025-07-01): SitusAMC received COC dated [Redacted], however provided reason matched to prelim master statement is not valid reason for increase of recording fee. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-06-30): See attached Settlement Stmt along with the COC for increase in fee<br>Reviewer Comment (2025-06-24): [Redacted] received email conversation. The provided reason is not a valid reason for increase in recording fee. The reason for adding the deed fee later on the loan is required as to verify what new information was received that was not known earlier. Please provide additional information or cure would be due to borrower.<br>Buyer Comment (2025-06-23): Please review Change in Circumstance form attached and letter of explanation from Lender | 07/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: <br> Letter of Explanation, Proof of Delivery, Copy <br> of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794578 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed the loan as a 1/1 Step Loan when it was actually a fixed rate loan with a buydown. |  |  |  | Reviewer Comment (2025-07-25): LOE and PCCD and proof of email received<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794577 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed the loan as a 1/1 Step Loan when it was actually a fixed rate loan with a buydown. |  |  |  | Reviewer Comment (2025-07-25): LOE and PCCD and proof of email received<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794549 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. | The Final CD disclosed the loan as a 1/1 Step Rate loan instead of a Fixed Rate loan with a buydown. |  |  |  | Reviewer Comment (2025-07-25): LOE, PCCD and email delivery. Product did not change, therefore, no 3-day timing violation<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794575 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed the loan as a 1/1 Step Loan when it was actually a fixed rate loan with a buydown. |  |  |  | Reviewer Comment (2025-07-25): LOE and PCCD and proof of email received<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794574 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Once | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Loan Terms adjust a single adjustment of Principal and Interest. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed the loan as a 1/1 Step Loan when it was actually a fixed rate loan with a buydown. |  |  |  | Reviewer Comment (2025-07-25): LOE and PCCD and proof of email received<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794573 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Interest Rate Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the Interest Rate can change. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed that the Interest Rate can change; however, the loan was a fixed rate loan. |  |  |  | Reviewer Comment (2025-07-25): LOE and PCCD and proof of email received<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794572 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. | Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes frequency when the loan was actually a fixed rate loan. |  |  |  | Reviewer Comment (2025-07-25): LOE and PCCD and proof of email received<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794571 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Minimum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [Redacted] disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. | Final Closing Disclosure provided on [Redacted] disclosed a Minimum Interest Rate when the loan was actually a fixed rate loan. |  |  |  | Reviewer Comment (2025-07-25): LOE and PCCD and proof of email received<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794570 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Frequency Test | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [Redacted] disclosed a First Change frequency that does not match the actual first change frequency for the loan. | Adjustable Interest Rate Table: Final Closing Disclosure provided on [Redacted] disclosed a First Change frequency that does not match the actual first change frequency for the loan. |  |  |  | Reviewer Comment (2025-07-25): LOE and PCCD and proof of email received<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794551 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Regular Transactions | TILA-RESPA Integrated Disclosure - Three-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional 3-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | The final Post Closing Disclosure, dated [Redacted] reflected a product change from 1/1 Step Rate to a Fixed Rate. |  |  |  | Reviewer Comment (2025-07-07): No actual product change, exception results from incorrect Product disclosure from initial CD as opposed to a product change<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. | 07/07/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223642930 |  | 3158618285 |  | 33794550 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment ARM | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | The Final CD disclosed the loan as a 1/1 Step Rate loan instead of a Fixed Rate loan with a buydown. |  |  |  | Reviewer Comment (2025-07-25): LOE and PCCD and proof of email received<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794548 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the Principal and Interest Payment can change. | The final CD indicated the Principal and Interest Payment could change which was incorrect. |  |  |  | Reviewer Comment (2025-07-25): LOE and PCCD received<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): See attached updated docs. |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642930 |  | 3158618285 |  | 33794547 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Temporary Buydown Incorrectly Reflected on Disclosure Test | TRID: Terms on CD disclosed incorrectly accounting for lender/seller/third party buydown NOT reflected in the credit contract. | The buydown funds on the final CD were indicated to be buyer paid when in fact they were seller paid. |  |  |  | Reviewer Comment (2025-07-25): LOE and PCCD received<br>Buyer Comment (2025-07-25): Please see attached cure documents.<br>Reviewer Comment (2025-07-07): There is no cure provision under 1026.19(f)(2) outside of good faith tolerance cures and cures for non-numeric clerical errors. Accordingly, Cure is permitted under TILA 130(B) which requires that consumer is notified of error. SitusAMC also reviews pursuant to SFA TRID scope of review which provides that LOE and proof of delivery is required to cure.<br>Buyer Comment (2025-07-07): A copy of the Letter of Explanation is not required as the PCCD was already on file during the AMC review. Additionally, refer to the "NOTE" indicated on the received documents.<br>Reviewer Comment (2025-07-03): Corrected PCCD received, please provide copy of Letter of Explanation notifying borrower of error and Proof of Delivery<br>Buyer Comment (2025-07-03): Attached is the PCCD dated [Redacted], which shows a Fixed Rate with the Buydown being covered by the Seller. Additionally, page 2 of the Contract agreement is included to confirm that the Buydown was always intended to be paid by the Seller. The updated Buydown schedule also reflects that the Seller is responsible for the payment |  | 07/25/2025 |  | 2 C B |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642947 |  | 3158618292 |  | 33829599 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed on the initial Loan Estimate, but were later removed when the rate was locked and then added back to the [Redacted] Loan Estimate . A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-07-23): SItusAMC received LOE with LOS snips in lieu of COC.<br>Buyer Comment (2025-07-22): Please review uploaded appeal from correspondent.<br>Buyer Comment (2025-07-22): .<br>Reviewer Comment (2025-07-14): SitusAMC received rebuttal that origination points initially disclosed at $[Redacted] then rate locked and final LE as $[Redacted] and that COC's are sent only at CD state and ICD dated [Redacted] decreased to [Redacted]. However, the Initial LE issued [Redacted] with $[Redacted] discount points, was not locked on the rate. All subsequent LE's were not locked until [Redacted] on the 3rd sequence with $[Redacted] loan amount, [Redacted]% rate and discount of $[Redacted] which was supported by the valid changed circumstance, Doc ID [Redacted] and the baseline is reset at this time. Then on [Redacted] LE the discount points were added at $[Redacted] without a valid changed circumstance. No change in rate, loan amount or rate expiration was noted for this pricing increase. Changed circumstances in file did not give sufficient information to rebaseline and add discount points, and only stated new information unknown and that borrower requested change. However, typically a borrower will not request worse pricing. The subsequent disclosure, initial CD, reduced the points to $[Redacted], but the [Redacted] increased the points initially at $[Redacted]. Please provide additional information to support the change in pricing and valid reason and lender's knowledge of the change within 3 business days of redisclosure.<br>Buyer Comment (2025-07-14): Please review all uploaded discount point breakdowns.<br>Buyer Comment (2025-07-14): Please review uploaded rebuttal from Correspondent.<br>Reviewer Comment (2025-07-10): SItusAMC received COC dated [Redacted] along with the points breakdown but the reason for adding discount points is not provided on it. Please provide sufficient information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in the relock of the loan and change in pricing/closing costs while the loan is still within the lock period.<br>Buyer Comment (2025-07-08): Please review uploaded CIC and discount point breakdown. | 07/23/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223642947 |  | 3158618292 |  | 33833719 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Evidence of delivery to the borrower of this disclosure was not located in file. |  |  |  | Reviewer Comment (2025-07-07): proof of disclosure receipt to borrower has been received<br>Buyer Comment (2025-07-07): Please review uploaded ABA with acceptance/receipt info in lower left hand corner. | 07/07/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.4

**Exhibit 99.4**

![](situsamc_logo.jpg)

**Valuation Report**

**Run Date - 9/19/2025 3:36:49 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 223007287 |  | 3158618268 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| 223395468 |  | 3158618272 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223519764 |  | 3158618273 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| 223519857 |  | 3158618285 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 223519859 |  | 3158618292 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223642930 |  | 3158618324 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223642947 |  | 3158618325 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |

---

## Exhibit 99.5

**Exhibit 99.5**

![](situsamc_logo.jpg)

**Data Compare Summary (Total)**

**Run Date - 9/19/2025 3:36:33 PM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 7 | 0.00% | 7 |
| State | 0 | 7 | 0.00% | 7 |
| Zip | 0 | 7 | 0.00% | 7 |
| Note Date | 0 | 7 | 0.00% | 7 |
| Original Loan Amount | 0 | 7 | 0.00% | 7 |
| Amortization Term | 0 | 7 | 0.00% | 7 |
| Original Interest Rate | 0 | 7 | 0.00% | 7 |
| Borrower Qualifying FICO | 0 | 7 | 0.00% | 7 |
| Amortization Type | 0 | 7 | 0.00% | 7 |
| Representative FICO | 0 | 7 | 0.00% | 7 |
| Lien Position | 0 | 7 | 0.00% | 7 |
| Occupancy | 0 | 7 | 0.00% | 7 |
| Purpose | 0 | 7 | 0.00% | 7 |
| Appraised Value | 0 | 7 | 0.00% | 7 |
| Contract Sales Price | 0 | 7 | 0.00% | 7 |
| Balloon Flag | 0 | 7 | 0.00% | 7 |
| Original CLTV | 0 | 7 | 0.00% | 7 |
| Original LTV | 0 | 7 | 0.00% | 7 |
| Origination Channel | 0 | 7 | 0.00% | 7 |
| Appraisal Effective Date | 0 | 7 | 0.00% | 7 |
| Investor: Qualifying Total Debt Ratio | 1 | 7 | 14.29% | 7 |
| Initial Rate Lock Date | 5 | 7 | 71.43% | 7 |
| Coborrower Qualifying FICO | 0 | 5 | 0.00% | 7 |
| Property Type | 0 | 6 | 0.00% | 7 |
| Interest Only | 0 | 1 | 0.00% | 7 |
| Maturity Date | 0 | 2 | 0.00% | 7 |
| **Total** | **6** | **168** | **3.57%** | **7** |

---

## Exhibit 99.6

**Exhibit 99.6**

![](situsamc_logo.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 9/19/2025 3:43:19 PM**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 223007287 |  | 3158618268 |  |  | Initial Rate Lock Date | [Redacted} | [Redacted} | Verified | Field value reflects source document |
| 223395468 |  | 3158618272 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted} | [Redacted} | Verified | Field Value DTI is lower than Tape value due to Lender used higher PITIA <br> than verified by audit. Higher taxes used to qualify due on new <br> construction. |
| 223395468 |  | 3158618272 |  |  | Initial Rate Lock Date | [Redacted} | [Redacted} | Verified | Field value reflects source document |
| 223519764 |  | 3158618273 |  |  | Initial Rate Lock Date | [Redacted} | [Redacted} | Verified | Field value reflects source document |
| 223519857 |  | 3158618324 |  |  | Initial Rate Lock Date | [Redacted} | [Redacted} | Verified | Field value reflects source document |
| 223519859 |  | 3158618325 |  |  | Initial Rate Lock Date | [Redacted} | [Redacted} | Verified | Field value reflects source document |

---

## Exhibit 99.7

**Exhibit 99.7**

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**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, N.A. ("**Client**") during September 2025 via files imaged and provided by JPMorgan Chase Bank, N.A. for review (the "**Review**").

The loans in the Review carried origination dates between April 2025 and July 2025.

**(2) Sample size of the assets reviewed.**

The Review was conducted on a total population of three hundred twenty-four (324) loans. Three hundred twenty-four (324) loans were randomly selected by AMC from a population of six hundred eighty-eight (688) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

**(3) Determination of the sample size and computation.**

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

AMC compared data fields on the bid tape provided by Client to the data found in the actual file as captured by AMC. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original Interest Rate |  |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount |  |

---

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)"), and/or loan-to-value ratios ("LTV(s)") used in the assessment of conformity guidelines.

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate

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Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP/Turbo Review** 

When a DU/LP/Turbo form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP/Turbo were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP/Turbo in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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**Title Review:** AMC's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

**(6) Value of collateral securing the assets: review and methodology.**

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying Client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the Client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the Client was notified of such variance and a second independent valuation product was ordered.

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's

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day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23, §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period;

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vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any
re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the applicable home equity initial and account opening
disclosures

ii) failure to provide the applicable home equity initial and account opening disclosures in a timely manner

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Tolerances (§§1026.18, 22 23, and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance
by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Total of Payments to re-calculated Total of Payments.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32 and 34):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator
was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, AMC reviewed the relevant documents in the mortgage
loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures
of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures,
AMC's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These
statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in
the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in
connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require arbitration or any other
non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums
or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization and individual
mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument,
Loan Estimate and Closing Disclosure; and

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ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to
determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the mortgage
loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in
the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership counselling organizations was obtained
no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that each revised LE is accompanied by valid written documentation
explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within
3 business days of issuance;

vi) capture whether a settlement service provider list ("SSPL") was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation.

vii) confirm borrower received LE not later than four (4) business days prior to consummation; and

viii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial
and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file
or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages
as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans
Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R.
1026.43(f)).

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

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With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |

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| | |
|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

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| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

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For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, AMC reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

*<u>General Ability to Repay</u>*

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, AMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

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**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;■ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;■ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;■ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;■ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;■ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures related to the enumerated tests set forth herein.

**(8) Other: review and methodology.**

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws

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("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, Inc. ("Kroll"), Moody's Investors Service, Inc. ("Moody's"), and S&P Global Ratings ("S&P").

**OVERALL REVIEW RESULTS SUMMARY**

There were three hundred twenty-four (324) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, thirty-five (35) (10.80%) loans had an Overall loan grade of "B", eight (8) (2.47%) loans had an Overall loan grade of "C", and one (1) loan had an Overall loan grade of "D".

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***30*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**43** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Credit Grade (C) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***22*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**24** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;D | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Property Grade (D) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**68** |

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**COMPLIANCE RESULTS SUMMARY**

Of the three hundred twenty-four (324) loans reviewed, under the applicable NRSRO grading criteria, twenty-six (26) loans (8.02%) had a Compliance Review "B" grade, and six (6) loans (1.85%) had a Compliance Review "C" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;292 | &nbsp;&nbsp;90.12% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;26 | &nbsp;&nbsp;8.02% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.85% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the three hundred twenty-four (324) loans reviewed, under the applicable NRSRO grading criteria, three hundred twenty-three (323) loans had a Property Review "A" grade, and one (1) loan had a Property Review "D" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;323 | &nbsp;&nbsp;99.69% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.31% |

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**CREDIT REVIEW RESULTS SUMMARY**

Of the three hundred twenty-four (324) loans reviewed, under the applicable NRSRO grading criteria, three hundred one (301) mortgage loans (92.90%) of the total received an "A" Credit Review grade. Twenty-one (21) mortgage loans (6.48%) of the total received a "B" Credit Review grades and were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets. Two (2) mortgage loans (0.62%) of the total received a "C" Credit Review grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;301 | &nbsp;&nbsp;92.90% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;6.48% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the three hundred twenty-four (324) mortgage loans reviewed, one hundred one (101) (31.17%) mortgage loans had tape discrepancies across twelve (12) unique data fields. The most common tape discrepancies were Initial Rate Lock Date (20.99%), Investor: Qualifying Total Debt Ratio (4.94%) and Contract Sales Price (3.40%). AMC found generally that the

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DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.31% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;5 | &nbsp;&nbsp;323 | &nbsp;&nbsp;1.55% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;7 | &nbsp;&nbsp;324 | &nbsp;&nbsp;2.16% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;11 | &nbsp;&nbsp;324 | &nbsp;&nbsp;3.40% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;68 | &nbsp;&nbsp;324 | &nbsp;&nbsp;20.99% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;15 | &nbsp;&nbsp;324 | &nbsp;&nbsp;4.63% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;324 | &nbsp;&nbsp;1.54% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.31% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.31% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;324 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.93% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;324 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;324 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**7984** | &nbsp;&nbsp;**1.57%** | &nbsp;&nbsp;**324** |

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**ADDITIONAL LOAN POPULATION SUMMARY\***

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;324 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$388320540.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**324** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$388320540.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;324 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$388320540.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**324** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$388320540.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;324 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$388320540.00 | &nbsp;&nbsp;100.00% |

---

13 \| P a g e

![](n5321_amclogo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**324** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$388320540.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.09% | &nbsp;&nbsp;$8633756.00 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;52 | &nbsp;&nbsp;16.05% | &nbsp;&nbsp;$55379393.00 | &nbsp;&nbsp;14.26% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;236 | &nbsp;&nbsp;72.84% | &nbsp;&nbsp;$291849106.00 | &nbsp;&nbsp;75.16% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;26 | &nbsp;&nbsp;8.02% | &nbsp;&nbsp;$32458285.00 | &nbsp;&nbsp;8.36% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**324** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$388320540.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;$5635700.00 | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.47% | &nbsp;&nbsp;$11813766.00 | &nbsp;&nbsp;3.04% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;310 | &nbsp;&nbsp;95.68% | &nbsp;&nbsp;$370871074.00 | &nbsp;&nbsp;95.51% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**324** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$388320540.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;170 | &nbsp;&nbsp;52.47% | &nbsp;&nbsp;$212216545.00 | &nbsp;&nbsp;54.65% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.16% | &nbsp;&nbsp;$7336500.00 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;23 | &nbsp;&nbsp;7.10% | &nbsp;&nbsp;$21916306.00 | &nbsp;&nbsp;5.64% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.09% | &nbsp;&nbsp;$8150000.00 | &nbsp;&nbsp;2.10% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;107 | &nbsp;&nbsp;33.02% | &nbsp;&nbsp;$131605989.00 | &nbsp;&nbsp;33.89% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.16% | &nbsp;&nbsp;$7095200.00 | &nbsp;&nbsp;1.83% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**324** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$388320540.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;293 | &nbsp;&nbsp;90.43% | &nbsp;&nbsp;$346107987.00 | &nbsp;&nbsp;89.13% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;31 | &nbsp;&nbsp;9.57% | &nbsp;&nbsp;$42212553.00 | &nbsp;&nbsp;10.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**324** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$388320540.00** | &nbsp;&nbsp;**100.00%** |

---

\*Tables may not add to 100% due to rounding.

**EXCEPTION DETAIL**

The exception summary below ties to the total number of B and C exceptions for the population included in the Review. Some mortgage loans may be listed multiple times if they carried multiple exception categories even if those categories were within the same general exception category (ex. Disclosures and RESPA Tolerance within Compliance).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, Moody's, and S&P Exceptions** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;11 |

---

14 \| P a g e

![](n5321_amclogo.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance&nbsp;&nbsp;B | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| Notice of Special Flood Hazard Disclosure Not Provided Timely | Compliance B | 1 |
| &nbsp;&nbsp;RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Non-Escrow Costs Year 1 Over disclosed - October 2018 | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient Coverage: Hazard insurance coverage amount is insufficient. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| REO Documents are missing. | Credit C | 1 |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;12 |
| Credit Exception: | Credit B | 7 |
| Title Policy Coverage is less than Original Loan Amount. | Credit B | 2 |
| Housing history reflects lates that do not meet guidelines. | Credit B | 1 |
| Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Property D | 1 |

---

15 \| P a g e

## Exhibit 99.8

**Exhibit 99.8**

![](situsamc_logo.jpg)

