# EDGAR Filing Document

**Accession Number:** 0001991364
**File Stem:** 0001539497-26-000802
**Filing Date:** 2026-2
**Character Count:** 618958
**Document Hash:** dde0f3fb015824eab4ed2bcf98e5b2be
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-26-000802.hdr.sgml**: 20260226

**ACCESSION NUMBER**: 0001539497-26-000802

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

**PUBLIC DOCUMENT COUNT**: 36

**CONFORMED PERIOD OF REPORT**: 20260226

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

**FILED AS OF DATE**: 20260226

**DATE AS OF CHANGE**: 20260226

**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:** 26684253

**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): ☐

☒ 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 2026-3** |
| &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.

---

| | |
|:---|:---|
| &nbsp;&nbsp;Date: February 26, 2026 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> J.P. MORGAN RESIDENTIAL MORTGAGE <br> ACCEPTANCE CORP. (Depositor)<br>By: <u>/s/ Bithun John</u> <br> Name: Bithun John<br> 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

99.13 AMC Pool 3 Executive Summary

99.14 AMC Pool 3 Rating Agency Grades

99.15 AMC Pool 3 Exception Grades

99.16 AMC Pool 3 Valuation Report

99.17 AMC Pool 3 Data Compare Summary

99.18 AMC Pool 3 Data Compare

## Exhibit 99.1

**Exhibit 99.1**

![](n5713x1ex991img001.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 August 2025 to November 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 June 2025 to September 2025.

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

The Review was conducted on a total population of four (4) 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;LTV Valuation Value | &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

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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, |

---

---

| | |
|:---|:---|
| 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 |

---

---

| | |
|:---|:---|
| 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. |

---

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 four (4) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, three (3) 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;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**1** |
| &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;**1** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the four (4) loans reviewed, under the applicable NRSRO grading criteria, three (3) loans had a Compliance Review "A" grade, and one (1) loan had a Compliance Review "B" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the four (4) 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;4 | &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% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Of the four (4) loans reviewed, under the applicable NRSRO grading criteria, all the loans had a Credit Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &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 four (4) mortgage loans reviewed, there was one (1) loan with one (1) tape discrepancy for Initial Rate Lock Date.

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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;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |

---

12 \| P a g e

![](n5713x1ex991img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**96** | &nbsp;&nbsp;**1.04%** | &nbsp;&nbsp;**4** |

---

**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** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4787500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4787500.00** | &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;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4787500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4787500.00** | &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;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4787500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4787500.00** | &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;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$2000000.00 | &nbsp;&nbsp;41.78% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$2787500.00 | &nbsp;&nbsp;58.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4787500.00** | &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;241-360 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$4787500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4787500.00** | &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;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$944000.00 | &nbsp;&nbsp;19.72% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$3843500.00 | &nbsp;&nbsp;80.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4787500.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |

---

13 \| P a g e

![](n5713x1ex991img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;3 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$3887500.00 | &nbsp;&nbsp;81.20% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;$900000.00 | &nbsp;&nbsp;18.80% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$4787500.00** | &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;**Exception** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |

---

14 \| P a g e

## Exhibit 99.2

**Exhibit 99.2**

![](n5713x1ex992img001.jpg)

**Rating Agency Grades**

**Run Date - 2/24/2026 10:01:14 AM** 

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 223806693 |  | 3158622212 |  |  | A | C | A | C | A | B | A | B |  |
| 224168849 |  | 3158622477 |  |  | C | C | A | C | A | A | A | A |  |
| 224304526 |  | 3158622220 |  |  | A | A | A | A | A | A | A | A |  |
| 224304572 |  | 3158622254 |  |  | C | A | A | C | A | A | A | A |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](n5713x1ex993img001.jpg)

**Exception Grades**

**Run Date - 2/24/2026 10:01:14 AM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 223806693 |  | 3158622212 |  | 34137034 |  | 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 (2025-08-07): appraisal receipt received<br>Buyer Comment (2025-08-07): Please review Appraisal receipt attached | 08/07/2025 |  |  | 1 B A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223806693 |  | 3158622212 |  | 34137035 |  | 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 secondary appraisal delivery to the borrower was not located in the file. |  |  |  | Reviewer Comment (2025-08-07): appraisal receipt received<br>Buyer Comment (2025-08-07): Appraisal receipt attached | 08/07/2025 |  |  | 1 B A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223806693 |  | 3158622212 |  | 34137037 |  | 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 $[Redacted] was added to 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 Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-15): Please review proof of delivery attached<br>Reviewer Comment (2025-09-15): [Redacted] received Post CD,LOX and Copy of refund check. However, we would also require proof of mailing in order to cure the exception.<br>Buyer Comment (2025-09-11): Please review evidence of cure, check attached<br>Buyer Comment (2025-09-11): Please review evidence of cure attached PCCD letter |  | 09/16/2025 |  | 2 C B |  | VA | 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 |
| 224168849 |  | 3158622477 |  | 34622007 |  | 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 (2025-10-07): final title policy received<br>Buyer Comment (2025-10-07): Final Title Policy Provided | 10/07/2025 |  |  | 1 B A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168849 |  | 3158622477 |  | 34622726 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of HOA document. |  |  |  | Reviewer Comment (2025-10-08): REO documentation in file is sufficient<br>Buyer Comment (2025-10-08): This is a SFR - see attached evidence of same | 10/08/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168849 |  | 3158622477 |  | 34622797 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of HOA document. |  |  |  | Reviewer Comment (2025-10-08): REO documentation in file is sufficient<br>Buyer Comment (2025-10-08): HOA is verified on 1040's since this is a rental | 10/08/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

| 224168849 |  | 3158622477 |  | 34623113 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  |  | Reviewer Comment (2025-10-20): Evidence of receipt provided<br>Buyer Comment (2025-10-20): Do not Concur. Pursuant to 1026.22(a)(1) an error in disclosure of the annual percentage rate or finance charge shall not, in itself, be considered a violation of this part if, under § 1026.22(a)(4) the rate results from the disclosed finance charge and the disclosed finance charge would be considered accurate under § 1026.18(d)(1) or § 1026.38(o)(2), as applicable, or, for purposes of rescission, if the disclosed finance charge would be considered accurate under § 1026.23(g) or (h), whichever applies. <br> Furthermore, under § 1026.22(a)(5)(ii) if the disclosed finance charge is overstated, and the disclosed annual percentage rate is also overstated but it is closer to the actual annual percentage rate than the rate that would be considered accurate under paragraph 1026.22 (a)(4). <br>Per 1026.18(d)(1)(ii) The disclosed finance charge and other disclosures affected by the disclosed finance charge (including the amount financed and the annual percentage rate) shall be treated as accurate if the amount disclosed as the finance charge is greater than the amount required to be disclosed.<br>Similarly, 1026.38(o)(2)(ii) The disclosed finance charge and other disclosures affected by the disclosed financed charge (including the amount financed and the annual percentage rate) shall be treated as accurate if the amount disclosed as the finance charge is greater than the amount required to be disclosed.<br>Reviewer Comment (2025-10-15): Closing took place on[Redacted] which indicates final receipt date for changes over .[Redacted]% would be [Redacted]. Any change, up or down over .[Redacted]% requires a three-day waiting period. This is a timing exception with no visible means of cure.<br>Reviewer Comment (2025-10-15): Cancelled in error.<br>Reviewer