**Rating Agency Grades**

**Run Date - 9/22/2025 2:57:59 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 223976947 |  | 3158618271 |  |  | A | B | A | B | A | A | A | A |  |
| 223976948 |  | 3158618275 |  |  | A | A | A | A | A | A | A | A |  |
| 223976949 |  | 3158618279 |  |  | A | A | A | A | A | A | A | A |  |
| 223976950 |  | 3158618284 |  |  | A | B | A | B | A | A | A | A |  |
| 223976951 |  | 3158618286 |  |  | A | B | D | D | A | A | A | A |  |
| 223976952 |  | 3158618289 |  |  | A | B | A | B | A | A | A | A |  |
| 223976953 |  | 3158618290 |  |  | C | B | A | C | A | A | A | A |  |
| 223976954 |  | 3158618299 |  |  | C | C | A | C | A | A | A | A |  |
| 223976955 |  | 3158618300 |  |  | A | A | A | A | A | A | A | A |  |
| 223976956 |  | 3158618305 |  |  | C | A | A | C | A | A | A | A |  |
| 223976957 |  | 3158618306 |  |  | A | A | A | A | A | A | A | A |  |
| 223976958 |  | 3158618309 |  |  | A | B | A | B | A | A | A | A |  |
| 223976959 |  | 3158618311 |  |  | A | B | A | B | A | A | A | A |  |
| 223976960 |  | 3158618312 |  |  | A | A | A | A | A | A | A | A |  |
| 223976961 |  | 3158618316 |  |  | A | A | A | A | A | A | A | A |  |
| 223976962 |  | 3158618318 |  |  | A | A | A | A | A | A | A | A |  |
| 223976963 |  | 3158618319 |  |  | C | A | A | C | A | A | A | A |  |
| 223976964 |  | 3158618328 |  |  | A | A | A | A | A | A | A | A |  |
| 223976965 |  | 3158618329 |  |  | C | C | A | C | A | A | A | A |  |
| 223976966 |  | 3158618333 |  |  | A | C | A | C | A | A | A | A |  |
| 223976967 |  | 3158618334 |  |  | C | A | A | C | A | A | A | A |  |
| 223976968 |  | 3158618335 |  |  | A | A | A | A | A | A | A | A |  |
| 223976969 |  | 3158618339 |  |  | A | A | A | A | A | A | A | A |  |
| 223976970 |  | 3158618342 |  |  | A | C | A | C | A | B | A | B |  |
| 223976971 |  | 3158618345 |  |  | A | B | A | B | A | A | A | A |  |
| 223976972 |  | 3158618346 |  |  | A | C | A | C | A | B | A | B |  |
| 223976973 |  | 3158618347 |  |  | A | B | A | B | A | A | A | A |  |
| 223976974 |  | 3158618350 |  |  | A | B | A | B | A | B | A | B |  |
| 223976975 |  | 3158618351 |  |  | A | A | A | A | A | A | A | A |  |
| 223976976 |  | 3158618352 |  |  | A | C | A | C | A | A | A | A |  |
| 223976977 |  | 3158618353 |  |  | A | A | A | A | A | A | A | A |  |
| 223976978 |  | 3158618358 |  |  | A | A | A | A | A | A | A | A |  |
| 223976979 |  | 3158618359 |  |  | A | A | A | A | A | A | A | A |  |
| 223976980 |  | 3158618363 |  |  | A | A | A | A | A | A | A | A |  |
| 223976981 |  | 3158618364 |  |  | A | A | A | A | A | A | A | A |  |
| 223976982 |  | 3158618366 |  |  | A | A | A | A | A | A | A | A |  |
| 223976983 |  | 3158618367 |  |  | A | A | A | A | A | A | A | A |  |
| 223976984 |  | 3158618369 |  |  | A | A | A | A | A | A | A | A |  |
| 223976985 |  | 3158618372 |  |  | A | A | A | A | A | A | A | A |  |
| 223976986 |  | 3158618373 |  |  | A | C | A | C | A | B | A | B |  |
| 223976987 |  | 3158618375 |  |  | A | C | A | C | A | A | A | A |  |
| 223976988 |  | 3158618380 |  |  | A | B | A | B | A | A | A | A |  |
| 223976989 |  | 3158618381 |  |  | A | A | A | A | A | A | A | A |  |
| 223976990 |  | 3158618382 |  |  | C | A | A | C | A | A | A | A |  |
| 223976991 |  | 3158618385 |  |  | A | A | A | A | A | A | A | A |  |
| 223976992 |  | 3158618386 |  |  | A | C | A | C | A | A | A | A |  |
| 223976993 |  | 3158618388 |  |  | A | A | A | A | A | A | A | A |  |
| 223976994 |  | 3158618389 |  |  | A | A | A | A | A | A | A | A |  |
| 223976995 |  | 3158618391 |  |  | A | A | A | A | A | A | A | A |  |
| 223976996 |  | 3158618393 |  |  | A | A | A | A | A | A | A | A |  |
| 223976997 |  | 3158618395 |  |  | C | A | A | C | A | A | A | A |  |
| 223976998 |  | 3158618398 |  |  | A | A | A | A | A | A | A | A |  |
| 223976999 |  | 3158618399 |  |  | A | A | A | A | A | A | A | A |  |
| 223977000 |  | 3158618400 |  |  | A | A | A | A | A | A | A | A |  |
| 223977001 |  | 3158618402 |  |  | A | B | A | B | A | A | A | A |  |
| 223977002 |  | 3158618405 |  |  | A | A | A | A | A | A | A | A |  |
| 223977003 |  | 3158618406 |  |  | A | B | A | B | A | A | A | A |  |
| 223977004 |  | 3158618407 |  |  | A | A | A | A | A | A | A | A |  |
| 223977005 |  | 3158618412 |  |  | A | A | A | A | A | A | A | A |  |
| 223977006 |  | 3158618413 |  |  | A | A | A | A | A | A | A | A |  |
| 223977007 |  | 3158618414 |  |  | A | C | A | C | A | A | A | A |  |
| 223977008 |  | 3158618416 |  |  | A | B | A | B | A | A | A | A |  |
| 223977009 |  | 3158618425 |  |  | A | A | A | A | A | A | A | A |  |
| 223977010 |  | 3158618426 |  |  | A | A | A | A | A | A | A | A |  |
| 223977011 |  | 3158618428 |  |  | A | C | A | C | A | A | A | A |  |
| 223977012 |  | 3158618432 |  |  | A | B | A | B | A | A | A | A |  |
| 223977013 |  | 3158618433 |  |  | A | A | A | A | A | A | A | A |  |
| 223977014 |  | 3158618435 |  |  | A | A | A | A | A | A | A | A |  |
| 223977015 |  | 3158618438 |  |  | C | C | D | D | A | A | A | A |  |
| 223977016 |  | 3158618444 |  |  | B | A | A | B | A | A | A | A |  |
| 223977017 |  | 3158618445 |  |  | A | A | A | A | A | A | A | A |  |
| 223977018 |  | 3158618446 |  |  | A | B | A | B | A | A | A | A |  |
| 223977019 |  | 3158618448 |  |  | A | B | A | B | A | A | A | A |  |
| 223977020 |  | 3158618449 |  |  | A | B | A | B | A | A | A | A |  |
| 223977021 |  | 3158618450 |  |  | A | A | A | A | A | A | A | A |  |
| 223977022 |  | 3158618451 |  |  | A | A | A | A | A | A | A | A |  |
| 223977023 |  | 3158618452 |  |  | C | B | A | C | A | A | A | A |  |
| 223977024 |  | 3158618457 |  |  | C | A | A | C | A | A | A | A |  |
| 223977025 |  | 3158618458 |  |  | A | A | A | A | A | A | A | A |  |
| 223977026 |  | 3158618459 |  |  | C | B | A | C | A | A | A | A |  |
| 223977027 |  | 3158618463 |  |  | A | A | A | A | A | A | A | A |  |
| 223977028 |  | 3158618465 |  |  | A | A | A | A | A | A | A | A |  |
| 223977029 |  | 3158618467 |  |  | A | A | A | A | A | A | A | A |  |
| 223977030 |  | 3158618468 |  |  | A | A | A | A | A | A | A | A |  |
| 223977031 |  | 3158618469 |  |  | A | A | A | A | A | A | A | A |  |
| 223977032 |  | 3158618470 |  |  | C | C | A | C | A | A | A | A |  |
| 223977033 |  | 3158618472 |  |  | C | B | A | C | B | B | A | B |  |
| 223977034 |  | 3158618473 |  |  | A | B | A | B | A | A | A | A |  |
| 223977035 |  | 3158618474 |  |  | A | A | A | A | A | A | A | A |  |
| 223977036 |  | 3158618475 |  |  | A | A | A | A | A | A | A | A |  |
| 223977037 |  | 3158618481 |  |  | A | B | A | B | A | A | A | A |  |
| 223977038 |  | 3158618485 |  |  | A | A | A | A | A | A | A | A |  |
| 223977039 |  | 3158618487 |  |  | C | B | A | C | A | A | A | A |  |
| 223977040 |  | 3158618488 |  |  | A | A | A | A | A | A | A | A |  |
| 223977041 |  | 3158618493 |  |  | A | C | A | C | A | C | A | C |  |
| 223977042 |  | 3158618495 |  |  | A | C | A | C | A | A | A | A |  |
| 223977043 |  | 3158618497 |  |  | A | B | A | B | A | A | A | A |  |
| 223977044 |  | 3158618498 |  |  | A | C | A | C | A | A | A | A |  |
| 223977045 |  | 3158618500 |  |  | C | C | A | C | A | A | A | A |  |
| 223977046 |  | 3158618501 |  |  | A | A | A | A | A | A | A | A |  |
| 223977047 |  | 3158618504 |  |  | A | A | A | A | A | A | A | A |  |
| 223977048 |  | 3158618506 |  |  | A | B | A | B | A | B | A | B |  |
| 223977049 |  | 3158618507 |  |  | A | A | A | A | A | A | A | A |  |
| 223977050 |  | 3158618509 |  |  | A | A | A | A | A | A | A | A |  |
| 223977051 |  | 3158618510 |  |  | A | A | A | A | A | A | A | A |  |
| 223977052 |  | 3158618511 |  |  | A | A | A | A | A | A | A | A |  |
| 223977053 |  | 3158618513 |  |  | A | A | A | A | A | A | A | A |  |
| 223977054 |  | 3158618514 |  |  | A | A | A | A | A | A | A | A |  |
| 223977055 |  | 3158618515 |  |  | A | A | A | A | A | A | A | A |  |
| 223977056 |  | 3158618516 |  |  | A | A | A | A | A | A | A | A |  |
| 223977057 |  | 3158618517 |  |  | A | C | A | C | A | A | A | A |  |
| 223977058 |  | 3158618527 |  |  | A | A | A | A | A | A | A | A |  |
| 223977059 |  | 3158618528 |  |  | A | A | A | A | A | A | A | A |  |
| 223977060 |  | 3158618529 |  |  | A | C | A | C | A | A | A | A |  |
| 223977061 |  | 3158618530 |  |  | A | A | A | A | A | A | A | A |  |
| 223977062 |  | 3158618533 |  |  | C | A | A | C | A | A | A | A |  |
| 223977063 |  | 3158618534 |  |  | A | C | A | C | A | B | A | B |  |
| 223977064 |  | 3158618538 |  |  | A | A | A | A | A | A | A | A |  |
| 223977065 |  | 3158618541 |  |  | A | A | A | A | A | A | A | A |  |
| 223977066 |  | 3158618542 |  |  | A | A | A | A | A | A | A | A |  |
| 223977067 |  | 3158618545 |  |  | C | B | A | C | C | A | A | C |  |
| 223977068 |  | 3158618547 |  |  | A | C | A | C | A | B | A | B |  |
| 223977069 |  | 3158618548 |  |  | A | A | A | A | A | A | A | A |  |
| 223977070 |  | 3158618552 |  |  | A | A | A | A | A | A | A | A |  |
| 223977071 |  | 3158618553 |  |  | A | A | A | A | A | A | A | A |  |
| 223977072 |  | 3158618554 |  |  | A | C | A | C | A | C | A | C |  |
| 223977073 |  | 3158618555 |  |  | A | C | A | C | A | A | A | A |  |
| 223977074 |  | 3158618559 |  |  | A | A | A | A | A | A | A | A |  |
| 223977075 |  | 3158618562 |  |  | A | A | A | A | A | A | A | A |  |
| 223977076 |  | 3158618563 |  |  | A | B | A | B | A | A | A | A |  |
| 223977077 |  | 3158618565 |  |  | A | B | A | B | A | A | A | A |  |
| 223977078 |  | 3158618566 |  |  | A | A | A | A | A | A | A | A |  |
| 223977079 |  | 3158618568 |  |  | A | B | A | B | A | A | A | A |  |
| 223977080 |  | 3158618570 |  |  | A | A | A | A | A | A | A | A |  |
| 223977081 |  | 3158618574 |  |  | A | A | A | A | A | A | A | A |  |
| 223977082 |  | 3158618575 |  |  | A | B | A | B | A | A | A | A |  |
| 223977083 |  | 3158618576 |  |  | A | A | A | A | A | A | A | A |  |
| 223977084 |  | 3158618578 |  |  | A | A | A | A | A | A | A | A |  |
| 223977085 |  | 3158618579 |  |  | B | A | A | B | B | A | A | B |  |
| 223977086 |  | 3158618580 |  |  | C | B | A | C | A | B | A | B |  |
| 223977087 |  | 3158618584 |  |  | A | A | A | A | A | A | A | A |  |
| 223977088 |  | 3158618585 |  |  | A | A | A | A | A | A | A | A |  |
| 223977089 |  | 3158618591 |  |  | A | A | A | A | A | A | A | A |  |
| 223977090 |  | 3158618592 |  |  | A | A | A | A | A | A | A | A |  |
| 223977091 |  | 3158618593 |  |  | A | A | A | A | A | A | A | A |  |
| 223977092 |  | 3158618596 |  |  | A | C | A | C | A | A | A | A |  |
| 223977093 |  | 3158618597 |  |  | A | A | A | A | A | A | A | A |  |
| 223977094 |  | 3158618598 |  |  | A | A | A | A | A | A | A | A |  |
| 223977095 |  | 3158618599 |  |  | A | C | A | C | A | A | A | A |  |
| 223977096 |  | 3158618600 |  |  | A | A | A | A | A | A | A | A |  |
| 223977097 |  | 3158618604 |  |  | A | C | A | C | A | B | A | B |  |
| 223977098 |  | 3158618607 |  |  | A | C | A | C | A | A | A | A |  |
| 223977099 |  | 3158618608 |  |  | C | A | D | D | A | A | A | A |  |
| 223977100 |  | 3158618609 |  |  | A | C | A | C | A | A | A | A |  |
| 223977101 |  | 3158618610 |  |  | D | D | A | D | A | A | A | A |  |
| 223977102 |  | 3158618611 |  |  | C | C | A | C | B | B | A | B |  |
| 223977103 |  | 3158618613 |  |  | A | A | D | D | A | A | A | A |  |
| 223977104 |  | 3158618617 |  |  | A | C | A | C | A | A | A | A |  |
| 223977105 |  | 3158618619 |  |  | A | A | A | A | A | A | A | A |  |
| 223977106 |  | 3158618620 |  |  | C | B | A | C | A | A | A | A |  |
| 223977107 |  | 3158618623 |  |  | D | C | A | D | A | A | A | A |  |
| 223977108 |  | 3158618626 |  |  | C | C | A | C | A | A | A | A |  |
| 223977109 |  | 3158618627 |  |  | A | A | A | A | A | A | A | A |  |
| 223977110 |  | 3158618628 |  |  | C | C | A | C | A | A | A | A |  |
| 223977111 |  | 3158618635 |  |  | A | A | A | A | A | A | A | A |  |
| 223977112 |  | 3158618638 |  |  | B | C | A | C | A | A | A | A |  |
| 223977113 |  | 3158618641 |  |  | A | A | A | A | A | A | A | A |  |
| 223977114 |  | 3158618642 |  |  | A | A | A | A | A | A | A | A |  |
| 223977115 |  | 3158618643 |  |  | A | A | A | A | A | A | A | A |  |
| 223977116 |  | 3158618644 |  |  | D | D | A | D | A | A | A | A |  |
| 223977117 |  | 3158618646 |  |  | A | C | A | C | A | A | A | A |  |
| 223977118 |  | 3158618647 |  |  | A | A | A | A | A | A | A | A |  |
| 223977119 |  | 3158618649 |  |  | A | C | A | C | A | A | A | A |  |
| 223977120 |  | 3158618651 |  |  | B | C | A | C | B | B | A | B |  |
| 223977121 |  | 3158618654 |  |  | A | C | A | C | A | B | A | B |  |
| 223977122 |  | 3158618655 |  |  | A | A | A | A | A | A | A | A |  |
| 223977123 |  | 3158618662 |  |  | B | A | A | B | A | A | A | A |  |
| 223977124 |  | 3158618668 |  |  | C | A | A | C | A | A | A | A |  |
| 223977125 |  | 3158618670 |  |  | A | A | A | A | A | A | A | A |  |
| 223977126 |  | 3158618671 |  |  | A | A | A | A | A | A | A | A |  |
| 223977127 |  | 3158618673 |  |  | A | C | A | C | A | A | A | A |  |
| 223977128 |  | 3158618675 |  |  | B | C | A | C | B | B | A | B |  |
| 223977129 |  | 3158618676 |  |  | A | A | A | A | A | A | A | A |  |
| 223977130 |  | 3158618677 |  |  | B | C | A | C | B | B | A | B |  |
| 223977131 |  | 3158618679 |  |  | A | C | A | C | A | B | A | B |  |
| 223977132 |  | 3158618680 |  |  | B | B | A | B | B | B | A | B |  |
| 223977133 |  | 3158618682 |  |  | C | A | A | C | A | A | A | A |  |
| 223977134 |  | 3158618685 |  |  | B | C | A | C | B | A | A | B |  |
| 223977135 |  | 3158618687 |  |  | A | C | A | C | A | A | A | A |  |
| 223977136 |  | 3158618688 |  |  | A | A | A | A | A | A | A | A |  |
| 223977137 |  | 3158618689 |  |  | A | C | A | C | B | A | A | B |  |
| 223977138 |  | 3158618690 |  |  | A | C | A | C | A | A | A | A |  |
| 223977139 |  | 3158618692 |  |  | A | A | A | A | A | A | A | A |  |
| 223977140 |  | 3158618696 |  |  | A | B | A | B | A | A | A | A |  |
| 223977141 |  | 3158618697 |  |  | B | A | A | B | B | A | A | B |  |
| 223977142 |  | 3158618698 |  |  | A | A | A | A | A | A | A | A |  |
| 223977143 |  | 3158618700 |  |  | A | A | A | A | A | A | A | A |  |
| 223977144 |  | 3158618702 |  |  | C | C | A | C | C | A | A | C |  |
| 223977145 |  | 3158618703 |  |  | A | C | C | C | A | A | A | A |  |
| 223977146 |  | 3158618704 |  |  | A | A | A | A | A | A | A | A |  |
| 223977147 |  | 3158618705 |  |  | A | A | A | A | A | A | A | A |  |
| 223977148 |  | 3158618706 |  |  | C | C | A | C | A | B | A | B |  |
| 223977149 |  | 3158618707 |  |  | A | C | A | C | A | A | A | A |  |
| 223977150 |  | 3158618708 |  |  | A | A | A | A | A | A | A | A |  |
| 223977151 |  | 3158618712 |  |  | A | B | A | B | A | A | A | A |  |
| 223977152 |  | 3158618713 |  |  | B | C | A | C | B | A | A | B |  |
| 223977153 |  | 3158618718 |  |  | A | A | A | A | A | A | A | A |  |
| 223977154 |  | 3158618720 |  |  | A | A | A | A | A | A | A | A |  |
| 223977155 |  | 3158618721 |  |  | B | C | A | C | B | A | A | B |  |
| 223977156 |  | 3158618727 |  |  | A | A | A | A | A | A | A | A |  |
| 223977157 |  | 3158618731 |  |  | A | A | A | A | A | A | A | A |  |
| 223977158 |  | 3158618733 |  |  | A | C | A | C | A | C | A | C |  |
| 223977159 |  | 3158618734 |  |  | A | C | D | D | A | A | A | A |  |
| 223977160 |  | 3158618735 |  |  | A | C | A | C | A | A | A | A |  |
| 223977161 |  | 3158618736 |  |  | C | C | A | C | A | A | A | A |  |
| 223977162 |  | 3158618737 |  |  | A | A | A | A | A | A | A | A |  |
| 223977163 |  | 3158618739 |  |  | A | C | A | C | A | A | A | A |  |
| 223977164 |  | 3158618742 |  |  | A | C | A | C | A | A | A | A |  |
| 223977165 |  | 3158618743 |  |  | A | C | A | C | A | B | A | B |  |
| 223977166 |  | 3158618745 |  |  | A | C | A | C | A | A | A | A |  |
| 223977167 |  | 3158618749 |  |  | A | A | A | A | A | A | A | A |  |
| 223977168 |  | 3158618750 |  |  | C | B | A | C | B | B | A | B |  |
| 223977169 |  | 3158618752 |  |  | A | A | A | A | A | A | A | A |  |
| 223977170 |  | 3158618754 |  |  | A | C | A | C | A | A | A | A |  |
| 223977171 |  | 3158618755 |  |  | A | A | A | A | A | A | A | A |  |
| 223977172 |  | 3158618756 |  |  | C | A | A | C | A | A | A | A |  |
| 223977173 |  | 3158618757 |  |  | C | C | A | C | B | B | A | B |  |
| 223977174 |  | 3158618761 |  |  | C | C | A | C | A | C | A | C |  |
| 223977175 |  | 3158618762 |  |  | A | A | A | A | A | A | A | A |  |
| 223977176 |  | 3158618763 |  |  | B | C | A | C | B | B | A | B |  |
| 223977177 |  | 3158618764 |  |  | A | C | A | C | A | A | A | A |  |
| 223977178 |  | 3158618767 |  |  | A | C | A | C | A | C | A | C |  |
| 223977179 |  | 3158618768 |  |  | A | A | A | A | A | A | A | A |  |
| 223977180 |  | 3158618770 |  |  | A | A | A | A | A | A | A | A |  |
| 223977181 |  | 3158618772 |  |  | A | A | A | A | A | A | A | A |  |
| 223977182 |  | 3158618773 |  |  | C | C | A | C | A | A | A | A |  |
| 223977183 |  | 3158618776 |  |  | A | C | A | C | A | A | A | A |  |
| 223977184 |  | 3158618778 |  |  | A | A | A | A | A | A | A | A |  |
| 223977185 |  | 3158618781 |  |  | A | C | A | C | A | A | A | A |  |
| 223977186 |  | 3158618785 |  |  | A | C | A | C | A | B | A | B |  |
| 223977187 |  | 3158618786 |  |  | A | C | A | C | A | A | A | A |  |
| 223977188 |  | 3158618789 |  |  | C | A | A | C | A | A | A | A |  |
| 223977189 |  | 3158618793 |  |  | A | A | A | A | A | A | A | A |  |
| 223977190 |  | 3158618794 |  |  | A | A | A | A | A | A | A | A |  |
| 223977191 |  | 3158618796 |  |  | A | A | A | A | A | A | A | A |  |
| 223977192 |  | 3158618797 |  |  | A | A | A | A | A | A | A | A |  |
| 223977193 |  | 3158618800 |  |  | A | A | A | A | A | A | A | A |  |
| 223977194 |  | 3158618801 |  |  | A | A | A | A | A | A | A | A |  |
| 223977195 |  | 3158618802 |  |  | A | A | A | A | A | A | A | A |  |
| 223977196 |  | 3158618803 |  |  | C | C | A | C | A | A | A | A |  |
| 223977197 |  | 3158618805 |  |  | A | C | A | C | A | A | A | A |  |
| 223977198 |  | 3158618806 |  |  | A | C | A | C | A | A | A | A |  |
| 223977199 |  | 3158618807 |  |  | A | A | A | A | A | A | A | A |  |
| 223977200 |  | 3158618809 |  |  | A | C | A | C | A | A | A | A |  |
| 223977201 |  | 3158618813 |  |  | B | A | A | B | B | A | A | B |  |
| 223977202 |  | 3158618817 |  |  | B | C | A | C | B | C | A | C |  |
| 223977203 |  | 3158618822 |  |  | A | C | A | C | A | A | A | A |  |
| 223977204 |  | 3158618823 |  |  | A | A | A | A | A | A | A | A |  |
| 223977205 |  | 3158618826 |  |  | B | A | A | B | B | A | A | B |  |
| 223977206 |  | 3158618828 |  |  | B | C | A | C | B | A | A | B |  |
| 223977207 |  | 3158618829 |  |  | A | A | A | A | A | A | A | A |  |
| 223977208 |  | 3158618830 |  |  | A | A | A | A | A | A | A | A |  |
| 223977209 |  | 3158618832 |  |  | A | C | A | C | A | A | A | A |  |
| 223977210 |  | 3158618833 |  |  | A | A | A | A | A | A | A | A |  |
| 223977211 |  | 3158618834 |  |  | A | C | A | C | A | A | A | A |  |
| 223977212 |  | 3158618838 |  |  | A | A | A | A | A | A | A | A |  |
| 223977213 |  | 3158618841 |  |  | A | A | A | A | A | A | A | A |  |
| 223977214 |  | 3158618844 |  |  | A | C | A | C | A | A | A | A |  |
| 223977215 |  | 3158618846 |  |  | A | A | D | D | A | A | D | D |  |
| 223977216 |  | 3158618847 |  |  | A | A | A | A | A | A | A | A |  |
| 223977217 |  | 3158618848 |  |  | A | C | A | C | A | A | A | A |  |
| 223977218 |  | 3158618852 |  |  | A | A | A | A | A | A | A | A |  |
| 223977219 |  | 3158618854 |  |  | B | B | A | B | B | B | A | B |  |
| 223977220 |  | 3158618857 |  |  | A | A | A | A | A | A | A | A |  |
| 223977221 |  | 3158618859 |  |  | A | A | A | A | A | A | A | A |  |
| 223977222 |  | 3158618861 |  |  | A | A | A | A | A | A | A | A |  |
| 223977223 |  | 3158618864 |  |  | A | A | A | A | A | A | A | A |  |
| 223977224 |  | 3158618866 |  |  | A | A | A | A | A | A | A | A |  |
| 223977225 |  | 3158618869 |  |  | A | A | A | A | A | A | A | A |  |
| 223977226 |  | 3158618871 |  |  | A | C | A | C | A | A | A | A |  |
| 223977227 |  | 3158618872 |  |  | A | A | A | A | A | A | A | A |  |
| 223977228 |  | 3158618876 |  |  | A | A | A | A | A | A | A | A |  |
| 223977229 |  | 3158618878 |  |  | B | B | A | B | B | B | A | B |  |
| 223977230 |  | 3158618879 |  |  | A | A | A | A | A | A | A | A |  |
| 223977231 |  | 3158618880 |  |  | A | B | A | B | A | A | A | A |  |
| 223977232 |  | 3158618885 |  |  | A | A | A | A | A | A | A | A |  |
| 223977233 |  | 3158618888 |  |  | A | A | C | C | A | A | A | A |  |
| 223977234 |  | 3158618889 |  |  | A | A | A | A | A | A | A | A |  |
| 223977235 |  | 3158618890 |  |  | C | A | A | C | A | A | A | A |  |
| 223977236 |  | 3158618891 |  |  | A | B | A | B | A | A | A | A |  |
| 223977237 |  | 3158618893 |  |  | A | A | A | A | A | A | A | A |  |
| 223977238 |  | 3158618898 |  |  | A | C | A | C | A | A | A | A |  |
| 223977239 |  | 3158618900 |  |  | A | A | A | A | A | A | A | A |  |
| 223977240 |  | 3158618902 |  |  | A | A | A | A | A | A | A | A |  |
| 223977241 |  | 3158618903 |  |  | C | A | A | C | A | A | A | A |  |
| 223977242 |  | 3158618904 |  |  | A | A | A | A | A | A | A | A |  |
| 223977243 |  | 3158618906 |  |  | A | A | A | A | A | A | A | A |  |
| 223977244 |  | 3158618907 |  |  | A | A | A | A | A | A | A | A |  |
| 223977245 |  | 3158618908 |  |  | A | B | A | B | A | A | A | A |  |
| 223977246 |  | 3158618915 |  |  | A | A | A | A | A | A | A | A |  |
| 223977247 |  | 3158618918 |  |  | A | A | A | A | A | A | A | A |  |
| 223977248 |  | 3158618919 |  |  | A | A | A | A | A | A | A | A |  |
| 223977249 |  | 3158618920 |  |  | A | A | A | A | A | A | A | A |  |
| 223977250 |  | 3158618923 |  |  | A | A | A | A | A | A | A | A |  |
| 223977251 |  | 3158618924 |  |  | A | A | A | A | A | A | A | A |  |
| 223977252 |  | 3158618925 |  |  | A | A | A | A | A | A | A | A |  |
| 223977253 |  | 3158618927 |  |  | A | C | A | C | A | B | A | B |  |
| 223977254 |  | 3158618928 |  |  | A | A | A | A | A | A | A | A |  |
| 223977255 |  | 3158618929 |  |  | A | A | A | A | A | A | A | A |  |
| 223977256 |  | 3158618930 |  |  | A | A | A | A | A | A | A | A |  |
| 223977257 |  | 3158618932 |  |  | A | A | A | A | A | A | A | A |  |
| 223977258 |  | 3158618935 |  |  | A | A | A | A | A | A | A | A |  |
| 223977259 |  | 3158618936 |  |  | A | A | A | A | A | A | A | A |  |
| 223977260 |  | 3158618940 |  |  | A | B | A | B | A | A | A | A |  |
| 223977261 |  | 3158618942 |  |  | A | A | A | A | A | A | A | A |  |
| 223977262 |  | 3158618943 |  |  | A | A | A | A | A | A | A | A |  |
| 223977263 |  | 3158618945 |  |  | A | A | A | A | A | A | A | A |  |
| 223977264 |  | 3158618950 |  |  | A | A | A | A | A | A | A | A |  |
| 223977265 |  | 3158618957 |  |  | A | A | A | A | A | A | A | A |  |
| 223977266 |  | 3158618959 |  |  | A | A | A | A | A | A | A | A |  |
| 223977267 |  | 3158618960 |  |  | A | A | A | A | A | A | A | A |  |
| 223977268 |  | 3158618961 |  |  | A | B | A | B | A | A | A | A |  |
| 223977269 |  | 3158618962 |  |  | A | A | A | A | A | A | A | A |  |
| 223977270 |  | 3158618963 |  |  | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.9

**Exhibit 99.9**

![](situsamc_logo.jpg)

**Exception Grades**

**Run Date - 9/22/2025 2:57:59 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 223976947 |  | 3158618271 |  | 34331402 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 <br> Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did <br> not provide a copy of each valuation to applicant three <br> (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower <br> is not in file. |  |  |  | Reviewer Comment (2025-09-04): e-delivery evidence of <br> appraisal has been received<br>Buyer Comment (2025-09-04): Do Not Concur - please <br> review e-delivery | 09/04/2025 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976950 |  | 3158618284 |  | 34323028 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-08-29): appraisal acknowledgement in file | 08/29/2025 |  |  | 1 B A |  | AR | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976950 |  | 3158618284 |  | 34323030 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain evidence of cure in file. |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | AR | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976951 |  | 3158618286 |  | 34324742 |  | Property | Property - Appraisal | Appraisal Documentation | Property - <br> Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file did not provide a risk score, which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-09-10): CDA received, with a value supporting the original appraised value<br>Buyer Comment (2025-09-10): please review CDA | 09/10/2025 |  |  | 1 D A |  | NY | Primary | Refinance - Rate/Term | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976951 |  | 3158618286 |  | 34324787 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-02): proof of electronic delivery of the appraisal received<br>Buyer Comment (2025-09-02): Do Not Concur - please review E-receipt | 09/02/2025 |  |  | 1 B A |  | NY | Primary | Refinance - Rate/Term | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976951 |  | 3158618286 |  | 34345956 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976951 |  | 3158618286 |  | 34345957 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976951 |  | 3158618286 |  | 34345958 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976951 |  | 3158618286 |  | 34345959 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 A |  | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976952 |  | 3158618289 |  | 34326615 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2025-09-02): appraisal acknowledgement received<br>Buyer Comment (2025-09-02): Do Not Concur - acknowledgment in file | 09/02/2025 |  |  | 1 B A |  | NC | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976953 |  | 3158618290 |  | 34323379 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-02): appraisal acknowledgement received<br>Buyer Comment (2025-09-02): Do Not Concur - please review acknowledgement | 09/02/2025 |  |  | 1 B A |  | LA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976953 |  | 3158618290 |  | 34323391 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted] , and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted] , plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-09-02): [Redacted] shows insurance provider has confirmed that the HOI coverage in place is greater than the replacement cost<br>Buyer Comment (2025-09-02): Please also refer to [Redacted] showing insurance agent provided statement confirming insurance coverage is greater than replacement cost.<br>Reviewer Comment (2025-09-02): "Ordinance or Law Coverage" of $[Redacted] is not an acceptable part of coverage to determine if sufficient coverage is in place<br>Buyer Comment (2025-09-02): Do Not Concur - hazard $[Redacted] plus extended $[Redacted]+ additional coverage $[Redacted]= [Redacted] ([Redacted]% of appraised value ($[Redacted]) is $[Redacted]) | 09/02/2025 |  |  | 1 C A |  | LA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976954 |  | 3158618299 |  | 34331887 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing a copy of Insurance Verification, Tax Verification |  |  |  | Reviewer Comment (2025-09-03): REO documentation in file is acceptable<br>Buyer Comment (2025-09-03): Do Not Concur - please review mortgage statement - Taxes/HOI are escrowed. No rental income was being used | 09/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976954 |  | 3158618299 |  | 34331894 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The Mavent report in file indicates the loan failed QM Points and Fees Limit. |  |  |  | Reviewer Comment (2025-09-04): [Redacted] received evidence of bona fide excludable discount points and itemized seller credit.<br>Buyer Comment (2025-09-04): Please review purchase agreement amendment disclosing seller credit to be applied to closing costs fees<br>Reviewer Comment (2025-09-04): Only doc in file showing updated seller credit of points and fees is an unsigned PCCD. Documentation in file reflects the loan discount was a borrower paid fee (full amount treated as a finance charge), and the seller credit was a general credit not to be applied to any specific fees. The sller CD, the buyer CD, the final CD signed by settlement agent, and Mavent report all show otherwise. Please provide supporting documentation showing how the seller credit was actualy applied at closing, such as an ALTA Final Settlement statement or itemization.. The current ALTA form in file just shows the lump sum seller credit not applied toward any particular fees.<br>Buyer Comment (2025-09-03): Do Not Concur - per correct application of seller paid fees disclosed on Post CD - borrower only paid $[Redacted] in discount points ([Redacted] did not run with correct amount of borrower paid points) | 09/04/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976954 |  | 3158618299 |  | 34331895 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and the post-close tolerance cure provided ($[Redacted]) was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2025-09-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-09-08): [Redacted] received COC for increase in fee due to appraisal received subject to however, as per file the "subject to" 1004 was received on [Redacted] while the fees disclosed on [Redacted] which is not within 3 business days from the date of change received. Please provide more information timeline or cure would be required.<br>Buyer Comment (2025-09-04): CIC<br>Buyer Comment (2025-09-04): The final inspection was scheduled for [Redacted], and the home was expected to be completed<br> once again. (CIC [Redacted] 1st inspection) Since it was not completed, an additional final inspection fee was required, and<br> disclosed on the final CD completed [Redacted].(CIC [Redacted] issued)<br>Reviewer Comment (2025-09-04): [Redacted]: Cure provided on Post CD dated [Redacted] is insufficient to cure for all the citied exception due to the inspection fee increase of $[Redacted] on CD dated [Redacted] without VCCs. Hence, the fee exceeds of $[Redacted] tolerance + appraisal fee increase of $[Redacted]and desk revie fee $[Redacted] moved to seller paid on Post CD dated [Redacted]. Total cure required of $[Redacted]. Provide additional cure of $[Redacted] with cure documents along with required cure documents for refund amount of $[Redacted] or Final Settlement statement to verify the specific lender credit applied to the same.<br>Buyer Comment (2025-09-03): Please review - LOE confirms one final inspection increase and cure provided [Redacted] desk review + [Redacted] inspection increase + [Redacted] appraisal fee increase= [Redacted] | 09/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: <br> Letter of Explanation, Proof of Delivery, Copy <br> of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976954 |  | 3158618299 |  | 34331904 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the QM Points/Fees failure. |  |  |  | Reviewer Comment (2025-09-04): [Redacted] received evidence of bona fide excludable discount points and itemized seller credit. | 09/04/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976954 |  | 3158618299 |  | 34331906 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and the post-close tolerance cure provided ($[Redacted]) was not sufficient to cure all tolerance issues. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received COC dated [Redacted] and LOE for further detail on reason for change.<br>Buyer Comment (2025-09-08): please review description around complexity:<br> from the appraiser due to complexity of the assignment because of upgrades in subject & age that <br> required extensive search outside of normal parameters.<br>Reviewer Comment (2025-09-08): [Redacted] received COC dated [Redacted] for increase in appraisal fee due to complexity but more information is needed on complexity of the property that resulted in increase in cost. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Buyer Comment (2025-09-04): appears we have a valid CIC for each increase<br>Buyer Comment (2025-09-04): CD [Redacted]<br>Buyer Comment (2025-09-04): CD [Redacted] disclosed addition of $[Redacted] final inspection (per letter due to unfinished work-appraisal subject to), $[Redacted] desk review fee and appraisal increase $[Redacted] (per letter due to complexity)<br>Reviewer Comment (2025-09-04): [Redacted]: Cure provided on Post CD dated [Redacted] is insufficient to cure for all the citied exception due to the inspection fee increase of $[Redacted] on CD dated [Redacted] without VCCs. Hence, the fee exceeds of $[Redacted] tolerance + appraisal fee increase of $[Redacted] and desk revie fee $[Redacted] moved to seller paid on Post CD dated [Redacted]. Total cure required of $[Redacted]. Provide additional cure of $[Redacted] with cure documents along with required cure documents for refund amount of $[Redacted] or Final Settlement statement to verify the specific lender credit applied to the same.<br>Buyer Comment (2025-09-03): Do Not Concur - please review lender LOE around appraisal fee and inspection fee increase | 09/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976954 |  | 3158618299 |  | 34391726 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided within 60 Days of Closing |  | 09/09/2025 |  | 1 A |  | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976956 |  | 3158618305 |  | 34323596 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-09-10): RCE received, HOI coverage is sufficient<br>Buyer Comment (2025-09-10): please review RCE | 09/10/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976957 |  | 3158618306 |  | 34323442 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976957 |  | 3158618306 |  | 34323443 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976958 |  | 3158618309 |  | 34331793 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-03): proof of appraisal delivery received<br>Buyer Comment (2025-09-03): DO Not Concur - please review E-Delivery | 09/03/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976959 |  | 3158618311 |  | 34326346 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-10): appraisal receipt received<br>Buyer Comment (2025-09-10): please review receipt | 09/10/2025 |  |  | 1 B A |  | MA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976962 |  | 3158618318 |  | 34359155 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976963 |  | 3158618319 |  | 34323374 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-09-02): flood cert received<br>Buyer Comment (2025-09-02): Do Not Concur - flood cert in file | 09/02/2025 |  |  | 1 C A |  | ME | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976964 |  | 3158618328 |  | 34326327 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided within 60 Days of Closing |  | 08/29/2025 |  | 1 A |  | NJ | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976964 |  | 3158618328 |  | 34327553 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided within 60 Days of Closing |  | 08/29/2025 |  | 1 A |  | NJ | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976965 |  | 3158618329 |  | 34357254 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI of [Redacted]% exceeds [Redacted]% guideline due to deferred student loan payments. The estimated payments included in correspondent's DTI do not reflect [Redacted]% of the unpaid balance as required by guidelines. |  |  |  | Reviewer Comment (2025-09-05): loan meets the [Redacted]% DTI allowance in the guidelines<br>Buyer Comment (2025-09-05): Do Not Concur - [Redacted] UW applied the Audited Max DTI of [Redacted] % per [Redacted]. The [Redacted] % DTI is less than [Redacted]% and within [Redacted]% resubmission tolerance of [Redacted]%. (• LTV <=[Redacted]%: [Redacted]%) | 09/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976965 |  | 3158618329 |  | 34357259 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to DTI exceeding guideline, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-09-05): loan meets the [Redacted]% DTI allowance in the guidelines | 09/05/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976965 |  | 3158618329 |  | 34357260 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to DTI exceeding guideline. |  |  |  | Reviewer Comment (2025-09-05): loan meets the [Redacted]% DTI allowance in the guidelines | 09/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976965 |  | 3158618329 |  | 34357261 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to DTI exceeding guideline. |  |  |  | Reviewer Comment (2025-09-05): loan meets the [Redacted]% DTI allowance in the guidelines | 09/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976966 |  | 3158618333 |  | 34331720 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided within 60 Days of Closing |  | 08/29/2025 |  | 1 A |  | VA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976966 |  | 3158618333 |  | 34331721 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided |  |  |  | Reviewer Comment (2025-09-03): RTC not required for this transaction type<br>Buyer Comment (2025-09-03): Do Not Concur - ROR not required for Refinance due to New Construction | 09/03/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976967 |  | 3158618334 |  | 34331890 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted] and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], and no extended coverage indicated, the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-09-05): RCE received showing existing coverage is sufficient<br>Buyer Comment (2025-09-05): See attached RCE | 09/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976970 |  | 3158618342 |  | 34343578 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Pest Inspection fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-18): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-18): Please review curative doc's attached-proof<br>Buyer Comment (2025-09-18): Please review curative doc's attached-letter<br>Buyer Comment (2025-09-18): Please review curative doc's attached-refund<br>Buyer Comment (2025-09-18): Please review curative doc's attached-PCCD |  | 09/18/2025 |  | 2 C B |  | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976971 |  | 3158618345 |  | 34325008 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2025-08-29): appraisal acknowledgement in file | 08/29/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976972 |  | 3158618346 |  | 34331599 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-03): appraisal acknowledgement received<br>Buyer Comment (2025-09-03): DO Not Concur - appraisal ack in file | 09/03/2025 |  |  | 1 B A |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976972 |  | 3158618346 |  | 34331602 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Pest Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file |  |  |  | Reviewer Comment (2025-09-18): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-18): please review proof attached<br>Buyer Comment (2025-09-18): please review letter<br>Buyer Comment (2025-09-18): Please review curative doc's-check<br>Buyer Comment (2025-09-18): Please review curative doc's - PCCD<br>Reviewer Comment (2025-09-04): [Redacted] received valid rebuttal comment. However, we also required attestation comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen or if it is optional fee and not required by lender then provider corrected PCCD is issued with an LOE to move the fee from Section C to H. Otherwise a Cure is required to borrower.<br>Buyer Comment (2025-09-03): Per LOE third party fee(s) required by title - title company chose providers - borrower shopped for title company - fees should be considered shopped |  | 09/18/2025 |  | 2 C B |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976972 |  | 3158618346 |  | 34331603 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file |  |  |  | Reviewer Comment (2025-09-04): [Redacted] received attestation letter from the seller, and it was confirmed that the Survey fee service was shopped by the borrower and not selected the provider from the list.<br>Buyer Comment (2025-09-03): DO Not Concur - please review LOE around survey fee | 09/04/2025 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976973 |  | 3158618347 |  | 34327273 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of second appraisal nor compliant acknowledgment of receipt signed at closing provided. Email documenting delivery was sent to borrower on [Redacted], however, appraisal provided for review is dated [Redacted]. |  |  |  | Reviewer Comment (2025-09-02): appraisal acknowledgement received<br>Buyer Comment (2025-09-02): Do Not Concur - please see acknowledgement | 09/02/2025 |  |  | 1 B A |  | WA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976974 |  | 3158618350 |  | 34331354 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-03): appraisal acknowledgement form received<br>Buyer Comment (2025-09-03): Do Not Concur - appraisal ack in file | 09/03/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976974 |  | 3158618350 |  | 34331358 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided within 60 Days of Closing |  | 08/29/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976974 |  | 3158618350 |  | 34342341 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Review of the Title and the Note indicates the loan was a same lender refinance. |  |  |  | Reviewer Comment (2025-09-03): client has accepted EV2 condition<br>Buyer Comment (2025-09-03): EV2 accepted |  |  | 09/03/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976976 |  | 3158618352 |  | 34355102 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | Closing Disclosure issued on [Redacted] is considered the final CD. Escrowed Property Costs over Year 1 disclosed on page [Redacted] of the document does not reflect final escrowed costs. Data was updated on post-closing CD issued on [Redacted]. |  |  |  | Reviewer Comment (2025-09-05): PCCD resolved this issue | 09/05/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976976 |  | 3158618352 |  | 34355104 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Closing Disclosure issued on [Redacted] is considered the final CD. Non Escrowed Property Costs over Year 1 disclosed on page [Redacted] of the document does not reflect final non-escrowed costs. Data was updated on post-closing CD issued on [Redacted]. |  |  |  | Reviewer Comment (2025-09-05): PCCD resolved this issue | 09/05/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976976 |  | 3158618352 |  | 34355107 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided within 60 Days of Closing |  | 09/04/2025 |  | 1 A |  | FL | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976976 |  | 3158618352 |  | 34355108 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided within 60 Days of Closing |  | 09/04/2025 |  | 1 A |  | FL | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976976 |  | 3158618352 |  | 34355109 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided within 60 Days of Closing |  | 09/04/2025 |  | 1 A |  | FL | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976977 |  | 3158618353 |  | 34342297 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | FL | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976977 |  | 3158618353 |  | 34342298 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | FL | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976981 |  | 3158618364 |  | 34333643 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | DE | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976986 |  | 3158618373 |  | 34342612 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-04): appraisal acknowledgement form received<br>Buyer Comment (2025-09-04): Do Not Concur - appraisal ack. in file | 09/04/2025 |  |  | 1 B A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976986 |  | 3158618373 |  | 34342613 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | The appraisal indicated HOA dues of $[Redacted]/yr; however, the final Closing Disclosure did not reflect any amount of Non-Escrowed Property Costs over Year 1 on page [Redacted]. |  |  |  | Reviewer Comment (2025-09-04): supporting documentation reviewed, final CD is accurate for non-escrowed fees within first year<br>Buyer Comment (2025-09-04): Do Not Concur - sales contract appears to confirm seller paying any balance due - no non escrow charges would be assessed to borrower within the 1st year - lender credit to hoa also disclosed on CD | 09/04/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976986 |  | 3158618373 |  | 34342614 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit Fee changed to $-[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-09-11): [Redacted] received Corrected PCCD, Letter of Explanation, and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-09-09): Could you please escalate this for further review? The initial Loan Estimate (LE) disclosed a lender credit of $[Redacted]. On the Final Closing Disclosure (CD), the lender credit was disclosed as $[Redacted] (with a cure of $[Redacted] included) . The lender credit of $[Redacted] was established prior to the $[Redacted] tolerance violation that occurred on the Final CD. In the absence of a valid Change in Circumstance, the lender credit should have remained at $[Redacted] , with the cure of $[Redacted] added, resulting in a total of $[Redacted] as reflected on the Post-Closing Closing Disclosure (PCCD) and cure documentation provided.<br>Reviewer Comment (2025-09-09): [Redacted] : Cure provided on post CD is insufficient to cure for all the citing [Redacted]% and lender credit exception. Hence, we also required additional cure of $[Redacted] with cure documents in order to cure this exception.<br>Buyer Comment (2025-09-08): DO Not Concur - PCCD appears to correctly disclose lender credit refund - original cure [Redacted] (for 10% tolerance) and increase to establish the original $[Redacted] lender credit ([Redacted]+[Redacted]) the final complete lender credit correctly reflects $[Redacted]<br>Reviewer Comment (2025-09-08): [Redacted] received PCCD, LOE and copy of refund check, however PCCD showing cure amount of $[Redacted] whereas it should be $[Redacted] . Please provide corrected PCCD to cure the exception.<br>Buyer Comment (2025-09-05): See PCCD, refund check, LOE<br>Buyer Comment (2025-09-05): Please review evidence for curative documentation attached |  | 09/11/2025 |  | 2 C B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976986 |  | 3158618373 |  | 34342616 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-09-11): [Redacted] received Corrected PCCD, Letter of Explanation, and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-09-09): [Redacted] : Cure provided on post CD is insufficient to cure for all the citing [Redacted]% and lender credit exception. Hence, we also required additional cure of $[Redacted]with cure documents in order to cure this exception.<br>Buyer Comment (2025-09-08): Do not concur [Redacted] disclosed on final cd to cure [Redacted]% tolerance<br>Reviewer Comment (2025-09-08): [Redacted] received PCCD, LOE and copy of refund check, however PCCD showing cure amount of $[Redacted] whereas it should be $[Redacted]. Please provide corrected PCCD to cure the exception.<br>Buyer Comment (2025-09-05): See attached PCCD, refund check, letter to borrower<br>Buyer Comment (2025-09-05): PCCD letter, refund attached |  | 09/11/2025 |  | 2 C B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976987 |  | 3158618375 |  | 34342658 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation in file indicates delivery to the borrower [Redacted]; however, there is no documentation of borrower receipt and the presumed receipt date would not have been prior to closing. |  |  |  | Reviewer Comment (2025-09-04): appraisal acknowledgement received<br>Buyer Comment (2025-09-04): DO Not concur - please review | 09/04/2025 |  |  | 1 B A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976987 |  | 3158618375 |  | 34342660 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Credit Report Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-16): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-09-12): Please review Letter of explanation attached; Loan Estimate includes 60 day verbiage- you may receive a revised Loan Estimate at any time prior to 60 days before consummation | 09/16/2025 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976988 |  | 3158618380 |  | 34343265 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Documentation in file indicated the date the valuation was provided to applicant was [Redacted] which is prior to valuation report date [Redacted]. |  |  |  | Reviewer Comment (2025-09-03): proof of appraisal receipt by borrower is acceptable<br>Buyer Comment (2025-09-03): Do Not Concur - initial appraisal disclosed Effective Date [Redacted] and Signature date [Redacted] - borrower confirmed [Redacted] is acceptable - subsequent. appraisal not required to be received by borrower | 09/03/2025 |  |  | 1 B A |  | TX | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976990 |  | 3158618382 |  | 34341971 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal did not indicate the estimated cost new and has an appraised value of $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-09-09): RCE received, showing existing HOI coverage is sufficient<br>Buyer Comment (2025-09-09): please review RCE | 09/09/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976991 |  | 3158618385 |  | 34325598 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976992 |  | 3158618386 |  | 34331446 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-22): additional information regarding appraisal fee change received and is acceptable<br>Buyer Comment (2025-09-19): Please review uploaded email communication from Correspondent that states "Appraisers are picked randomly after the LE is delivered and ITP provided- this random appraiser decided to charge an extra [Redacted] for the loan amount and quick turn time- and the borrower agreed to the terms, so it was redisclosed as such"<br>Reviewer Comment (2025-09-04): [Redacted] received COC dated [Redacted] stating "Appraisal increased due to JUMBO". However, the loan amount did not increase from initial LE [Redacted].and we would require additional information why it was not charged from initial. Kindly provide additional information in order to support the reason as per the COC or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-09-03): Do Not Concur - please review valid CIC | 09/22/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223976997 |  | 3158618395 |  | 34333885 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The latest dated appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2025-09-15): PDI received, with inspection date of [Redacted], with no damage reported on the property<br>Buyer Comment (2025-09-15): Please review PDI | 09/15/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223976997 |  | 3158618395 |  | 34341958 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977001 |  | 3158618402 |  | 34331851 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-03): appraisal acknowledgement form received<br>Buyer Comment (2025-09-03): Do Not Concur - please review ack. | 09/03/2025 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977002 |  | 3158618405 |  | 34356341 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977002 |  | 3158618405 |  | 34356342 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977003 |  | 3158618406 |  | 34335405 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of updated appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-03): appraisal acknowledgement form received<br>Buyer Comment (2025-09-03): Do Not Concur - please review acknowledgement | 09/03/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977003 |  | 3158618406 |  | 34335406 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977003 |  | 3158618406 |  | 34335407 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977006 |  | 3158618413 |  | 34356702 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company (Service Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977006 |  | 3158618413 |  | 34356703 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977007 |  | 3158618414 |  | 34345813 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Pest Inspection fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-22): Attestation received showing this was not required by the lender or title company, but an election by the borrower.<br>Buyer Comment (2025-09-22): Please review uploaded explanation with excerpt from sales contract. Pest inspection was borrower chosen.<br>Reviewer Comment (2025-09-16): [Redacted] received LOE, however we are unable to determine from the file whether the lender or title company required the pest inspection fee. If the lender required, the pest inspection fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-09-12): See attached LOE | 09/22/2025 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977008 |  | 3158618416 |  | 34333462 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2025-09-03): appraisal receipt by borrower has been received<br>Buyer Comment (2025-09-03): See attached Appraisal receipt. | 09/03/2025 |  |  | 1 B A |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977008 |  | 3158618416 |  | 34333468 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977011 |  | 3158618428 |  | 34335383 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | HOA dues are indicated to be $[Redacted]/yr; however, the final Closing Disclosure indicated non-escrowed property costs over year 1 of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-04): HOA documentation received, matching the final CD<br>Buyer Comment (2025-09-04): 1008 attached<br>Buyer Comment (2025-09-04): Please review evidence of HOA attached | 09/04/2025 |  |  | 1 C A |  | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977012 |  | 3158618432 |  | 34346746 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Neither evidence of delivery of updated appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-04): appraisal receipt received<br>Buyer Comment (2025-09-04): See attached Appraisal receipt | 09/04/2025 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977013 |  | 3158618433 |  | 34334826 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977014 |  | 3158618435 |  | 34350163 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 A |  | ID | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977015 |  | 3158618438 |  | 34346190 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP SSR in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-09-08): CDA received with value supporting the original appraised value<br>Buyer Comment (2025-09-08): See attached CDA | 09/08/2025 |  |  | 1 D A |  | NJ | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977015 |  | 3158618438 |  | 34346204 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of preliminary appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-04): appraisal acknowledgement received<br>Buyer Comment (2025-09-04): See attached Appraisal acknowledgement | 09/04/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977015 |  | 3158618438 |  | 34351119 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | The VVOE form dated [Redacted] indicates that the verification was obtained from The Work Number, however, the third party documentation is not provided. The prior third party verification was obtained on [Redacted], which is more than 10 business days prior to the Note date. |  |  |  | Reviewer Comment (2025-09-04): sufficient income documentation is in file<br>Buyer Comment (2025-09-04): The work number is referring to an automated system used to verify employment by the processor through calling the employer. The VVOE confirms employment was active on [Redacted]. | 09/04/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977015 |  | 3158618438 |  | 34351131 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of updated appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-04): appraisal acknowledgement received<br>Buyer Comment (2025-09-04): See attached Appraisal acknowledgement | 09/04/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977015 |  | 3158618438 |  | 34351132 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VOE for co-borrower obtained within 10 business days prior to Note date, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-09-04): sufficient income documentation is in file<br>Buyer Comment (2025-09-04): The work number is referring to an automated system used to verify employment by the processor through calling the employer. The VVOE confirms employment was active on [Redacted]. | 09/04/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977015 |  | 3158618438 |  | 34351133 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VOE for co-borrower obtained within 10 business days prior to Note date. |  |  |  | Reviewer Comment (2025-09-04): sufficient income documentation is in file<br>Buyer Comment (2025-09-04): The work number is referring to an automated system used to verify employment by the processor through calling the employer. The VVOE confirms employment was active on [Redacted]. | 09/04/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977015 |  | 3158618438 |  | 34351155 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The VVOE form for the co-borrower dated [Redacted] indicates that the verification was obtained from The Work Number, however, the third party documentation is not provided. The prior third party verification was obtained on [Redacted], which is more than 10 business days prior to the Note date. |  |  |  | Reviewer Comment (2025-09-04): sufficient income documentation is in file<br>Buyer Comment (2025-09-04): The work number is referring to an automated system used to verify employment by the processor through calling the employer. The VVOE confirms employment was active on [Redacted]. | 09/04/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977015 |  | 3158618438 |  | 34351165 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing VOE for co-borrower obtained within 10 business days prior to Note date. |  |  |  | Reviewer Comment (2025-09-04): sufficient income documentation is in file<br>Buyer Comment (2025-09-04): The work number is referring to an automated system used to verify employment by the processor through calling the employer. The VVOE confirms employment was active on [Redacted]. | 09/04/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977016 |  | 3158618444 |  | 34351768 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Provide a supplemental title commitment or final title policy with loan amount coverage equal to the Note amount. |  |  |  | Reviewer Comment (2025-09-12): updated title commitment with coverage amount matching the loan amount has been received<br>Buyer Comment (2025-09-12): See attached TP | 09/12/2025 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977018 |  | 3158618446 |  | 34345286 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of updated appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-04): appraisal receipt received<br>Buyer Comment (2025-09-04): See attached Appraisal receipt | 09/04/2025 |  |  | 1 B A |  | SD | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977018 |  | 3158618446 |  | 34350807 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided within 60 Days of Closing |  | 09/03/2025 |  | 1 A |  | SD | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977019 |  | 3158618448 |  | 34347930 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-05): appraisal receipt received<br>Buyer Comment (2025-09-05): see attached appraisal receipt | 09/05/2025 |  |  | 1 B A |  | FL | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977020 |  | 3158618449 |  | 34342653 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2025-09-04): appraisal receipt received<br>Buyer Comment (2025-09-04): See attached Appraisal receipt | 09/04/2025 |  |  | 1 B A |  | UT | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977020 |  | 3158618449 |  | 34342655 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided within 60 Days of Closing |  | 09/02/2025 |  | 1 A |  | UT | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977023 |  | 3158618452 |  | 34345362 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation in file indicates the appraisal was provided on [Redacted]; however, there is no evidence of the receipt date and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-09-05): appraisal receipt has been received<br>Buyer Comment (2025-09-05): see attached Appraisal receipt | 09/05/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977023 |  | 3158618452 |  | 34350892 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS results required by program missing from file. |  |  |  | Reviewer Comment (2025-09-04): AUS received<br>Buyer Comment (2025-09-04): See attached LP/AUS | 09/04/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977024 |  | 3158618457 |  | 34351191 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The latest property inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2025-09-05): PDI received, showing no damage to the property with inspection date of [Redacted] | 09/05/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977026 |  | 3158618459 |  | 34350238 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-08): appraisal receipt receipted<br>Buyer Comment (2025-09-08): see attached appraisal receipt. | 09/08/2025 |  |  | 1 B A |  | CO | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977026 |  | 3158618459 |  | 34359328 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the estimated cost new is not disclosed on the appraisal. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. Extended coverage is not disclosed. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-09-08): insurance company RCE received and shows the HOI coverage is sufficient.<br>Buyer Comment (2025-09-08): See attached RCE | 09/08/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977029 |  | 3158618467 |  | 34357517 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977032 |  | 3158618470 |  | 34355416 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification of employment is not within 10 business days of the Note. |  |  |  | Reviewer Comment (2025-09-08): VVOE within 10 days of closing has been received<br>Buyer Comment (2025-09-08): See attached VOE verified on [Redacted] which is dated within 10 days of the Note date. | 09/08/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977032 |  | 3158618470 |  | 34366085 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall condition for missing a VVOE within 10 days of closing. |  |  |  | Reviewer Comment (2025-09-08): VVOE within 10 days of closing has been received<br>Buyer Comment (2025-09-08): See attached VOE | 09/08/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977032 |  | 3158618470 |  | 34366089 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall condition for missing a VVOE within 10 days of closing. |  |  |  | Reviewer Comment (2025-09-08): VVOE within 10 days of closing has been received<br>Buyer Comment (2025-09-08): See attached VOE | 09/08/2025 |  |  | 1 B A C |  | TX | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977032 |  | 3158618470 |  | 34366090 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall condition for missing a VVOE within 10 days of closing. |  |  |  | Reviewer Comment (2025-09-08): VVOE within 10 days of closing has been received<br>Buyer Comment (2025-09-08): See attached VOE | 09/08/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977032 |  | 3158618470 |  | 34366096 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall condition for missing a VVOE within 10 days of closing. |  |  |  | Reviewer Comment (2025-09-08): VVOE within 10 days of closing has been received<br>Buyer Comment (2025-09-08): See attached VOE | 09/08/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977033 |  | 3158618472 |  | 34347936 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-09-11): RCE received showing HOI coverage is sufficient<br>Buyer Comment (2025-09-11): see attached RCE<br>Reviewer Comment (2025-09-05): Other Structures coverage doesn't apply to this property, as there is no detached garage or other structure to be covered.<br>Buyer Comment (2025-09-05): Please re-review: There is sufficient coverage, including $[Redacted] for other structures, which is part of the dwelling coverage. | 09/11/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977033 |  | 3158618472 |  | 34358503 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI is approved. Customers purchasing primary; loan is $[Redacted] with [Redacted]% LTV/CLTV, 45% DTI. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-04): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/04/2025 | 2 B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977033 |  | 3158618472 |  | 34358512 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI is approved. Customers purchasing primary; loan is $[Redacted] with [Redacted]% LTV/CLTV, 45% DTI. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-04): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/04/2025 | 2 B |  | SC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977034 |  | 3158618473 |  | 34350578 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation in file indicates delivery on [Redacted]; however, there is no evidence of receipt and the presumed receipt date would been after the closing date. |  |  |  | Reviewer Comment (2025-09-04): receipt of appraisal received<br>Buyer Comment (2025-09-04): See attached Appraisal receipt | 09/04/2025 |  |  | 1 B A |  | GA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977037 |  | 3158618481 |  | 34347823 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-05): appraisal receipt received<br>Buyer Comment (2025-09-05): see attached appraisal receipt. | 09/05/2025 |  |  | 1 B A |  | NV | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977039 |  | 3158618487 |  | 34350280 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing copy of Tax Verification. |  |  |  | Reviewer Comment (2025-09-05): REO documentation received<br>Buyer Comment (2025-09-05): see attached appraisal receipt<br>Buyer Comment (2025-09-05): see attached Mortgage statement/REO | 09/05/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977039 |  | 3158618487 |  | 34350307 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-05): appraisal e-delivery confirmation received | 09/05/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977041 |  | 3158618493 |  | 34358055 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-08): appraisal acknowledgement received<br>Buyer Comment (2025-09-08): Please review uploaded appraisal acknowledgement. | 09/08/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977041 |  | 3158618493 |  | 34358057 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-22): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (7506)<br>Reviewer Comment (2025-09-22): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-19): Please review uploaded CIC and LE.<br>Reviewer Comment (2025-09-10): [Redacted] received rebuttal comment. As per file the Appraisal fee disclosed as $[Redacted] and Appraisal Review fee as $[Redacted] on initial LE on initial CD shows appraisal fee increased to $[Redacted] while appraisal review fee remained unchanged. Combination of both fees would be $[Redacted]. Moreover, as per invoice (D0548) the appraisal fee is $[Redacted] seems appraisal review fee was not charged on loan. Both fees are separate and used for different purposes combining fee is not a valid change and also as there is no separate property inspection report in file. Cure would be required.<br>Buyer Comment (2025-09-08): Do not concur. The $[Redacted] Appraisal Fee and $[Redacted] Appraisal Review Fee were combined into one fee on the Final CD. |  |  |  | 3 C |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977042 |  | 3158618495 |  | 34357410 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | Appraisal indicates HOA dues of $[Redacted] annually, and these dues are not escrowed. The final CD indicates non-escrowed fees for the first year to be $[Redacted]. |  |  |  | Reviewer Comment (2025-09-05): PCCD corrected the fee to $[Redacted], which is equal to the HOA dues. | 09/05/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977043 |  | 3158618497 |  | 34357946 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing verification of appraisal delivery to the borrower. |  |  |  | Reviewer Comment (2025-09-08): appraisal acknowledgement received<br>Buyer Comment (2025-09-08): Please review uploaded appraisal acknowledgement. | 09/08/2025 |  |  | 1 B A |  | MN | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977044 |  | 3158618498 |  | 34356434 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-11): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-10): Please review uploaded LOE. | 09/11/2025 |  |  | 1 C A |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977045 |  | 3158618500 |  | 34347174 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of updated appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-05): appraisal acknowledgement form received<br>Buyer Comment (2025-09-05): Please review uploaded appraisal acknowledgement. | 09/05/2025 |  |  | 1 B A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977045 |  | 3158618500 |  | 34347345 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Missing verification of employment for co-borrower obtained within 10 business days of Note date. |  |  |  | Reviewer Comment (2025-09-05): co-borrower VVOE received<br>Buyer Comment (2025-09-05): Please review uploaded VOE. | 09/05/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977045 |  | 3158618500 |  | 34347346 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Missing verification of employment for co-borrower obtained within 10 business days of Note date. |  |  |  | Reviewer Comment (2025-09-05): co-borrower VVOE received<br>Buyer Comment (2025-09-05): Please review uploaded VOE. | 09/05/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977045 |  | 3158618500 |  | 34352212 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of employment for co-borrower obtained within 10 business days of Note date. |  |  |  | Reviewer Comment (2025-09-05): co-borrower VVOE received<br>Buyer Comment (2025-09-05): Please review uploaded VOE. | 09/05/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977045 |  | 3158618500 |  | 34352219 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing verification of employment for co-borrower, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-09-05): co-borrower VVOE received<br>Buyer Comment (2025-09-05): Please review uploaded VOE. | 09/05/2025 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977045 |  | 3158618500 |  | 34352220 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing verification of employment for co-borrower. |  |  |  | Reviewer Comment (2025-09-05): co-borrower VVOE received<br>Buyer Comment (2025-09-05): Please review uploaded VOE. | 09/05/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977045 |  | 3158618500 |  | 34352222 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing verification of employment for co-borrower. |  |  |  | Reviewer Comment (2025-09-05): co-borrower VVOE received<br>Buyer Comment (2025-09-05): Please review uploaded VOE. | 09/05/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977048 |  | 3158618506 |  | 34354861 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | The disclosure was issued on [Redacted], which is less than 10 calendar days prior to closing ([Redacted]). |  |  |  | Reviewer Comment (2025-09-08): client accepts EV2 condition<br>Buyer Comment (2025-09-08): Accepting EV2<br>Reviewer Comment (2025-09-08): FDPA does not provide an exclusion for fast closings, therefore the 10 day rule does apply. This is an EV2 condition.<br>Buyer Comment (2025-09-08): Do not concur. Disclosure was provided on [Redacted], within 3 business days of [Redacted] application. Loan closed on [Redacted]. Due to closing occurring so soon after application, loan should not be held to timing requirements as the disclosure was provided in a timely manner. |  |  | 09/08/2025 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977056 |  | 3158618516 |  | 34355998 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977057 |  | 3158618517 |  | 34360134 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Pest Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-16): [Redacted] received Post CD and LOX.<br>Buyer Comment (2025-09-15): Please review PCCD and LOE | 09/16/2025 |  |  | 1 C A |  | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977058 |  | 3158618527 |  | 34357583 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977060 |  | 3158618529 |  | 34365531 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2025-09-10): proof of appraisal delivery received<br>Buyer Comment (2025-09-10): Please review uploaded proof of appraisal delivery (page 1,[Redacted] entry). | 09/10/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977060 |  | 3158618529 |  | 34377025 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Credit Report fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-10): Do not concur. Sufficient cure exists. | 09/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977060 |  | 3158618529 |  | 34377225 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee Total fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-21): Documentation received is sufficient to cure the fee change.<br>Reviewer Comment (2025-09-16): [Redacted] Received Corrected PCCD and LOE reducing recording fee; however, required true and certified final SS in order to verify recording fee as per PCCD.<br>Buyer Comment (2025-09-15): Please review LOX and PCCD | 09/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977060 |  | 3158618529 |  | 34471721 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-16): Sufficient Cure Provided At Closing |  | 09/16/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977062 |  | 3158618533 |  | 34355340 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-09-09): HOI coverage is sufficient<br>Buyer Comment (2025-09-09): Do not concur. Appraisal does indicate site value is $[Redacted]. Reducing $[Redacted] appraised value by this results in a replacement cost of $[Redacted]. HOI is sufficient to cover. | 09/09/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977062 |  | 3158618533 |  | 34355341 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-09-12): final title policy received<br>Buyer Comment (2025-09-12): Please review uploaded title. | 09/12/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977063 |  | 3158618534 |  | 34360183 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Escrow Wire Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-09-22): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-22): Please review uploaded PCCD and LOE.<br>Reviewer Comment (2025-09-21): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (77204) |  | 09/22/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977063 |  | 3158618534 |  | 34360184 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | State Withholding Assistance Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-09-22): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-22): Please review uploaded PCCD and LOE.<br>Reviewer Comment (2025-09-21): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (7797) |  | 09/22/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977065 |  | 3158618541 |  | 34363488 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | This loan was originated by a CDFI lender. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  | Reviewer Comment (2025-09-08): CDFI lender loan. | 9/23/2025 |  |  | 1 A |  | TX | Primary | Purchase | A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 223977065 |  | 3158618541 |  | 34375388 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | 09/08/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Exempt from ATR | Yes |
| 223977065 |  | 3158618541 |  | 34375389 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | 09/08/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Exempt from ATR | Yes |
| 223977067 |  | 3158618545 |  | 34364164 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], based on hazard insurance coverage of $[Redacted], plus an Insurer's Replacement Cost Estimate of [Redacted]. for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. |  |  |  |  |  |  |  | 3 C |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977067 |  | 3158618545 |  | 34364176 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2025-09-09): proof of appraisal delivery received<br>Buyer Comment (2025-09-09): Please review uploaded proof of appraisal delivery. | 09/09/2025 |  |  | 1 B A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977067 |  | 3158618545 |  | 34376199 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | 09/08/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977068 |  | 3158618547 |  | 34394112 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-09-18): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-18): Please review curative doc's attached - proof<br>Buyer Comment (2025-09-18): Please review curative doc's attached - letter<br>Buyer Comment (2025-09-18): Please review curative doc's attached - refund<br>Buyer Comment (2025-09-18): Please review curative doc's attached - PCCD<br>Reviewer Comment (2025-09-12): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-10): Please review uploaded CICs. [Redacted] CIC addresses change from $[Redacted] to $[Redacted], received fees from title co. (borrower shopped) and [Redacted] CIC addresses change from $[Redacted] to $[Redacted], loan amount increase. |  | 09/18/2025 |  | 2 C B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977072 |  | 3158618554 |  | 34374891 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of Collateral Desktop Analysis nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-11): appraisal delivery received<br>Buyer Comment (2025-09-11): Please review uploaded proof of appraisal delivery. | 09/11/2025 |  |  | 1 B A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977072 |  | 3158618554 |  | 34402639 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Disclosure provided was issued and signed at closing ([Redacted]). A disclosure issued within 3 business days of application not found. |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977072 |  | 3158618554 |  | 34402640 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Abstract / Title Search Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. Fee is paid to a lender affiliate, thus, is a [Redacted]% tolerance fee. |  |  |  | Reviewer Comment (2025-09-21): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (75178) |  |  |  | 3 C |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977072 |  | 3158618554 |  | 34402641 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - E-Doc Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. Fee is paid to a lender affiliate, thus, is a [Redacted]% tolerance fee. |  |  |  | Reviewer Comment (2025-09-21): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (75188) |  |  |  | 3 C |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977072 |  | 3158618554 |  | 34402642 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Lender's Endorsements disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. Fee is paid to a lender affiliate, thus, is a [Redacted]% tolerance fee. |  |  |  | Reviewer Comment (2025-09-21): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (7564) |  |  |  | 3 C |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977072 |  | 3158618554 |  | 34402643 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. Fee is paid to a lender affiliate, thus, is a [Redacted]% tolerance fee. |  |  |  | Reviewer Comment (2025-09-21): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. (7567) |  |  |  | 3 C |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977073 |  | 3158618555 |  | 34374658 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-09-10): File contains a signed post-close corrective IEADS which matches the PCCD and was in file prior to 3rd party review. | 09/10/2025 |  |  | 1 B A |  | CA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977073 |  | 3158618555 |  | 34402452 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. |  |  |  |  | Reviewer Comment (2025-09-10): PCCD in file prior to audit review is sufficient.<br>Reviewer Comment (2025-09-10): PCCD in file, however missing LOE to complete the cure of this condition. | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977076 |  | 3158618563 |  | 34381108 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | The initial disclosure, issued within 3 business days of application, was not signed by borrower(s). |  |  |  | Reviewer Comment (2025-09-10): document was signed by borrower<br>Buyer Comment (2025-09-10): Please review uploaded ABAD acknowledged by borrower in lower left hand corner on [Redacted]. | 09/10/2025 |  |  | 1 B A |  | PA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977077 |  | 3158618565 |  | 34374876 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2025-09-09): proof of appraisal delivery received<br>Buyer Comment (2025-09-09): Do not concur. Appraisal delivery on [Redacted] was after the effective date of appraisal, [Redacted]. | 09/09/2025 |  |  | 1 B A |  | OK | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977079 |  | 3158618568 |  | 34364721 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of updated appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-09): appraisal acknowledgement received<br>Buyer Comment (2025-09-09): Please review uploaded appraisal acknowledgement. | 09/09/2025 |  |  | 1 B A |  | NC | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977079 |  | 3158618568 |  | 34364722 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of initial appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-09): appraisal acknowledgement received<br>Buyer Comment (2025-09-09): Please review uploaded appraisal acknowledgement. | 09/09/2025 |  |  | 1 B A |  | NC | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977079 |  | 3158618568 |  | 34364724 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided At Closing |  | 09/05/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977080 |  | 3158618570 |  | 34363255 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided At Closing |  | 09/05/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977082 |  | 3158618575 |  | 34398841 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-10): appraisal acknowledgement in file | 09/10/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977085 |  | 3158618579 |  | 34370162 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided within 60 Days of Closing |  | 09/05/2025 |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977085 |  | 3158618579 |  | 34395477 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - Housing history reflects a total of ___ reported late payments.<br> Housing history reflects a total of ___ reported late payments. | Universal Escalation Form in file for lender exception of mortgage late in the past [Redacted] months. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/09/2025 | 2 B |  | TN | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977085 |  | 3158618579 |  | 34395487 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided within 60 Days of Closing |  | 09/09/2025 |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977086 |  | 3158618580 |  | 34367111 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the estimated cost new is not disclosed on the appraisal. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. Extended coverage is not disclosed. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-09-22): RCE received, and the HOI coverage in effect is sufficient to meet guideline requirements.<br>Buyer Comment (2025-09-22): Please review uploaded RCE.<br>Reviewer Comment (2025-09-10): updated our system to reflect $[Redacted] replacement cost for appraisal. Now HOI coverage is short by $[Redacted] based on the Note amount of $[Redacted].<br>Buyer Comment (2025-09-10): Do not concur. Appraisal does indicate site value is $[Redacted]. Reducing $[Redacted] appraised value by this results in a replacement cost of $[Redacted]0. [Redacted]% would be $[Redacted]. $[Redacted] HOI is sufficient to cover. | 09/22/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977086 |  | 3158618580 |  | 34393623 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Revised Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. | Missing Revised Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  | Reviewer Comment (2025-09-22): correct disclosure received<br>Buyer Comment (2025-09-22): Please review uploaded Notice Concerning Extensions of Credit. | 09/22/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977086 |  | 3158618580 |  | 34393624 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Per preliminary title report, new lender is prior originating lender. |  |  |  | Reviewer Comment (2025-09-22): client accepts EV2 grade<br>Buyer Comment (2025-09-22): accepting grade 2 |  |  | 09/22/2025 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977088 |  | 3158618585 |  | 34365267 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided At Closing |  | 09/05/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977092 |  | 3158618596 |  | 34374499 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Credit Report fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received valid COC document<br>Buyer Comment (2025-09-11): Do not concur. [Redacted] and [Redacted] LEs both contain verbiage on page 3 in Other Considerations section that "You may receive a revised Loan Estimate at any time prior to 60 days before consummation." Loan closed [Redacted]. CIC is not required as verbiage on LE serves as such. | 09/15/2025 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977093 |  | 3158618597 |  | 34369761 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided At Closing |  | 09/05/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977093 |  | 3158618597 |  | 34369762 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided At Closing |  | 09/05/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977094 |  | 3158618598 |  | 34395708 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | ND | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977094 |  | 3158618598 |  | 34395709 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | ND | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977095 |  | 3158618599 |  | 34373621 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2025-09-11): appraisal acknowledgement received<br>Buyer Comment (2025-09-11): Please review uploaded appraisal acknowledgement. | 09/11/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 223977095 |  | 3158618599 |  | 34373622 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The initial Closing Disclosure in the file dated [Redacted] was not signed and dated by the borrower to evidence receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-09-11): proof of e-delivery of initial CD received<br>Buyer Comment (2025-09-11): Please review uploaded proof of appraisal receipt on [Redacted]. | 09/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 223977095 |  | 3158618599 |  | 34373635 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | This loan was originated by a CDFI lender. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  | Reviewer Comment (2025-09-10): Originated by a CDFI Lender | 9/23/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 223977097 |  | 3158618604 |  | 34344314 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company (Appraisal Review). Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Management Company (Appraisal Review) fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-09-05): Please see PCCD and refund sent to the customer for the $[Redacted] appraisal update fee |  | 09/09/2025 |  | 2 C B |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977098 |  | 3158618607 |  | 34335321 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit Fee changed to $0.00 on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-04): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-09-03): Do not Concur. Initial loan lock occurred and premium pricing changed from $-[Redacted]to $[Redacted]. The customer ended up receiving $-[Redacted]at closing. No CIC required for an increase. | 09/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977099 |  | 3158618608 |  | 34335539 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file did not provide a risk score, which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-09-03): CDA received, with value supporting the appraised value<br>Buyer Comment (2025-09-03): See attached CDA | 09/03/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977099 |  | 3158618608 |  | 34335591 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Verification of HOA Verification, Insurance Verification, Tax Verification for the REO property located at [Redacted]. |  |  |  | Reviewer Comment (2025-09-04): Coop information received<br>Buyer Comment (2025-09-04): MTG info<br>Buyer Comment (2025-09-04): Property is a co op | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977100 |  | 3158618609 |  | 34351595 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-11): Do Not Concur. A change in the amortization / loan term occurred on [Redacted] and discount Points increased to $[Redacted] and disclosed timely on LE v5, they decreased prior to closing. | 09/12/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977100 |  | 3158618609 |  | 34351596 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-11): Do Not Concur. The appraisal came back with the finding that it was made subject to completion, the final inspection was ordered and the fee was disclosed timely on LE v7. | 09/12/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977101 |  | 3158618610 |  | 34340170 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Missing signed note. |  |  |  | Reviewer Comment (2025-09-04): signed Note received<br>Buyer Comment (2025-09-04): Completed Note provided | 09/04/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977101 |  | 3158618610 |  | 34340234 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Missing signed PUD Rider. |  |  |  | Reviewer Comment (2025-09-04): signed rider received<br>Buyer Comment (2025-09-04): PUD Rider provided with mortgage | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977101 |  | 3158618610 |  | 34340292 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Missing signed and notarized security instrument. |  |  |  | Reviewer Comment (2025-09-04): signed security instrument received<br>Buyer Comment (2025-09-04): Completed Mortgage Provided | 09/04/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977101 |  | 3158618610 |  | 34343943 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing signed 4506-C. |  |  |  | Reviewer Comment (2025-09-04): signed 4506-C received<br>Buyer Comment (2025-09-04): attached | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977101 |  | 3158618610 |  | 34343944 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing signed 4506-C. |  |  |  | Reviewer Comment (2025-09-04): signed 4506-C received<br>Buyer Comment (2025-09-04): waterfall | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977101 |  | 3158618610 |  | 34343945 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing signed 4506-C. |  |  |  | Reviewer Comment (2025-09-04): signed 4506-C received<br>Buyer Comment (2025-09-04): waterfall already attached | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977101 |  | 3158618610 |  | 34343963 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing signed 4506-C for each borrower, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-09-04): signed 4506-C received | 09/04/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977101 |  | 3158618610 |  | 34343964 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing signed 4506-C for each borrower. |  |  |  | Reviewer Comment (2025-09-04): signed 4506-C received<br>Buyer Comment (2025-09-04): waterfall | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977101 |  | 3158618610 |  | 34343965 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing signed 4506-C for each borrower. |  |  |  | Reviewer Comment (2025-09-04): signed 4506-C received<br>Buyer Comment (2025-09-04): 4506 has been uploaded | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977102 |  | 3158618611 |  | 34368907 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977102 |  | 3158618611 |  | 34368916 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-09-09): e-consent form not required for this loan as no loans were signed electronically<br>Buyer Comment (2025-09-09): E-Consent not required | 09/09/2025 |  |  | 1 C A |  | MI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977102 |  | 3158618611 |  | 34368937 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted]<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-08): Exception approved, with comp factors. |  |  | 09/08/2025 | 2 B |  | MI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977102 |  | 3158618611 |  | 34368974 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted]<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-08): Exception approved, with comp factors. |  |  | 09/08/2025 | 2 B |  | MI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977102 |  | 3158618611 |  | 34368994 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (2025-09-09): Evidence of when the homeownership counseling list was required to be created and delivered has been received.<br>Buyer Comment (2025-09-09): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the List of Homeownership Counseling Organizations was issued timely. There was also one issued prior to TRID being achieved on [Redacted] | 09/09/2025 |  |  | 1 B A |  | MI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977102 |  | 3158618611 |  | 34368997 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-09): Do Not Concur. The loan did not lock until [Redacted], pricing can fluctuate prior to the loan being locked, The premium pricing started out as -$[Redacted] on [Redacted], then decreased to zero on LE 2 [Redacted], then to -$[Redacted] on LE 3 on [Redacted], then decreased to zero on LE 4 on [Redacted]. When the loan loccked on [Redacted] CD v9 was issued with no Lender Credit and zero Lender Credit remained through closing. | 09/10/2025 |  |  | 1 C A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977102 |  | 3158618611 |  | 34368998 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-09): Do Not Concur. The loan locked on [Redacted], discount points disclosed timely on CD v9 at $[Redacted]. The product changed on [Redacted] which is a valid CIC to allow for discount points to change as well and they changed to $[Redacted] disclosing timely on CD v 10 on [Redacted]. Then on [Redacted] the purchase price and loan amount changed which again allowed discount points to change and they disclosed timely at $[Redacted] on CD v 11 on [Redacted]. | 09/10/2025 |  |  | 1 C A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977102 |  | 3158618611 |  | 34368999 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-09): Do Not Concur. The appraisal came back with instructions that it was made subject to completion, so a Final Inspection was ordered and disclosed timely on CD v 8. | 09/10/2025 |  |  | 1 C A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977102 |  | 3158618611 |  | 34369000 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-09): Do Not Concur. The transfer taxes were $[Redacted] (rounded to $[Redacted]) on LE v1. They changed on CD v 11 issuing and disclosing timely on [Redacted]. There were changes in the purchase price and also the loan amount which are valid CICs for the taxes changing. | 09/10/2025 |  |  | 1 C A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977103 |  | 3158618613 |  | 34325531 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP SSR in file had a risk score of [Redacted] , which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-09-03): CDA with value supporting the appraised value has been received<br>Buyer Comment (2025-09-03): see attached CDA | 09/03/2025 |  |  | 1 D A |  | NJ | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977103 |  | 3158618613 |  | 34331058 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977104 |  | 3158618617 |  | 34324859 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | The final Closing Disclosure issued [Redacted] non-escrowed property cost is $[Redacted], However in appraisal HOA amount is $[Redacted] |  |  |  | Reviewer Comment (2025-09-02): additional assessment info received and matches the final CD information.<br>Buyer Comment (2025-09-02): Do Not Concur. The appraisal also states that in addition to the $[Redacted] per year HOA dues that there is an assessment of $[Redacted] per year through [Redacted] for the clubhouse and pool, $[Redacted]+ $[Redacted]= $[Redacted] | 09/02/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977106 |  | 3158618620 |  | 34326665 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-02): proof of appraisal delivery received<br>Buyer Comment (2025-09-02): Do Not Concur. Please see system snip showing proof of electronic delivery of the appraisal to the customer. | 09/02/2025 |  |  | 1 B A |  | NY | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977106 |  | 3158618620 |  | 34326667 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977106 |  | 3158618620 |  | 34326698 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Verification of Rent is missing for the property address [Redacted] |  |  |  | Reviewer Comment (2025-09-04): information received showing not required<br>Buyer Comment (2025-09-04): Not needed policy updated | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977107 |  | 3158618623 |  | 34327354 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Note - Subject Lien is incomplete |  | Subject property Note in the file was not signed and dated by the borrowers. |  |  |  | Reviewer Comment (2025-09-04): signed Note received<br>Buyer Comment (2025-09-04): Completed Note provided | 09/04/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977107 |  | 3158618623 |  | 34327377 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Subject property Security Instrument in the file was not signed and dated by the borrowers. |  |  |  | Reviewer Comment (2025-09-04): signed security instrument received<br>Buyer Comment (2025-09-04): Completed Mortgage provided | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977107 |  | 3158618623 |  | 34327401 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-03): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-09-02): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. LEv3 disclosed timely [Redacted] | 09/03/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977108 |  | 3158618626 |  | 34359391 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing documentation supporting co-borrower's pension income used to qualify ($[Redacted]/mo.). |  |  |  | Reviewer Comment (2025-09-09): explanation of income and docs received<br>Buyer Comment (2025-09-09): 1) Retirement Income: [Redacted] Calc.<br> - [Redacted]#[Redacted]is used as [Redacted]source.<br> - [Redacted] is $[Redacted]/[Redacted]=$[Redacted]mo.<br> - [Redacted] Taken was $[Redacted]. as of the [Redacted] statement.<br> - Account value is $[Redacted]/$[Redacted]=[Redacted] years of continuance on the [Redacted] figure. <br> - \*\* AGE OF DOCS EXPIRATION POLICY IS N/A - Assets are not used to support receipt of the SSI Income: SSI Award Letters and [Redacted] years [Redacted]'s are in file \*\* | 09/09/2025 |  |  | 1 C A |  | NY | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977108 |  | 3158618626 |  | 34359424 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing documentation supporting co-borrower's pension income used to qualify, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-09-09): explanation of income and docs received<br>Buyer Comment (2025-09-09): Waterfall | 09/09/2025 |  |  | 1 B A C |  | NY | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977108 |  | 3158618626 |  | 34359428 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing documentation supporting co-borrower's pension income used to qualify. |  |  |  | Reviewer Comment (2025-09-09): explanation of income and docs received<br>Buyer Comment (2025-09-09): Waterfall | 09/09/2025 |  |  | 1 C A |  | NY | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977108 |  | 3158618626 |  | 34359429 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as $0.00 on the revised Loan Estimate issued on [Redacted] but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-09-09): Do not Concur. Expiration change and valid CICs for loan amount and loan points occurred [Redacted]. CDv5 disclosed timely same day | 09/10/2025 |  |  | 1 C A |  | NY | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977108 |  | 3158618626 |  | 34359430 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Appraisal Update was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-09-09): Do not Concur. Appraisal was expiring. A recert was completed. Valid CIC [Redacted] and CDv5 disclosed timely same day | 09/10/2025 |  |  | 1 C A |  | NY | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977108 |  | 3158618626 |  | 34374085 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing documentation supporting co-borrower's pension income used to qualify ($[Redacted]/mo.). |  |  |  | Reviewer Comment (2025-09-09): explanation of income and docs received<br>Buyer Comment (2025-09-09): 1) Retirement Income: [Redacted] Calc.<br> - [Redacted]#[Redacted]is used as [Redacted] source.<br> - [Redacted] is $[Redacted]/[Redacted]=$[Redacted]mo.<br> - [Redacted] Taken was $[Redacted]. as of the [Redacted] statement.<br> - Account value is $[Redacted]/$[Redacted]=[Redacted] years of continuance on the [Redacted]figure. <br> - \*\* AGE OF DOCS EXPIRATION POLICY IS N/A - Assets are not used to support receipt of the SSI Income: SSI Award Letters and [Redacted] years [Redacted]'s are in file \*\* | 09/09/2025 |  |  | 1 C A |  | NY | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977108 |  | 3158618626 |  | 34374200 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing documentation supporting co-borrower's pension income used to qualify. |  |  |  | Reviewer Comment (2025-09-09): explanation of income and docs received | 09/09/2025 |  |  | 1 C A |  | NY | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977109 |  | 3158618627 |  | 34357135 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | NJ | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977110 |  | 3158618628 |  | 34347862 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file was missing Verification of Non-US Citizen Status. |  |  |  | Reviewer Comment (2025-09-09): borrower identification received<br>Buyer Comment (2025-09-08): ID Provided | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977110 |  | 3158618628 |  | 34347892 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-09-05): Do not Concur. The rate lock expired and the seller was not ready to sell, customer accepted cost of a 30 day extension and the discount points increased, this was disclosed timely on CD v4 at $[Redacted] discount points which decreased by closing. | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977112 |  | 3158618638 |  | 34342017 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide a supplemental title form showing loan coverage equal to the Note amount, or a Final Title policy. |  |  |  | Reviewer Comment (2025-09-11): final title policy received<br>Buyer Comment (2025-09-11): Final Title Policy provided | 09/11/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977112 |  | 3158618638 |  | 34342025 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-09-05): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-09-04): Do not Concur. [Redacted] received and reviewed appraisal [Redacted]. Valid CIC same day. LEv2 disclosed timely [Redacted]. Final inspection was required. | 09/05/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977116 |  | 3158618644 |  | 34334795 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Missing signed copy of the security instrument. |  |  |  | Reviewer Comment (2025-09-04): signed security instrument received<br>Buyer Comment (2025-09-04): Completed Mortgage Provided | 09/04/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977116 |  | 3158618644 |  | 34334805 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Missing signed copy of the Note. |  |  |  | Reviewer Comment (2025-09-04): signed Note received<br>Buyer Comment (2025-09-04): Completed Note provided | 09/04/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977116 |  | 3158618644 |  | 34334814 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is missing in the file |  |  |  | Reviewer Comment (2025-09-04): final 1003 received<br>Buyer Comment (2025-09-04): Final 1003 provided | 09/04/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977117 |  | 3158618646 |  | 34326719 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted]on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-03): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-09-02): Do not Concur. Initial loan lock and valid CICs occurred [Redacted]. LEv6 disclosed timely same day | 09/03/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977119 |  | 3158618649 |  | 34343612 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received valid COC date [Redacted]<br>Buyer Comment (2025-09-05): Do Not Concur. The customer did not lock the loan rate until [Redacted] and the pricing changed prior to the loan being locked, on [Redacted] the loan discount points disclosed to the customer at $[Redacted] on CD v1. The discount points decreased at closing. | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977120 |  | 3158618651 |  | 34350411 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $-[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. |  |  |  | Reviewer Comment (2025-09-11): [Redacted] received LOX for rebuttal response with additional information for a valid changed circumstance.<br>Buyer Comment (2025-09-09): Do Not Concur. LE versions 1 - 6 are all dated and issued on [Redacted], please see on these LEs that the lender credit progressively increased on these LEs, a CIC is not required for an increase in a credit as this is in favor of the customer. On LE version 7 dated [Redacted] the interest rate DID change and the Lender Credit decreased for the first time and the CICs already provided to [Redacted] are for this rate and price change.<br>Reviewer Comment (2025-09-09): [Redacted] received COC dated [Redacted], however interest rate and lender credit decreased on LE dated [Redacted]. Please provide valid COC within 3 days of LE dated [Redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-05): Do Not Concur. There was an interest rate change on [Redacted] and this caused pricing to change lowering the premium pricing which was disclosed timely on LE v7 | 09/11/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977120 |  | 3158618651 |  | 34358752 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted] % moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the DTI not meeting the guideline requirement of [Redacted]% | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-14): Exception approved, with comp factors. |  |  | 09/14/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977120 |  | 3158618651 |  | 34358756 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-14): Exception approved, with comp factors.<br>Reviewer Comment (2025-09-14): ..<br>Reviewer Comment (2025-09-04): initial appraisal provided to the borrower, subsequent appraisal had no material difference |  |  | 09/14/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977121 |  | 3158618654 |  | 34341772 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording fee in section E changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-17): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-16): Please see PCCD and Refund<br>Reviewer Comment (2025-09-05): Yes, total cure required for [Redacted]% tolerance is $[Redacted] out of which only $[Redacted] cure is provided at closing. Remaining cure of $[Redacted] is required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-09-04): Concur. Recording fees increased on the final CD without a valid CIC. [Redacted] didn't hold the correct [Redacted]% baseline. Baseline: [Redacted] Actual: [Redacted]-[Redacted]=[Redacted] Cure: [Redacted]-[Redacted]=[Redacted] still due back. Please validate that [Redacted] agrees with the cure amount still due back is $[Redacted] since only $[Redacted] was cured at closing. |  | 09/17/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977123 |  | 3158618662 |  | 34341784 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Please provide a supplemental title report or final title policy showing loan amount coverage equal to the Note amount. |  |  |  | Reviewer Comment (2025-09-12): final title policy received<br>Buyer Comment (2025-09-12): Final Title Policy Provided | 09/12/2025 |  |  | 1 B A |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977124 |  | 3158618668 |  | 34347631 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification is missing for the property address [Redacted] |  |  |  | Reviewer Comment (2025-09-08): REO documentation received<br>Buyer Comment (2025-09-08): Hoa for [Redacted] | 09/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977125 |  | 3158618670 |  | 34349747 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977127 |  | 3158618673 |  | 34355134 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received valid COC document<br>Buyer Comment (2025-09-08): Do not Concur. Loan points can float until the initial loan lock. Valid CIC for lock [Redacted]. CDv1 disclosed timely | 09/09/2025 |  |  | 1 C A |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977127 |  | 3158618673 |  | 34355135 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received valid COC document<br>Buyer Comment (2025-09-08): Do not Concur. See attached CIC and complexity comments for appraisal increase [Redacted]. LEv2 disclosed timely next day | 09/09/2025 |  |  | 1 C A |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977127 |  | 3158618673 |  | 34355136 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received valid COC document<br>Buyer Comment (2025-09-08): Do not Concur. [Redacted] received and reviewed appraisal [Redacted]. Valid CIC for required repairs. LEv9 disclosed timely | 09/09/2025 |  |  | 1 C A |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977128 |  | 3158618675 |  | 34351054 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI greater than guidelines DTI of [Redacted]%. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-04): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/04/2025 | 2 B |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977128 |  | 3158618675 |  | 34351056 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-16): [Redacted] received rebuttal and valid COC<br>Buyer Comment (2025-09-12): Do not Concur. Two appraisals were required for this loan because the loan amount exceeds $[Redacted], necessitating a side-by-side review of both appraisals. Both appraisals were placed in "approved with conditions" status on [Redacted], which is when it was determined that a final inspection was needed, triggering the fee to populate in [Redacted]. The initial delivery of the appraisals occurred on [Redacted], with one appraisal being re-delivered on [Redacted]. The final inspection fee was correctly triggered on [Redacted], coinciding with the completion of the collateral reviews.<br>Reviewer Comment (2025-09-11): [Redacted]: Initial appraisal & revised appraisal with provided disclosure completed on [Redacted] & [Redacted] with subject to completion, but the Appraisal re-inspection fee was not added until [Redacted]. This is outside of the required three-day timeline for notification of borrower. Moreover, appraisal was available to review at the time of initial disclosure, reviewing the appraisal later is not a valid changed circumstance. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.<br>Buyer Comment (2025-09-09): Do not concur. [Redacted] is looking at the date the completion was done. [Redacted] did not receive and review the appraisal until [Redacted]. The CIC was within 3 days of this and CD was timely within the CIC.<br>Reviewer Comment (2025-09-09): [Redacted] received COC dated [Redacted], however 1004 completed subject to completion is dated [Redacted] and fee added on [Redacted] which is not within 3 days of change. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-05): Do not Concur. [Redacted] received and reviewed appraisal [Redacted]. Valid CIC occurred and CDv1 disclosed same day. Final Inpsection was required | 09/16/2025 |  |  | 1 C A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977128 |  | 3158618675 |  | 34351063 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Waterfall finding due to lender exception in the file for DTI exceeding guidelines DTI of [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-04): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/04/2025 | 2 B |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977129 |  | 3158618676 |  | 34324905 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977130 |  | 3158618677 |  | 34344021 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-05): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-04): Do not Concur. Expiration change and CIC for loan points occurred [Redacted]. CDv2 disclosed timely next day | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977130 |  | 3158618677 |  | 34344022 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-05): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-04): Do not Concur. [Redacted] received and reviewed appraisal [Redacted]. Valid CIC triggered same day and LEv4 disclosed timely [Redacted]. Final inspection was required per appraisal | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977130 |  | 3158618677 |  | 34350736 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-03): Exception approved, with comp factors. |  |  | 09/03/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977130 |  | 3158618677 |  | 34350738 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-03): Exception approved, with comp factors. |  |  | 09/03/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977131 |  | 3158618679 |  | 34350470 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits changed to $0.00 on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-11): Please see attached PCCD package<br>Reviewer Comment (2025-09-08): [Redacted] received COC dated [Redacted] for loan amount change, however there is no change in loan amount. A valid Changed Circumstance with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-05): Do not Concur. Valid CIC for loan amount change [Redacted]. LEv3 disclosed timely |  | 09/12/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977132 |  | 3158618680 |  | 34342126 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977132 |  | 3158618680 |  | 34347955 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-03): Exception approved, with comp factors. |  |  | 09/03/2025 | 2 B |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977132 |  | 3158618680 |  | 34347964 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-03): Exception approved, with comp factors. |  |  | 09/03/2025 | 2 B |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977133 |  | 3158618682 |  | 34330634 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  | TURBO results required W-2s for most recent [Redacted] yrs. The the file contained a W-2 for the borrower's current job which began [Redacted]; however, there was no information or documentation for the prior job to complete the [Redacted] yr history. |  |  |  | Reviewer Comment (2025-09-04): school transcripts received and sufficient.<br>Buyer Comment (2025-09-04): Customer was in school prior transcripts attached | 09/04/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977134 |  | 3158618685 |  | 34355125 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exceptions of Collateral Issues. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-05): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/05/2025 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977134 |  | 3158618685 |  | 34355218 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-09-08): Do not Concur. valid CIC for loan amount change [Redacted]. Transfer taxes increased to $[Redacted]. Transfer taxes decreased at closing. | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977135 |  | 3158618687 |  | 34342687 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of actual receipt date of initial Closing Disclosure, issued on [Redacted], is not provided. Default receipt date is [Redacted], which is less than 3 business days prior to the closing date ([Redacted]). |  |  |  | Reviewer Comment (2025-09-04): proof of initial CD receipt by borrower has been received<br>Buyer Comment (2025-09-04): Do not Concur. Initial CD sent via [Redacted] [Redacted] | 09/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977137 |  | 3158618689 |  | 34356340 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Post-close CD signature date shows as [Redacted], issued on [Redacted]. |  |  |  | Reviewer Comment (2025-09-08): CD was issued on [Redacted] and signed on [Redacted]<br>Buyer Comment (2025-09-08): Do not Concur. CDv4 was generated on [Redacted]. The way [Redacted] works is if it's passed a certain time, the issue date will print next day. No violation. Please see generated date at the bottom of the signed CD. | 09/08/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977137 |  | 3158618689 |  | 34356373 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] received COC dated [Redacted]<br>Buyer Comment (2025-09-08): Do not Concur. Valid CICs for product change, interest rate, and loan points [Redacted] . Cdv3 disclosed same day | 09/10/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977137 |  | 3158618689 |  | 34445786 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of reserve requirements allowing use of gift funds to cover reserves on a cash-out transaction. Exception approved, with comp factors. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-14): Exception approved, with comp factors. |  |  | 09/14/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977138 |  | 3158618690 |  | 34359149 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted]on the initial Loan Estimate but disclosed as $0.00 on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-09): Do not concur. The customer received the promotional credit of $[Redacted]at closing | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977138 |  | 3158618690 |  | 34359151 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points were not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-09): Do not Concur. Expiration change and valid CICs for loan points and interest rate [Redacted]. CDv4 disclosed timely same day | 09/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977140 |  | 3158618696 |  | 34349718 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-04): proof of appraisal delivery in file | 09/04/2025 |  |  | 1 B A |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977140 |  | 3158618696 |  | 34358250 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977141 |  | 3158618697 |  | 34343789 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of [Redacted] Decline. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-03): Exception approved, with comp factors. |  |  | 09/03/2025 | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977141 |  | 3158618697 |  | 34343791 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977144 |  | 3158618702 |  | 34349375 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Provide HUD-1 Settlement, Closing Disclosure, Appraisal or Letter of Intent to Sell is missing for [Redacted] |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977144 |  | 3158618702 |  | 34349681 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-09): SitusA/MC received valid COC dated [Redacted]<br>Buyer Comment (2025-09-05): Do not Concur. Valid CIC for loan amount change [Redacted]. LEv3 disclosed timely | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977145 |  | 3158618703 |  | 34347339 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made to subject to and Form 442 was not provided in the file. |  |  |  | Reviewer Comment (2025-09-12): corrected appraisal information received<br>Buyer Comment (2025-09-12): The report did not require a 1004D and just required proof of inspections. CA noted reviewed an approved. <br>Page [Redacted] of the appraisal report. <br> [Redacted]: The appraiser was asked to address the following items: The appraiser to please consider changing subject to inspections with repairs by checking box 4 and unchecking box 3 as these repairs and inspections are in the purchase contract and a Final 1004D Inspection is not required. 2. Appraiser to please clarify if both finished areas in basement on the sketch, play area and rec room photos are included, basement photo on page 21 and 20 appear to be the same photo. Please provide additional photo/label for photo that is missing. The appraiser changed the "subject to" box and added the correct photo for the finished basement.<br>The appraiser changed the "subject to" box and added the correct photo for the finished basement | 09/12/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977145 |  | 3158618703 |  | 34347347 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-09): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-09-05): Do not concur. Initial loan lock occurred [Redacted]. CDv2 disclosed same day | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977145 |  | 3158618703 |  | 34347349 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2025-09-05): Do not Concur. Final inspection was cured at closing already | 09/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977145 |  | 3158618703 |  | 34389759 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977148 |  | 3158618706 |  | 34356178 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing HOA verification for property located at West Van Buren, Chicago, IL. |  |  |  | Reviewer Comment (2025-09-09): REO information received<br>Buyer Comment (2025-09-09): REO PITIA Details:<br> [Redacted]<br> [Redacted]<br> includes escrow<br> HOA from [Redacted] return $[Redacted]/ [Redacted]= [Redacted] per month | 09/09/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977148 |  | 3158618706 |  | 34356325 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] received valid rebuttal comment and supporting system snip for the rate was locked on [Redacted].<br>Buyer Comment (2025-09-09): Do not Concur. Valid CIC for initial loan lock occurred [Redacted]. Points can float until the loan locks. CDv4 disclosed timley next day | 09/10/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977148 |  | 3158618706 |  | 34356468 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | HOA $[Redacted] disclosed on Appraisal, Escrowed Property Costs over Year 1 of [Redacted]on Final Closing Disclosure provided on [Redacted]. |  |  |  | Reviewer Comment (2025-09-11): LOE and PCCD received<br>Buyer Comment (2025-09-11): Please see attached PCCD package |  | 09/11/2025 |  | 2 C B |  | WI | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977149 |  | 3158618707 |  | 34346125 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-05): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-04): Do not Concur. Valid CIC [Redacted] and complexity comments attached. LEv3 disclosed timely same day | 09/05/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977151 |  | 3158618712 |  | 34357538 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided in the file. |  |  |  | Reviewer Comment (2025-09-08): no escrows according to final CD, therefore IEADS not required<br>Buyer Comment (2025-09-08): Do Not Concur. Loan is not escrowed, Please see closing disclosure snip showing that no escrow is being held. | 09/08/2025 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977152 |  | 3158618713 |  | 34367410 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-11): Do Not Concur. The interest rate changed on [Redacted], and the discount points changed. The discount points of $[Redacted] disclosed timely on CD v3. | 09/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977152 |  | 3158618713 |  | 34367459 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exceptions of [Redacted] Declines. Exception approved with comp factors. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Exception approved, with comp factors. |  |  | 09/09/2025 | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977154 |  | 3158618720 |  | 34365189 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided At Closing |  | 09/05/2025 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977155 |  | 3158618721 |  | 34367147 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977155 |  | 3158618721 |  | 34367190 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation.. |  |  |  | Reviewer Comment (2025-09-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-11): Do Not Concur. The cure amount of $[Redacted] is to cure the recording fees, there is a valid CIC for the discount points so no additional cure amount is required. | 09/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977155 |  | 3158618721 |  | 34367191 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation.. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-11): Do Not Concur. There was a pricing expiration on [Redacted], pricing changed, $[Redacted] in discount points was disclosed timely on CD V3. | 09/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977155 |  | 3158618721 |  | 34426655 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977156 |  | 3158618727 |  | 34364337 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided At Closing |  | 09/05/2025 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977158 |  | 3158618733 |  | 34371625 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Amount Financed disclosed on Final Closing Disclosure is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of $[Redacted]. Discrepancy is caused by exclusion of the following fee(s) from lender's calculation: Title - City Transfer Stamp Courier ($[Redacted]). |  |  |  | Reviewer Comment (2025-09-18): The tax stamp pick up / courier fee would be a finance charge as it does not meet the criteria / definition for exclusion under 1026.4(c)(7) and while the stamp tax paid to a government entity is excluded from finance charges, the cost of the courier service to pick up the tax stamps is not excluded. Also note, rebuttal indicates charge is not associated with mortgage transaction and would be paid on a comparable cash transaction, however, fee is disclosed on the CD in Section C of the loan costs section which, under 1026.38(f) are for "loan costs associated with the transaction" and "services and corresponding costs for each of the settlement services required by the creditor for which the consumer shopped. Under 1026.4, third party or closing agent charges for services required by the creditor or when creditor requires use of a third party are finance charges. If use of a title courier was optional and borrower could pick up tax stamps without use of courier, fee would be disclosed in Section H as an optional service.<br>Buyer Comment (2025-09-17): Please see e-mail from title saying that this fee was for title picking up the tax stamp for the borrower.<br>Reviewer Comment (2025-09-15): [Redacted] received rebuttal that title-City Transfer Stamp Courier is not a APR fee. A transfer tax paid to a public official would not be an APR fee and appears this fee was charged and reflected in Section E. However, the courier fee would be finance charge. That it is a title fee does not omit it from finance charges, but the services provided determines if a finance charge. The fee was disclosed in Section C which indicates it was related to the extension of credit and was not disclosed in Section H as an optional borrower chosen fee. Additionally, a courier fee for the City Transfer Stamp is not a typical fee that would be charged in a comparable cash only transaction. Can provide a attestation from the title company that gives the specific services & purpose of this fee and confirm it was not lender required.<br>Buyer Comment (2025-09-12): Do Not Concur. AMC is citing the City Transfer Stamp Courier Fee as needing to be included as a pre-paid fee in the finance charge calculation. This is a title fee but if this was a cash transaction not involving lender-related fees, the customer may still be responsible for the city transfer stamp fee and any associated courier fees. This fee is not directly tied to extending credit, this fee is essential outside of a mortgage transaction. |  |  |  | 3 C |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977158 |  | 3158618733 |  | 34371626 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Amount Financed disclosed on Final Closing Disclosure is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of $[Redacted]. Discrepancy is caused by exclusion of the following fee(s) from lender's calculation: Title - City Transfer Stamp Courier ($[Redacted]). |  |  |  | Reviewer Comment (2025-09-18): The tax stamp pick up / courier fee would be a finance charge as it does not meet the criteria / definition for exclusion under 1026.4(c)(7) and while the stamp tax paid to a government entity is excluded from finance charges, the cost of the courier service to pick up the tax stamps is not excluded. Also note, rebuttal indicates charge is not associated with mortgage transaction and would be paid on a comparable cash transaction, however, fee is disclosed on the CD in Section C of the loan costs section which, under 1026.38(f) are for "loan costs associated with the transaction" and "services and corresponding costs for each of the settlement services required by the creditor for which the consumer shopped. Under 1026.4, third party or closing agent charges for services required by the creditor or when creditor requires use of a third party are finance charges. If use of a title courier was optional and borrower could pick up tax stamps without use of courier, fee would be disclosed in Section H as an optional service.<br>Buyer Comment (2025-09-17): Please see e-mail from title saying that this fee was for title picking up the tax stamp for the borrower.<br>Reviewer Comment (2025-09-15): [Redacted] received rebuttal that title-City Transfer Stamp Courier is not a APR fee. A transfer tax paid to a public official would not be an APR fee and appears this fee was charged and reflected in Section E. However, the courier fee would be finance charge. That it is a title fee does not omit it from finance charges, but the services provided determines if a finance charge. The fee was disclosed in Section C which indicates it was related to the extension of credit and was not disclosed in Section H as an optional borrower chosen fee. Additionally, a courier fee for the City Transfer Stamp is not a typical fee that would be charged in a comparable cash only transaction. Can provide a attestation from the title company that gives the specific services & purpose of this fee and confirm it was not lender required.<br>Buyer Comment (2025-09-12): Do Not Concur. AMC is citing the City Transfer Stamp Courier Fee as needing to be included as a pre-paid fee in the finance charge calculation. This is a title fee but if this was a cash transaction not involving lender-related fees, the customer may still be responsible for the city transfer stamp fee and any associated courier fees. This fee is not directly tied to extending credit, this fee is essential outside of a mortgage transaction. |  |  |  | 3 C |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977159 |  | 3158618734 |  | 34364108 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-09-10): Desk Review received, with a value that supports the original appraised value<br>Buyer Comment (2025-09-10): Please see attached CDA. | 09/10/2025 |  |  | 1 D A |  | FL | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977159 |  | 3158618734 |  | 34364130 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] received system snip with additional information for valid Changed circumstance.<br>Buyer Comment (2025-09-09): Do not Concur. Valid CIC for initial loan lock occurred [Redacted]. LEv3 disclosed timely next day | 09/10/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977159 |  | 3158618734 |  | 34364131 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-10): [Redacted] received system snip with additional information for valid Changed circumstance.<br>Buyer Comment (2025-09-09): Do not Concur. Please see valid CIC and complexity comments attached. LEv4 disclosed timely same day [Redacted] | 09/10/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977160 |  | 3158618735 |  | 34369791 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee Total and Survey fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-11): Do Not Concur. The survey fee is a fee that the customer was able to shop for so it should be held to a 10% threshold as well as the recording fees. These fees did increase without a valid CIC but the $[Redacted] cure is for the amount of increase of these two fees. | 09/12/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977160 |  | 3158618735 |  | 34369794 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Transfer Tax/Mansion State/TaxStamps fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-11): Do Not Concur. There was a sales price change and a loan amount change on [Redacted], both valid CICs for allowing transfer taxes to change and they increased to $[Redacted] and disclosed timely on LE v 4 | 09/12/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977160 |  | 3158618735 |  | 34426614 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977161 |  | 3158618736 |  | 34401793 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - K-1 Less Than 25 Percent | General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. | File is missing either most recent 1040s or most recent tax transcripts. |  |  |  | Reviewer Comment (2025-09-12): tax documentation and information received<br>Buyer Comment (2025-09-12): k1's show customer owns less than [Redacted] %<br>Buyer Comment (2025-09-12): 1120 [Redacted]<br>Buyer Comment (2025-09-12): [Redacted] | 09/12/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977161 |  | 3158618736 |  | 34401794 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than 25 Percent | General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. | File is missing either most recent 1040s or most recent tax transcripts. |  |  |  | Reviewer Comment (2025-09-12): tax documentation and information received | 09/12/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977161 |  | 3158618736 |  | 34401795 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-12): Do Not Concur. The recording fees did increase but this was already cured at closing in the amount of $[Redacted]. | 09/15/2025 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977161 |  | 3158618736 |  | 34401796 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-12): Do Not Concur. This loan locked initially on [Redacted]. Both of the appraisal fees had to increase due to complexity of the property, please see the reasoning for this property beeing deemed complex. | 09/15/2025 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977161 |  | 3158618736 |  | 34401797 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Second Appraisal Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-12): Do Not Concur. This loan locked initially on [Redacted]. Both of the appraisal fees had to increase due to complexity of the property, please see the reasoning for this property being deemed complex. | 09/15/2025 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977161 |  | 3158618736 |  | 34401808 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the missing income documentation. |  |  |  | Reviewer Comment (2025-09-12): tax documentation and information received | 09/12/2025 |  |  | 1 B A C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977161 |  | 3158618736 |  | 34403128 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing income documentation. |  |  |  | Reviewer Comment (2025-09-12): tax documentation and information received | 09/12/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977161 |  | 3158618736 |  | 34403144 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing either most recent 1040s or most recent tax transcripts. |  |  |  | Reviewer Comment (2025-09-12): tax documentation and information received<br>Buyer Comment (2025-09-12): Customer is salary employee and rental property is not using any rental income to qualify. Customer is not self employed | 09/12/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977161 |  | 3158618736 |  | 34403147 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the missing income documentation. |  |  |  | Reviewer Comment (2025-09-12): tax documentation and information received | 09/12/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977161 |  | 3158618736 |  | 34446441 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-15): Sufficient Cure Provided At Closing |  | 09/15/2025 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977163 |  | 3158618739 |  | 34367273 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of actual receipt date of initial Closing Disclosure, issued on [Redacted], is not provided. Default receipt date is [Redacted], which is less than 3 business days prior to the closing date ([Redacted]). |  |  |  | Reviewer Comment (2025-09-12): [Redacted] received disclosure summary.<br>Buyer Comment (2025-09-11): Do Not Concur. Please see electronic delivery record for the closing disclosure, customer received on [Redacted]. | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977163 |  | 3158618739 |  | 34367274 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received system snip with additional information and sufficient cure provided at closing for the recording fee increased.<br>Buyer Comment (2025-09-12): Do Not Concur. Please see breakdown of fees included in the [Redacted]% tolerance calculation baseline vs. actual fees at closing. [Redacted]% baseline = $[Redacted] and [Redacted]% actually fees = $[Redacted] which leaves $[Redacted] for the cure.<br>Reviewer Comment (2025-09-12): [Redacted] received rebuttal, however cure provided at closing is $[Redacted] and cure required for recording fee increase is $[Redacted]. Please provide additional cure. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-11): Do Not Concur. Please see Cure provided at closing on the signed closing disclosure for increased recording fees. | 09/15/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977163 |  | 3158618739 |  | 34367275 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Transfer Taxes were not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] received valid COC.<br>Buyer Comment (2025-09-11): Do Not Concur. There were people added to title on [Redacted], this changes the Deed /Tax stamps amount which disclosed timely on CD v1 on [Redacted] | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977164 |  | 3158618742 |  | 34367196 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee Total changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-12): Do not Concur. valid CIC for POA [Redacted]. Recording fees decreased at closing<br>Reviewer Comment (2025-09-12): [Redacted] received valid changed circumstance dated [Redacted]. However, the recording fee increase of $[Redacted] from $[Redacted] on [Redacted] CD and there seems to no valid COC in the loan file for the fee was increased Provide valid COC for the fee was increased or Cure would be due to borrower.<br>Buyer Comment (2025-09-11): Do not Concur. Valid CIC for POA being added [Redacted]. CDv2 disclosed timely | 09/15/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977164 |  | 3158618742 |  | 34367197 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Poiints changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-12): Do not Concur. A Closing Disclosure does not have to be redisclosed to the customer at the time of the initial loan lock. Points decreased from $[Redacted] to $[Redacted]. No CIC required for a decrease.<br>Reviewer Comment (2025-09-12): [Redacted] received a changed circumstance dated [Redacted] for initial rate was locked, but there is no CD dated within that time frame. Provide any missing CD to associate with the changed circumstance or provide changed circumstance for the CD dated [Redacted] or cure is required.<br>Buyer Comment (2025-09-11): Do not Concur. Initial loan lock did not happen until [Redacted]. Points can float until this happens. Points decreased from $[Redacted] to $[Redacted]. No CIC required for a decrease. | 09/15/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977165 |  | 3158618743 |  | 34372948 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received valid COC document.<br>Buyer Comment (2025-09-12): Do Not Concur. The recording fee increased because a Power of Attorney was added by the customer as one of them was not going to be able to sign at closing, this created a valid CIC which increased recording costs and the fee updated and disclosed timely on CD v2. | 09/15/2025 |  |  | 1 C A |  | MA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977165 |  | 3158618743 |  | 34372949 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-09-18): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-18): Please see PCCD and Refund<br>Reviewer Comment (2025-09-15): [Redacted] received rebuttal, however as per 1003 there is no change in occupancy as it is second home from start to final. Please provide additional sufficient information on why the fee was increased, or cure would be required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-12): Do Not Concur. There was an occupancy change on [Redacted], it was made known that the customer was not going to be residing in this property but it is an investment property. This changed certain fees including the appraisal fee. This was a valid change in circumstance and the appraisal fee of $[Redacted] disclosed timely. |  | 09/18/2025 |  | 2 C B |  | MA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977165 |  | 3158618743 |  | 34401022 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of actual receipt date of initial Closing Disclosure, issued on [Redacted], is not provided. Default receipt date is [Redacted], which is less than 3 business days prior to the closing date [Redacted]). |  |  |  | Reviewer Comment (2025-09-12): evidence of e-delivery and receipt of the initial CD has been received<br>Buyer Comment (2025-09-12): Do Not Concur. Please see system snip showing electronic delivery of the closing disclosure. | 09/12/2025 |  |  | 1 C A |  | MA | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977166 |  | 3158618745 |  | 34366630 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-11): Do not Concur. Initial loan lock occurred [Redacted]. Loan points increased to $[Redacted] timely on LEv3. Loan points ended up decreasing at closing. | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977167 |  | 3158618749 |  | 34371558 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-08): Sufficient Cure Provided At Closing |  | 09/08/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977168 |  | 3158618750 |  | 34366593 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance Verification is missing to verify expenses. |  |  |  | Reviewer Comment (2025-09-11): REO documentation received<br>Buyer Comment (2025-09-11): This is the document that the Customer provided for [Redacted] | 09/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977168 |  | 3158618750 |  | 34392024 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception for the maximum DTI. Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Exception approved, with comp factors. |  |  | 09/09/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977168 |  | 3158618750 |  | 34392030 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception for the maximum DTI. Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Exception approved, with comp factors. |  |  | 09/09/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977170 |  | 3158618754 |  | 34366642 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] Received Sufficient Cure docs within 60 Days of Closing.<br>Buyer Comment (2025-09-11): Section E tolerance violation already cured. See attached PCCD package | 09/12/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977170 |  | 3158618754 |  | 34426711 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided within 60 Days of Closing |  | 09/12/2025 |  | 1 A |  | FL | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977172 |  | 3158618756 |  | 34373645 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted] , and the the estimated cost new is not disclosed on the appraisal. Based on hazard insurance coverage of $[Redacted] , the loan is short of the required coverage by $[Redacted]. Extended coverage is not disclosed and there are no detatched structures to be covered under the Other Structures coverage. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-09-11): HOI coverage is at [Redacted]% replacement cost and acceptable<br>Buyer Comment (2025-09-11): Insurance policy states Replacement Coverage is [Redacted] | 09/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977173 |  | 3158618757 |  | 34368147 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-09-18): final title policy received<br>Buyer Comment (2025-09-18): Final Title Policy Provided | 09/18/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977173 |  | 3158618757 |  | 34368160 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing REO documents. |  |  |  | Reviewer Comment (2025-09-16): REO explanation received<br>Buyer Comment (2025-09-16): Customer owns a house in [Redacted] not [Redacted] our system does not have that as an option UW used [Redacted] attached is the hoa and tax conversion for the free and clear property<br>Reviewer Comment (2025-09-11): multiple 1003's and the Fraud Report in file indicate "See Address History Document, with "[Redacted]". It appears that the Street address on [Redacted]. was not correct. Please provide all additional information on the [Redacted] property owned by the borrower.<br>Buyer Comment (2025-09-11): Can you please clarify? I don't see this property address listed on the Customer's 1003 nor as a property owned on the Data Verify, I am confused on this request, please clarify. Thank you | 09/16/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977173 |  | 3158618757 |  | 34368162 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline <br> minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for <br> more than [Redacted] years.<br>Borrower has verified disposable income of at least <br> $[Redacted].<br>Borrower has worked in the same position for more <br> than [Redacted] years.<br>Borrower's monthly reserves have been verified and <br> exceed the amount required based on the guidelines <br> by at least [Redacted] months.<br>Borrowers made a down payment from their own <br> funds on this purchase transaction of at least <br> [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Exception approved, with comp factors. |  |  | 09/09/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977173 |  | 3158618757 |  | 34368180 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Exception approved, with comp factors. |  |  | 09/09/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977173 |  | 3158618757 |  | 34368182 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-18): [Redacted] received confirmation attorney in section H is borrower attorney.<br>Buyer Comment (2025-09-17): Do Not Concur. Please see the New Jersey right to attorney document, the customer chose to select an attorney to review the transaction on their behalf, the attorney fee in section H is a borrower chosen fee and should not be included in the finance charge calculation as a pre-paid fee.<br>Reviewer Comment (2025-09-12): Given there are no other closing/attorney fees on the loan, [Redacted] will, by default, consider the fee to be a finance charge fee when paid by the borrower which would thereby include the fee in both the finance charge. Had there been a separate closing fee charged, we would treat a secondary attorney fee as a 4c7 fee under the assumption it was paid for the purpose of preparing loan-related documents (thereby allowing for the exclusion). If we have something that more specifically supports the fee was for the express purpose of preparing loan docs, we can further consider the fee as a 4c7 and its eligibility for exclusion (attestation may be accepted if it explains the purpose of the attorney fee and that it was not a JPM required fee (i.e., JPM did not require a settlement/closing fee on the loan)). Pursuant to 1026.4(a)(2)-2, if the creditor requires the use of a closing agent, then fees charged by the closing agent are included in the finance charge. Also, please note that [Redacted] is only including the borrower paid portions of the processing fee ($[Redacted]0 and $[Redacted]) in the finance charge calculation. The portion of lender paid processing fee is not being included.<br>Buyer Comment (2025-09-11): Do not Concur. AMC is including the section H Attoreny Buyer fee $[Redacted] within the calculations and should not be. Also AMC is not including the full amount for the processing fee. $[Redacted] is a lender credit part of this fee as well. Please recalculate | 09/18/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977173 |  | 3158618757 |  | 34368183 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-18): [Redacted] received confirmation attorney in section H is borrower attorney.<br>Buyer Comment (2025-09-17): Do Not Concur. Please see the [Redacted] right to attorney document, the customer chose to select an attorney to review the transaction on their behalf, the attorney fee in section H is a borrower chosen fee and should not be included in the finance charge calculation as a pre-paid fee.<br>Reviewer Comment (2025-09-12): Given there are no other closing/attorney fees on the loan, [Redacted] will, by default, consider the fee to be a finance charge fee when paid by the borrower which would thereby include the fee in both the finance charge. Had there been a separate closing fee charged, we would treat a secondary attorney fee as a 4c7 fee under the assumption it was paid for the purpose of preparing loan-related documents (thereby allowing for the exclusion). If we have something that more specifically supports the fee was for the express purpose of preparing loan docs, we can further consider the fee as a 4c7 and its eligibility for exclusion (attestation may be accepted if it explains the purpose of the attorney fee and that it was not a JPM required fee (i.e., JPM did not require a settlement/closing fee on the loan)). Pursuant to 1026.4(a)(2)-2, if the creditor requires the use of a closing agent, then fees charged by the closing agent are included in the finance charge. Also, please note that [Redacted] is only including the borrower paid portions of the processing fee ($[Redacted] and $[Redacted]) in the finance charge calculation. The portion of lender paid processing fee is not being included.<br>Buyer Comment (2025-09-11): Do not Concur. AMC is including the section H Attoreny Buyer fee $[Redacted] within the calculations and should not be. Also AMC is not including the full amount for the processing fee. $[Redacted] is a lender credit part of this fee as well. Please recalculate | 09/18/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977173 |  | 3158618757 |  | 34368184 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of Lender Credit changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-11): Do not Concur. Valid CIC for initial loan lock and loan points occurred [Redacted]. LEv2 disclosed timely same day | 09/12/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977174 |  | 3158618761 |  | 34379003 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing copy of tax Verification. |  |  |  | Reviewer Comment (2025-09-12): REO documentation/information received<br>Buyer Comment (2025-09-12): [Redacted] is a co op<br>Buyer Comment (2025-09-12): [Redacted] | 09/12/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977174 |  | 3158618761 |  | 34379231 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Buyer Comment (2025-09-18): Please clarify, the CLAS fee as this title company calls it or in some instances a tax stamp courier fee is simply a fee paid for the tax stamp to be delivered to the title company so that they can record it with the docs, this is not the tax itself. This fee is a service for the customer so that they don't have to go get the stamps themselves, the customer could have done this.<br>Reviewer Comment (2025-09-17): In that case the fee should be disclosed in section E rather than section H which is used for "Other" fees. Please provide PCCD and LOE indicating the correct fee placement and Situs will re-test the transaction.<br>Buyer Comment (2025-09-16): Do Not Concur. This fee is for the delivery of the tax stamp which is needed if this was a cash transaction, this fee can not be tied directly to the extension of credit, this is needed if the customer were to purchase the property with cash as well, please see the e-mail from the title company verifying what this fee is.<br>Reviewer Comment (2025-09-15): The provided explanation would indicate the $[Redacted] should be considered as a recording service fee, which would indicate the fee should be tested as a finance charge. The fee is charged by the title company, and is loan cost, rather than an additional borrower chosen fee. Cure is required or further explanation on why the fee would fit under 1026.4(c)(7) fee exclusions.<br>Buyer Comment (2025-09-12): Do not Concur. AMC is including the section H CLAS processing fee as a prepaid fee. This fee should not be included as a prepaid fee. This fee is to the company Title used to pick up the city stamp for the buyers. It is a stamp that gets affixed to the Deed and is needed to record it. |  |  |  | 3 C |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977174 |  | 3158618761 |  | 34379232 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. |  |  |  | Buyer Comment (2025-09-18): Please clarify, the CLAS fee as this title company calls it or in some instances a tax stamp courier fee is simply a fee paid for the tax stamp to be delivered to the title company so that they can record it with the docs, this is not the tax itself. This fee is a service for the customer so that they don't have to go get the stamps themselves, the customer could have done this.<br>Reviewer Comment (2025-09-17): In that case the fee should be disclosed in section E rather than section H which is used for "Other" fees. Please provide PCCD and LOE indicating the correct fee placement and Situs will re-test the transaction.<br>Buyer Comment (2025-09-16): Do Not Concur. This fee is for the delivery of the tax stamp which is needed if this was a cash transaction, this fee can not be tied directly to the extension of credit, this is needed if the customer were to purchase the property with cash as well, please see the e-mail from the title company verifying what this fee is.<br>Reviewer Comment (2025-09-15): The provided explanation would indicate the $[Redacted] should be considered as a recording service fee, which would indicate the fee should be tested as a finance charge. The fee is charged by the title company, and is loan cost, rather than an additional borrower chosen fee. Cure is required or further explanation on why the fee would fit under 1026.4(c)(7) fee exclusions.<br>Buyer Comment (2025-09-12): Do not Concur. AMC is including the section H CLAS processing fee as a prepaid fee. This fee should not be included as a prepaid fee. This fee is to the company Title used to pick up the city stamp for the buyers. It is a stamp that gets affixed to the Deed and is needed to record it. |  |  |  | 3 C |  | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977176 |  | 3158618763 |  | 34374789 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee Total changed to $[Redacted] on the Closing Disclsoure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-12): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2025-09-11): Do not Concur. Section E tolerance violation already cured at closing | 09/12/2025 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977176 |  | 3158618763 |  | 34374790 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the Closing Disclsoure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] received valid COC<br>Buyer Comment (2025-09-11): Do not Concur. Valid CICs for initial loan lock, interest rate, and loan points [Redacted]. Loan points increased timely on same day to $[Redacted] . Points later decreased at closing and no CIC required for a decrease. | 09/12/2025 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977176 |  | 3158618763 |  | 34400863 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI Ratio greater than guideline max of [Redacted]%. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Exception approved, with comp factors. |  |  | 09/10/2025 | 2 B |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977176 |  | 3158618763 |  | 34400903 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI Ratio greater than guideline max of [Redacted]%. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Exception approved, with comp factors. |  |  | 09/10/2025 | 2 B |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977176 |  | 3158618763 |  | 34427507 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977177 |  | 3158618764 |  | 34376313 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of actual receipt date of initial Closing Disclosure, issued on [Redacted], is not provided. Default receipt date is [Redacted], which is less than 3 business days prior to the closing date ([Redacted]). |  |  |  | Reviewer Comment (2025-09-12): evidence of initial CD delivery to the borrower has been received<br>Buyer Comment (2025-09-12): Do not Concur. Initial CD sent via [Redacted] [Redacted] | 09/12/2025 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977178 |  | 3158618767 |  | 34366633 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-19): CA 2025 Notary Fee per document is $[Redacted]. While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under 1026.4(e)-3 below: 3. Notary fees. In order for a notary fee to be excluded under §1026.4(e)(1), all of the following conditions must be met: i. The document to be notarized is one used to perfect, release, or continue a security interest. ii. The document is required by law to be notarized. iii. A notary is considered a public official under applicable law. iv. The amount of the fee is set or authorized by law. If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service. While notary fees (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. Please provide an explanation for the purpose of the entire amount of the loan doc signing fee.<br>Buyer Comment (2025-09-18): Please see additional e-mail from Title stating that the signing and document coordination fee was only for the notary and no other combined services.<br>Reviewer Comment (2025-09-18): [Redacted] received email stating Title-signing and Document Coordination Fee is the notary fee. However, the fee name indicates more than notarial services were provided. Please provide attestation from settlement agent/title company explaining why fee was not named Title-Notary fee, which is a standard and typical fee name for a Notary fee, and to attest that total fee was for all notary fee and no mobile signing, signing coordination or document coordination services were provided within the $[Redacted] fee. While notary fees are excluded from finance charges and APR calculations, only the notary fee portion is excludable but document coordination, signing fees and mobile services are not and these would be included as finance charges. Commentary to Regulation Z 1026.4(e)(1) provides: 1. Notary fees. In order for a notary fee to be excluded under 1026.4(e)(1), all of the following conditions must be met: The document to be notarized is one used to perfect release, or continue a security instrument and the document is required by law to be notarized. iii. A notary is considered a public official under applicable law. If lender/notary can provide documentation identifying which portion of charge is for notarizing documents, we can exclude this portion from finance charges.<br>Buyer Comment (2025-09-17): Do Not Concur. Please see e-mail from title stating that this Title Signing fee was for the notary and should not be included in the pre-paid calculation for the finance charge.<br>Reviewer Comment (2025-09-12): [Redacted] received rebuttal that Title-signing fee was cured at closing. However, the $[Redacted] cured was for the [Redacted]% tolerance violation which included other fees besides the title-signing fee that increased and over the [Redacted]% tolerance (title-doc Prep, title-lender title ins, Recording Fee) This was a not inclusive of the title-signing fee. Cure is due to borrower for the total underdisclosure of $[Redacted]. Corrected CD, LOE to borrower, copy of cure refund for $[Redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-09-11): Do not Concur. The Title-signing fee is already cured at closing in the amount of $[Redacted] |  |  |  | 3 C |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977178 |  | 3158618767 |  | 34366634 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-19): CA 2025 Notary Fee per document is $[Redacted]. While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under 1026.4(e)-3 below:<br> 3. Notary fees. In order for a notary fee to be excluded under §1026.4(e)(1), all of the following conditions must be met:<br> i. The document to be notarized is one used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service.<br>While notary fees (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7) , a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. Please provide an explanation for the purpose of the entire amount of the loan doc signing fee.<br>Buyer Comment (2025-09-18): Please see additional e-mail from Title stating that the signing and document coordination fee was only for the notary and no other combined services.<br>Reviewer Comment (2025-09-18): [Redacted] received email stating Title-signing and Document Coordination Fee is the notary fee. However, the fee name indicates more than notarial services were provided. Please provide attestation from settlement agent/title company explaining why fee was not named Title-Notary fee, which is a standard and typical fee name for a Notary fee, and to attest that total fee was for all notary fee and no mobile signing, signing coordination or document coordination services were provided within the $[Redacted] fee. While notary fees are excluded from finance charges and APR calculations, only the notary fee portion is excludable but document coordination, signing fees and mobile services are not and these would be included as finance charges. Commentary to Regulation Z 1026.4(e)(1) provides: 1. Notary fees. In order for a notary fee to be excluded under 1026.4(e)(1), all of the following conditions must be met: The document to be notarized is one used to perfect release, or continue a security instrument and the document is required by law to be notarized. iii. A notary is considered a public official under applicable law. If lender/notary can provide documentation identifying which portion of charge is for notarizing documents, we can exclude this portion from finance charges.<br>Buyer Comment (2025-09-17): Do Not Concur. Please see e-mail from title stating that this Title Signing fee was for the notary and should not be included in the pre-paid calculation for the finance charge.<br>Reviewer Comment (2025-09-12): [Redacted] received rebuttal that Title-signing fee was cured at closing. However, the $[Redacted] cured was for the [Redacted]% tolerance violation which included other fees besides the title-signing fee that increased and over the [Redacted]% tolerance (title-doc Prep, title-lender title ins, Recording Fee) This was a not inclusive of the title-signing fee. Cure is due to borrower for the total underdisclosure of $[Redacted]. Corrected CD, LOE to borrower, copy of cure refund for $[Redacted], proof of mailing and proof of reopening of rescission to all consumers.<br>Buyer Comment (2025-09-11): Do not Concur. The Title-signing fee is already cured at closing in the amount of $[Redacted] |  |  |  | 3 C |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977178 |  | 3158618767 |  | 34392146 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977182 |  | 3158618773 |  | 34377337 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing property tax and insurance verification for REO property located at [Redacted]. |  |  |  | Reviewer Comment (2025-09-16): REO documentation received<br>Buyer Comment (2025-09-16): Property is a commercial condo<br>Buyer Comment (2025-09-16): hoa fee | 09/16/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977182 |  | 3158618773 |  | 34377345 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | [Redacted](f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under [Redacted], revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation ([Redacted]%) changed more than the [Redacted]%(regular transaction) threshold compared to the actual/calculated APR at consummation ([Redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  |  |  | Reviewer Comment (2025-09-15): e-delivery of interim CD received<br>Buyer Comment (2025-09-15): Do Not Concur. Please see system snip of electronic receipt of the closing disclosure. | 09/15/2025 |  |  | 1 C A |  | NY | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977182 |  | 3158618773 |  | 34377348 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-16): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-15): Do Not Concur. The appraiser deemed this property to be complex and charged more for the appraisal, please see system snips of reasoning and CIC. | 09/16/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977182 |  | 3158618773 |  | 34377350 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Transfer Tax changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-16): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-15): Do Not Concur. The loan amount changed and subsequently the transfer taxes increased, please see system snip of the CIC. | 09/16/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977183 |  | 3158618776 |  | 34392596 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of actual receipt date of initial Closing Disclosure, issued on [Redacted], is not provided. Default receipt date is [Redacted], which is less than 3 business days prior to the closing date ([Redacted]). |  |  |  | Reviewer Comment (2025-09-11): evidence of CD received by borrower's by electronic delivery has been received<br>Buyer Comment (2025-09-11): Do not Concur. Initial Cd sent via [Redacted] [Redacted] | 09/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977185 |  | 3158618781 |  | 34375183 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-12): Do not Concur. Valid CIC for loan amount [Redacted]. LEv2 disclosed timely same day | 09/15/2025 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977186 |  | 3158618785 |  | 34377107 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee Total changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-17): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-16): Please see PCCD and refund to the customer |  | 09/17/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977187 |  | 3158618786 |  | 34372015 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee Total changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-15): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-09-12): Do not Concur. Section E tolerance violation already cured at closing | 09/15/2025 |  |  | 1 C A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977187 |  | 3158618786 |  | 34372016 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points changed to $[Redacted] on the LE/CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-12): Do not Concur. Valid CIC for initial loan lock [Redacted]. Points were a total of $[Redacted] and LEv2 disclosed timely. | 09/15/2025 |  |  | 1 C A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977187 |  | 3158618786 |  | 34372017 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-12): Do not Concur. See attached CIC and complexity comments [Redacted]. ELv3 disclosed timely same day | 09/15/2025 |  |  | 1 C A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977187 |  | 3158618786 |  | 34446721 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-15): Sufficient Cure Provided At Closing |  | 09/15/2025 |  | 1 A |  | NV | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977188 |  | 3158618789 |  | 34375397 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted] based on hazard insurance coverage of $[Redacted] , plus extended coverage of $[Redacted] , for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted] . An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-09-11): evidence of [Redacted]% replacement cost coverage has been received and meets guideline requirements<br>Buyer Comment (2025-09-11): RCC provided | 09/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977193 |  | 3158618800 |  | 34395806 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977196 |  | 3158618803 |  | 34399413 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page two (2). Provide the seller CD for fee comparison. |  |  |  | Reviewer Comment (2025-09-16): seller CD received<br>Buyer Comment (2025-09-16): Please see seller's closing disclosure | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977196 |  | 3158618803 |  | 34399418 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-10): Sufficient Cure Provided At Closing |  | 09/10/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977196 |  | 3158618803 |  | 34400844 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing co-borrower third party verfications, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-09-16): co-borrower income from additional sources not used for qualification purposes | 09/16/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977196 |  | 3158618803 |  | 34400845 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Missing co-borrower third party verification for [Redacted]/S-Corporation. |  |  |  | Reviewer Comment (2025-09-16): co-borrower income from additional sources not used for qualification purposes | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977196 |  | 3158618803 |  | 34400846 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Missing third party verfication for [Redacted]. |  |  |  | Reviewer Comment (2025-09-16): co-borrower income from additional sources not used for qualification purposes | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977196 |  | 3158618803 |  | 34436503 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing co-borrower third party verfications. |  |  |  | Reviewer Comment (2025-09-16): co-borrower income from additional sources not used for qualification purposes<br>Buyer Comment (2025-09-16): Income for Co-Borrower was not used for qualifying<br>Reviewer Comment (2025-09-15): documentation received is not for the business source that is missing. Need third party verification for co-borrower businesses [Redacted] and [Redacted].<br>Buyer Comment (2025-09-15): VOE and backup documentation provided | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977196 |  | 3158618803 |  | 34437436 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing co-borrower third party verfications. |  |  |  | Reviewer Comment (2025-09-16): co-borrower income from additional sources not used for qualification purposes | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977196 |  | 3158618803 |  | 34437503 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall finding due to missing co-borrower third party verfications. |  |  |  | Reviewer Comment (2025-09-16): co-borrower income from additional sources not used for qualification purposes<br>Buyer Comment (2025-09-16): Income for Co-Borrower was not used for qualifying<br>Reviewer Comment (2025-09-15): documentation received is not for the business source that is missing. Need third party verification for co-borrower businesses [Redacted] and [Redacted].<br>Buyer Comment (2025-09-15): VOE provided | 09/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977197 |  | 3158618805 |  | 34395560 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-16): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-15): Do Not Concur. Please see system snips showing CICs occurred for loan amount change, initial lock, and loan interest rate changes. The zero lender credit disclosed timely on LE v2. | 09/16/2025 |  |  | 1 C A |  | DC | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977198 |  | 3158618806 |  | 34367007 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation.. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received valid COC document<br>Buyer Comment (2025-09-11): Do not Concur. Valid CICs for increased ten percent section E fees on [Redacted] and [Redacted]. LEv2 and CDv2 disclosed timely. Section E tolerance violation is already cured at closing | 09/15/2025 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977200 |  | 3158618809 |  | 34395849 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points were disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-09-17): valid CIC with timely disclosure to borrower has been received<br>Buyer Comment (2025-09-16): Do Not Concur. There was a product change on [Redacted] and the discount points increased to $[Redacted]. They were disclosed timely on LE v3 and the discount points decreased prior to closing. | 09/17/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977201 |  | 3158618813 |  | 34390632 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception form in the file for lender exception for [Redacted] Decline. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-11): Exception approved, with comp factors. |  |  | 09/11/2025 | 2 B |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977202 |  | 3158618817 |  | 34393809 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-17): [Redacted] received additional information that fee entered in Section H because of credits by seller an borrower's portion. However, that the fee was in section H does not omit it from finance charge calculation. The service or purpose of the fee determines if a fee is a finance charge. A settlement agent fee is a finance charge and should have been included in the calculation. A corrected CD, LOE to borrower, copy of cure refund for $[Redacted] and proof of mailing is required to cure.<br>Buyer Comment (2025-09-16): Do Not Concur. The e-mail from the title company said that this fee was the escrow or settlement agent fee, In a mortgage transaction, the settlement agent fee (often referred to as the escrow fee) is typically considered a third-party fee and is generally not included in the finance charge calculation as a pre-paid fee. It is paid to a third party (the settlement agent or escrow company) for services related to the closing of the loan, and these services would be needed in a cash transaction also.<br>Reviewer Comment (2025-09-11): We would not rely solely on fee placement to determine if a fee should be included in the finance charge. It is the purpose of the fee that determines inclusion/exclusion. The response from the escrow officer in the email states this is the escrow fee and comment in the rebuttal states the fee purpose is for the closing of the real estate transaction. Escrow fees are included in the finance charge under §1026.4(a)(2).<br>Buyer Comment (2025-09-11): Do not concur. See attached email from title. This is a section H fee. This is a fee paid to the escrow company or agent for handling the closing of the real estate transaction. The escrow agent acts as a neutral third party to manage the transfer of funds and documents between buyer and seller. This is not a prepaid fee. AMC is including this fee in their calculations and should not be |  |  |  | 3 C |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977202 |  | 3158618817 |  | 34393810 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. |  |  |  | Reviewer Comment (2025-09-17): [Redacted] received additional information that fee entered in Section H because of credits by seller an borrower's portion. However, that the fee was in section H does not omit it from finance charge calculation. The service or purpose of the fee determines if a fee is a finance charge. A settlement agent fee is a finance charge and should have been included in the calculation. A corrected CD, LOE to borrower, copy of cure refund for $[Redacted] and proof of mailing is required to cure.<br>Buyer Comment (2025-09-16): Do Not Concur. The e-mail from the title company said that this fee was the escrow or settlement agent fee, In a mortgage transaction, the settlement agent fee (often referred to as the escrow fee) is typically considered a third-party fee and is generally not included in the finance charge calculation as a pre-paid fee. It is paid to a third party (the settlement agent or escrow company) for services related to the closing of the loan, and these services would be needed in a cash transaction also.<br>Reviewer Comment (2025-09-11): We would not rely solely on fee placement to determine if a fee should be included in the finance charge. It is the purpose of the fee that determines inclusion/exclusion. The response from the escrow officer in the email states this is the escrow fee and comment in the rebuttal states the fee purpose is for the closing of the real estate transaction. Escrow fees are included in the finance charge under §1026.4(a)(2).<br>Buyer Comment (2025-09-11): Do not concur. See attached email from title. This is a section H fee. This is a fee paid to the escrow company or agent for handling the closing of the real estate transaction. The escrow agent acts as a neutral third party to manage the transfer of funds and documents between buyer and seller. This is not a prepaid fee. AMC is including this fee in their calculations and should not be |  |  |  | 3 C |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977202 |  | 3158618817 |  | 34393817 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-09-11): Do not Concur. Valid CIC for initial loan lock occured [Redacted]. This is where premium pricing decreased to $[Redacted]. Loan discount points and premium pricing can float until the loan lock happens. CDv1 disclosed timely same day. Note: Third party contribution of $[Redacted] at closing. This is not part of premium pricing. | 09/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977202 |  | 3158618817 |  | 34400435 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Exception approved, with comp factors. |  |  | 09/10/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977202 |  | 3158618817 |  | 34400444 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-10): Exception approved, with comp factors. |  |  | 09/10/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977203 |  | 3158618822 |  | 34395730 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-18): [Redacted] received Changed Circumstance dated [Redacted], with sufficient information on why the recording fee was increased.<br>Buyer Comment (2025-09-18): Please see additional system snips of reason why the product had to change and product change is a valid CIC to allow the recording fee to change.<br>Reviewer Comment (2025-09-18): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason recording fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-17): Do Not Concur. There was a product, interest rate, and loan amount change on [Redacted] and [Redacted], the recording fees increased to $[Redacted] and decreased prior to closing, recording fees disclosed timely on CD v3. | 09/18/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977203 |  | 3158618822 |  | 34395731 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-18): [Redacted] received valid COC document<br>Buyer Comment (2025-09-16): Do Not Concur. There was a product, interest rate, and loan amount change on[Redacted] and [Redacted], the discount points increased to $[Redacted] and disclosed timely on CD v3. | 09/18/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977204 |  | 3158618823 |  | 34370119 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $0.00 plus 10% or $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $0.00 plus 10% or $0.00. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2025-09-05): Sufficient Cure Provided At Closing |  | 09/05/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977205 |  | 3158618826 |  | 34445793 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for outstanding repairs to proceed without roof repair/treatment . Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-14): Exception approved, with comp factors. |  |  | 09/14/2025 | 2 B |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977206 |  | 3158618828 |  | 34391406 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the initial Loan Estimate but disclosed as -$[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-09-12): Do not Concur. Valid CICs for product, loan amount, and loan points [Redacted]. Premium pricing changed to $[Redacted]. The premium pricing ended up increasing at closing. No cure due back. | 09/15/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977206 |  | 3158618828 |  | 34391408 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-09-15): Sufficient cure provided at closing<br>Buyer Comment (2025-09-12): Do not Concur. Section E tolerance violation already cured at closing. Note [Redacted] has the incorrect baseline in the comments | 09/15/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977206 |  | 3158618828 |  | 34416239 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exception of PAG declined project. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-11): Exception approved, with comp factors. |  |  | 09/11/2025 | 2 B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977206 |  | 3158618828 |  | 34446627 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-09-15): Sufficient Cure Provided At Closing |  | 09/15/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977209 |  | 3158618832 |  | 34391043 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-12): Do not Concur. Valid CICs for initial loan lock and loan points [Redacted]. LEv3 disclosed timely same day | 09/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977211 |  | 3158618834 |  | 34401457 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower.<br> The Loan Discount Points fee changed to $[Redacted] on the CD dated [Redacted]. . A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-12): Do not Concur. Valid CIC for product and term change [Redacted]. CDv2 disclosed timely | 09/15/2025 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977214 |  | 3158618844 |  | 34393957 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The Initial Closing Disclosure is not signed/dated to evidence receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-09-16): e-delivery information for the initial CD has been received<br>Buyer Comment (2025-09-16): Do Not Concur. Please see system snip of electronic receipt of the CD by the customer. | 09/16/2025 |  |  | 1 C A |  | WA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977215 |  | 3158618846 |  | 34392027 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: ___; Lien Position: ___ | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of 4.8, which does not meet securitization requirements. |  |  |  |  |  |  |  | 3 D |  | ME | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977217 |  | 3158618848 |  | 34377822 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The disclosure is dated [Redacted], which is more than 3 business days after the application date ([Redacted]). |  |  |  | Reviewer Comment (2025-09-12): proof of disclosure delivery received<br>Buyer Comment (2025-09-12): Do not Concur. List of Homeownership Counseling was inlcuded in the application package dated [Redacted] | 09/12/2025 |  |  | 1 B A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977217 |  | 3158618848 |  | 34377823 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the initial Loan Estimate but disclosed as -$[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-12): Do not Concur. Valid CICs for appraised value and interest rate [Redacted] that changed premium pricing to $[Redacted] timely on LEv3. The customer received an increase in premium pricing at closing. No Cure due back | 09/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977217 |  | 3158618848 |  | 34377825 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-09-15): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-12): Do not Concur. Valid CIC for POA added on [Redacted]. LEv3 disclosed timely to increase ten percent baseline | 09/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977219 |  | 3158618854 |  | 34396389 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): • Exception approved, with comp factors. |  |  | 09/09/2025 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977219 |  | 3158618854 |  | 34396391 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-09): Exception approved, with comp factors. |  |  | 09/09/2025 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977221 |  | 3158618859 |  | 34401102 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-10): Sufficient Cure Provided At Closing |  | 09/10/2025 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977226 |  | 3158618871 |  | 34393154 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure issued [Redacted] missing evidence of receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-09-17): [Redacted] received disclosure tracking for the [Redacted] CD.<br>Buyer Comment (2025-09-16): Do Not Concur. Please see system snip of electronic receipt of the CD by the customer. | 09/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977226 |  | 3158618871 |  | 34393155 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit was decreased on loan estimate issued [Redacted]. No valid change of circumstance was evident, and no tolerance cure was noted. |  |  |  | Reviewer Comment (2025-09-17): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-09-16): Do Not Concur. The loan locked and had an interest rate change on [Redacted], the pricing changed and the lender credit which was premium pricing changed to $[Redacted], disclosed timely on CD v1. | 09/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977229 |  | 3158618878 |  | 34392813 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977229 |  | 3158618878 |  | 34427963 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-12): Exception approved, with comp factors. |  |  | 09/12/2025 | 2 B |  | CA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977229 |  | 3158618878 |  | 34427965 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-12): Exception approved, with comp factors. |  |  | 09/12/2025 | 2 B |  | CA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977231 |  | 3158618880 |  | 34431624 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation in file indicates the appraisal was sent to the borrower [Redacted]; however, there is no evidence of receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-09-16): appraisal receipt received<br>Buyer Comment (2025-09-16): Do Not Concur. Please see system snip of electronic receipt of the appraisal by the customer. | 09/16/2025 |  |  | 1 B A |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977233 |  | 3158618888 |  | 34373480 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | File is missing a Form 442 final inspection indicating the subject property was complete. |  |  |  | Reviewer Comment (2025-09-11): appraisal completion report received<br>Buyer Comment (2025-09-11): Please review Appraisal completion report attached | 09/11/2025 |  |  | 1 C A |  | MN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977235 |  | 3158618890 |  | 34403730 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing E-sign Consent Agreement. Loan Estimate(s) and Closing Disclosure(s) are electronically signed. |  |  |  | Reviewer Comment (2025-09-11): e-consent form received<br>Buyer Comment (2025-09-11): Consent attached | 09/11/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977236 |  | 3158618891 |  | 34375381 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of appraisal delivery to the borrower was not in file. |  |  |  | Reviewer Comment (2025-09-09): appraisal receipt received<br>Buyer Comment (2025-09-09): Please review Appraisal receipt attached. | 09/09/2025 |  |  | 1 B A |  | VA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977236 |  | 3158618891 |  | 34375382 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of appraisal delivery to the borrower was not in file |  |  |  | Reviewer Comment (2025-09-09): appraisal receipt received<br>Buyer Comment (2025-09-09): Please review Appraisal receipt attached | 09/09/2025 |  |  | 1 B A |  | VA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977238 |  | 3158618898 |  | 34374555 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted]on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-09-12): [Redacted] received a valid COC.<br>Buyer Comment (2025-09-11): Please review Funding Request form attached item#10 Changed Circumstance | 09/12/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977241 |  | 3158618903 |  | 34392110 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977241 |  | 3158618903 |  | 34392111 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977241 |  | 3158618903 |  | 34416881 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing evidence of consent to receive electronic disclosures. |  |  |  | Reviewer Comment (2025-09-12): e-consent form received<br>Buyer Comment (2025-09-12): Please review Consent attached | 09/12/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977245 |  | 3158618908 |  | 34401771 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2025-09-10): appraisal acknowledgement form in file. | 09/10/2025 |  |  | 1 B A |  | GA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977253 |  | 3158618927 |  | 34377282 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of final appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-12): appraisal receipt received<br>Buyer Comment (2025-09-12): Please review Appraisal receipt attached | 09/12/2025 |  |  | 1 B A |  | LA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977253 |  | 3158618927 |  | 34377284 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of preliminary appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-09-12): appraisal receipt received<br>Buyer Comment (2025-09-12): Appraisal receipt attached | 09/12/2025 |  |  | 1 B A |  | LA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977253 |  | 3158618927 |  | 34377287 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Total 10% tolerance fees disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase(s) and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-09-18): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-09-18): Please review curative documents attached PCCD, letter, refund, proof<br>Reviewer Comment (2025-09-17): [Redacted] received Lender explanation for email confirmation. However, the loan amount increase of $[Redacted] from $[Redacted] on LE dated [Redacted], but the fees were increased on [Redacted] CD. Moreover, Title commitment in the loan file completed on [Redacted] and triggering the need to disclose all applicable fees within that timing requirement. This is outside of the required three-day timeline for notification of borrower. If there was an additional reason the fees are increased, we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure.<br>Buyer Comment (2025-09-15): Lender explanation emails attached confirming title change/date , please review attached doc's<br>Reviewer Comment (2025-09-15): [Redacted]: The COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on why the Title fee were increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the lender title insurance and endorsement fee was increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-09-12): additional CIC for Lenders Title increase attached<br>Buyer Comment (2025-09-12): Please review valid Change in Circumstance form attached |  | 09/18/2025 |  | 2 C B |  | LA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223977260 |  | 3158618940 |  | 34391415 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-12): appraisal receipt received<br>Buyer Comment (2025-09-12): Please review Appraisal receipt attached | 09/12/2025 |  |  | 1 B A |  | GA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223977268 |  | 3158618961 |  | 34395830 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-09-15): appraisal receipt received<br>Buyer Comment (2025-09-15): Please review Appraisal confirmation attached | 09/15/2025 |  |  | 1 B A |  | DC | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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## Exhibit 99.10

**Exhibit 99.10**

![](situsamc_logo.jpg)

**Valuation Report**

**Run Date - 9/22/2025 2:58:00 PM**

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 223976947 |  | 3158618271 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 223976948 |  | 3158618275 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| 223976949 |  | 3158618279 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.80 |
| 223976950 |  | 3158618284 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223976951 |  | 3158618286 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223976952 |  | 3158618289 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 223976953 |  | 3158618290 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.20 |
| 223976954 |  | 3158618299 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| 223976955 |  | 3158618300 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 223976956 |  | 3158618305 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| 223976957 |  | 3158618306 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| 223976958 |  | 3158618309 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.40 |
| 223976959 |  | 3158618311 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223976960 |  | 3158618312 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| 223976961 |  | 3158618316 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.70 |
| 223976962 |  | 3158618318 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 223976963 |  | 3158618319 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.220% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| 223976964 |  | 3158618328 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223976965 |  | 3158618329 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223976966 |  | 3158618333 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| 223976967 |  | 3158618334 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 223976968 |  | 3158618335 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223976969 |  | 3158618339 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.40 |
| 223976970 |  | 3158618342 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223976971 |  | 3158618345 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| 223976972 |  | 3158618346 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223976973 |  | 3158618347 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.90 |
| 223976974 |  | 3158618350 |  |  |  |  |  |  |  | 0.610% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| 223976975 |  | 3158618351 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| 223976976 |  | 3158618352 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.10 |
| 223976977 |  | 3158618353 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.430% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| 223976978 |  | 3158618358 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.70 |
| 223976979 |  | 3158618359 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223976980 |  | 3158618363 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 223976981 |  | 3158618364 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 223976982 |  | 3158618366 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 223976983 |  | 3158618367 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.10 |
| 223976984 |  | 3158618369 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 223976985 |  | 3158618372 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
| 223976986 |  | 3158618373 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
| 223976987 |  | 3158618375 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223976988 |  | 3158618380 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| 223976989 |  | 3158618381 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 223976990 |  | 3158618382 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 223976991 |  | 3158618385 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| 223976992 |  | 3158618386 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223976993 |  | 3158618388 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 223976994 |  | 3158618389 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.70 |
| 223976995 |  | 3158618391 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| 223976996 |  | 3158618393 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 223976997 |  | 3158618395 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 223976998 |  | 3158618398 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 223976999 |  | 3158618399 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223977000 |  | 3158618400 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| 223977001 |  | 3158618402 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.60 |
| 223977002 |  | 3158618405 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977003 |  | 3158618406 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.60 |
| 223977004 |  | 3158618407 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 223977005 |  | 3158618412 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| 223977006 |  | 3158618413 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977007 |  | 3158618414 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| 223977008 |  | 3158618416 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 223977009 |  | 3158618425 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| 223977010 |  | 3158618426 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 223977011 |  | 3158618428 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.40 |
| 223977012 |  | 3158618432 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 223977013 |  | 3158618433 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| 223977014 |  | 3158618435 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| 223977015 |  | 3158618438 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |
| 223977016 |  | 3158618444 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 223977017 |  | 3158618445 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 223977018 |  | 3158618446 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.60 |
| 223977019 |  | 3158618448 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 223977020 |  | 3158618449 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.30 |
| 223977021 |  | 3158618450 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977022 |  | 3158618451 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.70 |
| 223977023 |  | 3158618452 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 223977024 |  | 3158618457 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.10 |
| 223977025 |  | 3158618458 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| 223977026 |  | 3158618459 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 223977027 |  | 3158618463 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 223977028 |  | 3158618465 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.10 |
| 223977029 |  | 3158618467 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.70 |
| 223977030 |  | 3158618468 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.700% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| 223977031 |  | 3158618469 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977032 |  | 3158618470 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 223977033 |  | 3158618472 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.00 |
| 223977034 |  | 3158618473 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| 223977035 |  | 3158618474 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223977036 |  | 3158618475 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.80 |
| 223977037 |  | 3158618481 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| 223977038 |  | 3158618485 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 223977039 |  | 3158618487 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223977040 |  | 3158618488 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.60 |
| 223977041 |  | 3158618493 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 223977042 |  | 3158618495 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 223977043 |  | 3158618497 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.70 |
| 223977044 |  | 3158618498 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223977045 |  | 3158618500 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| 223977046 |  | 3158618501 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223977047 |  | 3158618504 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.90 |
| 223977048 |  | 3158618506 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 223977049 |  | 3158618507 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 223977050 |  | 3158618509 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.30 |
| 223977051 |  | 3158618510 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223977052 |  | 3158618511 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977053 |  | 3158618513 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977054 |  | 3158618514 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 223977055 |  | 3158618515 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 223977056 |  | 3158618516 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977057 |  | 3158618517 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223977058 |  | 3158618527 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.70 |
| 223977059 |  | 3158618528 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 223977060 |  | 3158618529 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977061 |  | 3158618530 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| 223977062 |  | 3158618533 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 |
| 223977063 |  | 3158618534 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.80 |
| 223977064 |  | 3158618538 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977065 |  | 3158618541 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| 223977066 |  | 3158618542 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223977067 |  | 3158618545 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| 223977068 |  | 3158618547 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 223977069 |  | 3158618548 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977070 |  | 3158618552 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| 223977071 |  | 3158618553 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| 223977072 |  | 3158618554 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.340% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| 223977073 |  | 3158618555 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 14.750% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| 223977074 |  | 3158618559 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| 223977075 |  | 3158618562 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.40 |
| 223977076 |  | 3158618563 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 223977077 |  | 3158618565 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977078 |  | 3158618566 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 223977079 |  | 3158618568 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 223977080 |  | 3158618570 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 223977081 |  | 3158618574 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| 223977082 |  | 3158618575 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 223977083 |  | 3158618576 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 223977084 |  | 3158618578 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.470% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977085 |  | 3158618579 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223977086 |  | 3158618580 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 |
| 223977087 |  | 3158618584 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 223977088 |  | 3158618585 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| 223977089 |  | 3158618591 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 223977090 |  | 3158618592 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.00 |
| 223977091 |  | 3158618593 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| 223977092 |  | 3158618596 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 223977093 |  | 3158618597 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.00 |
| 223977094 |  | 3158618598 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 223977095 |  | 3158618599 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977096 |  | 3158618600 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223977097 |  | 3158618604 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223977098 |  | 3158618607 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977099 |  | 3158618608 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223977100 |  | 3158618609 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.70 |
| 223977101 |  | 3158618610 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 223977102 |  | 3158618611 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977103 |  | 3158618613 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| 223977104 |  | 3158618617 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.50 |
| 223977105 |  | 3158618619 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| 223977106 |  | 3158618620 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| 223977107 |  | 3158618623 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| 223977108 |  | 3158618626 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223977109 |  | 3158618627 |  |  |  |  |  |  |  | 1.330% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 223977110 |  | 3158618628 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223977111 |  | 3158618635 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.600% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.600% |  |  |  |  |  |  |  |  | No |  |  |
| 223977112 |  | 3158618638 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 223977113 |  | 3158618641 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.30 |
| 223977114 |  | 3158618642 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977115 |  | 3158618643 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.510% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.510% |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 |
| 223977116 |  | 3158618644 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.30 |
| 223977117 |  | 3158618646 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 223977118 |  | 3158618647 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.640% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.640% |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 223977119 |  | 3158618649 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977120 |  | 3158618651 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.50 |
| 223977121 |  | 3158618654 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977122 |  | 3158618655 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| 223977123 |  | 3158618662 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977124 |  | 3158618668 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 223977125 |  | 3158618670 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| 223977126 |  | 3158618671 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| 223977127 |  | 3158618673 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.30 |
| 223977128 |  | 3158618675 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.530% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 223977129 |  | 3158618676 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223977130 |  | 3158618677 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.500% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 223977131 |  | 3158618679 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223977132 |  | 3158618680 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977133 |  | 3158618682 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977134 |  | 3158618685 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 |
| 223977135 |  | 3158618687 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| 223977136 |  | 3158618688 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| 223977137 |  | 3158618689 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 223977138 |  | 3158618690 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 223977139 |  | 3158618692 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 223977140 |  | 3158618696 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977141 |  | 3158618697 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| 223977142 |  | 3158618698 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223977143 |  | 3158618700 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.60 |
| 223977144 |  | 3158618702 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 223977145 |  | 3158618703 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| 223977146 |  | 3158618704 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| 223977147 |  | 3158618705 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 223977148 |  | 3158618706 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977149 |  | 3158618707 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 223977150 |  | 3158618708 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223977151 |  | 3158618712 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.80 |
| 223977152 |  | 3158618713 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.790% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.790% |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| 223977153 |  | 3158618718 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 223977154 |  | 3158618720 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 223977155 |  | 3158618721 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| 223977156 |  | 3158618727 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977157 |  | 3158618731 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 223977158 |  | 3158618733 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 223977159 |  | 3158618734 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.630% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 223977160 |  | 3158618735 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977161 |  | 3158618736 |  |  |  |  |  |  |  | 0.170% |  |  |  | Appraisal |  |  |  |  |  |  | 2.090% |  |  | Appraisal |  |  |  |  |  | 0.000% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.40 |
| 223977162 |  | 3158618737 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| 223977163 |  | 3158618739 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.70 |
| 223977164 |  | 3158618742 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 223977165 |  | 3158618743 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223977166 |  | 3158618745 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977167 |  | 3158618749 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.10 |
| 223977168 |  | 3158618750 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
| 223977169 |  | 3158618752 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 223977170 |  | 3158618754 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.640% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.640% |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| 223977171 |  | 3158618755 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.70 |
| 223977172 |  | 3158618756 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| 223977173 |  | 3158618757 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 223977174 |  | 3158618761 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223977175 |  | 3158618762 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223977176 |  | 3158618763 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| 223977177 |  | 3158618764 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 223977178 |  | 3158618767 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977179 |  | 3158618768 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| 223977180 |  | 3158618770 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.470% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.470% |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| 223977181 |  | 3158618772 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| 223977182 |  | 3158618773 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| 223977183 |  | 3158618776 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 223977184 |  | 3158618778 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| 223977185 |  | 3158618781 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 223977186 |  | 3158618785 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.40 |
| 223977187 |  | 3158618786 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 223977188 |  | 3158618789 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223977189 |  | 3158618793 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 223977190 |  | 3158618794 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.020% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.020% |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| 223977191 |  | 3158618796 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 |
| 223977192 |  | 3158618797 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 223977193 |  | 3158618800 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 223977194 |  | 3158618801 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223977195 |  | 3158618802 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| 223977196 |  | 3158618803 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 223977197 |  | 3158618805 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 223977198 |  | 3158618806 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977199 |  | 3158618807 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 223977200 |  | 3158618809 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223977201 |  | 3158618813 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| 223977202 |  | 3158618817 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223977203 |  | 3158618822 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977204 |  | 3158618823 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.700% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.700% |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 |
| 223977205 |  | 3158618826 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.610% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.610% |  |  |  |  |  |  |  |  | No | 3.00 | 4.00 |
| 223977206 |  | 3158618828 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 223977207 |  | 3158618829 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977208 |  | 3158618830 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| 223977209 |  | 3158618832 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977210 |  | 3158618833 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 223977211 |  | 3158618834 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.560% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.560% |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 223977212 |  | 3158618838 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 223977213 |  | 3158618841 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 223977214 |  | 3158618844 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 223977215 |  | 3158618846 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| 223977216 |  | 3158618847 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977217 |  | 3158618848 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| 223977218 |  | 3158618852 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.950% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.950% |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| 223977219 |  | 3158618854 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977220 |  | 3158618857 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| 223977221 |  | 3158618859 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| 223977222 |  | 3158618861 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| 223977223 |  | 3158618864 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 223977224 |  | 3158618866 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223977225 |  | 3158618869 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.30 |
| 223977226 |  | 3158618871 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| 223977227 |  | 3158618872 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 223977228 |  | 3158618876 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 223977229 |  | 3158618878 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223977230 |  | 3158618879 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 223977231 |  | 3158618880 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| 223977232 |  | 3158618885 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 223977233 |  | 3158618888 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.020% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.020% |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.60 |
| 223977234 |  | 3158618889 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977235 |  | 3158618890 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| 223977236 |  | 3158618891 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.00 |
| 223977237 |  | 3158618893 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| 223977238 |  | 3158618898 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 223977239 |  | 3158618900 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223977240 |  | 3158618902 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 223977241 |  | 3158618903 |  |  |  |  |  |  |  | 1.770% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223977242 |  | 3158618904 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| 223977243 |  | 3158618906 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 223977244 |  | 3158618907 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 223977245 |  | 3158618908 |  |  |  |  |  |  |  | 0.200% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 223977246 |  | 3158618915 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 223977247 |  | 3158618918 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 223977248 |  | 3158618919 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223977249 |  | 3158618920 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 223977250 |  | 3158618923 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977251 |  | 3158618924 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 223977252 |  | 3158618925 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.90 |
| 223977253 |  | 3158618927 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 223977254 |  | 3158618928 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223977255 |  | 3158618929 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 223977256 |  | 3158618930 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| 223977257 |  | 3158618932 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 223977258 |  | 3158618935 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| 223977259 |  | 3158618936 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.80 |
| 223977260 |  | 3158618940 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977261 |  | 3158618942 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223977262 |  | 3158618943 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| 223977263 |  | 3158618945 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| 223977264 |  | 3158618950 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.70 |
| 223977265 |  | 3158618957 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.50 |
| 223977266 |  | 3158618959 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| 223977267 |  | 3158618960 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.40 |
| 223977268 |  | 3158618961 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223977269 |  | 3158618962 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 223977270 |  | 3158618963 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.60 |

---

## Exhibit 99.11

**Exhibit 99.11**

![](situsamc_logo.jpg)

**Data Compare Summary (Total)**

**Run Date - 9/22/2025 2:57:32 PM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 7 | 324 | 2.16% | 324 |
| State | 0 | 324 | 0.00% | 324 |
| Zip | 0 | 324 | 0.00% | 324 |
| Note Date | 5 | 324 | 1.54% | 324 |
| Original Loan Amount | 0 | 324 | 0.00% | 324 |
| Amortization Term | 0 | 324 | 0.00% | 324 |
| Original Interest Rate | 0 | 324 | 0.00% | 324 |
| Borrower Qualifying FICO | 5 | 323 | 1.55% | 324 |
| Coborrower Qualifying FICO | 2 | 209 | 0.96% | 324 |
| Amortization Type | 0 | 324 | 0.00% | 324 |
| Representative FICO | 3 | 324 | 0.93% | 324 |
| Property Type | 6 | 324 | 1.85% | 324 |
| Interest Only | 0 | 324 | 0.00% | 324 |
| Lien Position | 0 | 324 | 0.00% | 324 |
| Occupancy | 0 | 324 | 0.00% | 324 |
| Purpose | 0 | 324 | 0.00% | 324 |
| Appraised Value | 0 | 324 | 0.00% | 324 |
| Contract Sales Price | 11 | 324 | 3.40% | 324 |
| Balloon Flag | 0 | 324 | 0.00% | 324 |
| Original CLTV | 1 | 324 | 0.31% | 324 |
| Original LTV | 1 | 324 | 0.31% | 324 |
| Origination Channel | 0 | 324 | 0.00% | 324 |
| Appraisal Effective Date | 1 | 324 | 0.31% | 324 |
| Investor: Qualifying Total Debt Ratio | 15 | 324 | 4.63% | 324 |
| Initial Rate Lock Date | 68 | 324 | 20.99% | 324 |
| **Total** | **125** | **7984** | **1.57%** | **324** |

---

## Exhibit 99.12

**Exhibit 99.12**

![](situsamc_logo.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 9/22/2025 2:59:03 PM**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 223976947 |  | 3158618271 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference due to amount of taxes used - Lender used fully assessed <br> estimate and review DTI reflects the amt based on documented amounts <br> for escrow. |
| 223976947 |  | 3158618271 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223976948 |  | 3158618275 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field value DTI matches 1008 in file |
| 223976951 |  | 3158618286 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223976962 |  | 3158618318 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Variance in DTI is due to taxes on the subject property. Field review taxes are based on final CD information. |
| 223976967 |  | 3158618334 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches the 1008 and AUS in file. |
| 223976967 |  | 3158618334 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223976969 |  | 3158618339 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223976970 |  | 3158618342 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223976971 |  | 3158618345 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223976977 |  | 3158618353 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223976980 |  | 3158618363 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223976983 |  | 3158618367 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223976986 |  | 3158618373 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223976996 |  | 3158618393 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 223977001 |  | 3158618402 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | variance due to bid tape DTI included departing residence PITI, however, there is proof of sale of departing prior to close of subject loan |
| 223977010 |  | 3158618426 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Security Instrument |
| 223977010 |  | 3158618426 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 223977015 |  | 3158618438 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977017 |  | 3158618445 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977019 |  | 3158618448 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977020 |  | 3158618449 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches the 1008 DTI |
| 223977023 |  | 3158618452 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223977029 |  | 3158618467 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977038 |  | 3158618485 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977039 |  | 3158618487 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977044 |  | 3158618498 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 223977047 |  | 3158618504 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977052 |  | 3158618511 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977054 |  | 3158618514 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977056 |  | 3158618516 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977061 |  | 3158618530 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223977061 |  | 3158618530 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977062 |  | 3158618533 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977064 |  | 3158618538 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977067 |  | 3158618545 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977069 |  | 3158618548 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223977073 |  | 3158618555 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977080 |  | 3158618570 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977082 |  | 3158618575 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977083 |  | 3158618576 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977084 |  | 3158618578 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches 1008 DTI. |
| 223977086 |  | 3158618580 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977088 |  | 3158618585 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977093 |  | 3158618597 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977094 |  | 3158618598 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 223977099 |  | 3158618608 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977100 |  | 3158618609 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223977107 |  | 3158618623 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977111 |  | 3158618635 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977111 |  | 3158618635 |  |  | Original CLTV | [Redacted] | [Redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223977111 |  | 3158618635 |  |  | Original LTV | [Redacted] | [Redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223977113 |  | 3158618641 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977116 |  | 3158618644 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977119 |  | 3158618649 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 223977122 |  | 3158618655 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977123 |  | 3158618662 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977124 |  | 3158618668 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977127 |  | 3158618673 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 223977127 |  | 3158618673 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 223977127 |  | 3158618673 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223977127 |  | 3158618673 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977131 |  | 3158618679 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977134 |  | 3158618685 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 223977134 |  | 3158618685 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 223977134 |  | 3158618685 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223977136 |  | 3158618688 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977140 |  | 3158618696 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977141 |  | 3158618697 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977142 |  | 3158618698 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977145 |  | 3158618703 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977146 |  | 3158618704 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977150 |  | 3158618708 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Variance is due to bid tape DTI ratio does not include property taxes for the subject property |
| 223977150 |  | 3158618708 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977154 |  | 3158618720 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977156 |  | 3158618727 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977159 |  | 3158618734 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977168 |  | 3158618750 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977169 |  | 3158618752 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977169 |  | 3158618752 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977172 |  | 3158618756 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977173 |  | 3158618757 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference appears to be due to amount of property taxes used. Review amount was taken from screen shot in file of current tax amount. |
| 223977173 |  | 3158618757 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977176 |  | 3158618763 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977179 |  | 3158618768 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977180 |  | 3158618770 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977184 |  | 3158618778 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977188 |  | 3158618789 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977189 |  | 3158618793 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977191 |  | 3158618796 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977192 |  | 3158618797 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977194 |  | 3158618801 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977194 |  | 3158618801 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977201 |  | 3158618813 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223977203 |  | 3158618822 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977209 |  | 3158618832 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 223977213 |  | 3158618841 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223977214 |  | 3158618844 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977219 |  | 3158618854 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977221 |  | 3158618859 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977222 |  | 3158618861 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977233 |  | 3158618888 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 223977233 |  | 3158618888 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference due to amount of property taxes. Appears Lender used an estimate of fully assessed and review used the amount used for escrows documented in file. |
| 223977233 |  | 3158618888 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977236 |  | 3158618891 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977237 |  | 3158618893 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 223977238 |  | 3158618898 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | DTI on 1008 in file is [Redacted], which is within 2% of the field value DTI.. |
| 223977239 |  | 3158618900 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977240 |  | 3158618902 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 223977240 |  | 3158618902 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches DTI on 1008. |
| 223977240 |  | 3158618902 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977241 |  | 3158618903 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977244 |  | 3158618907 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 223977249 |  | 3158618920 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 223977249 |  | 3158618920 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches the 1008 DTI |
| 223977252 |  | 3158618925 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223977254 |  | 3158618928 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 223977255 |  | 3158618929 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | File value DTI matches the 1008 and AUS in file. |
| 223977258 |  | 3158618935 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 223977258 |  | 3158618935 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 223977260 |  | 3158618940 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches the 1008 in file. |
| 223977269 |  | 3158618962 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 223977269 |  | 3158618962 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 223977269 |  | 3158618962 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 223977269 |  | 3158618962 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |

---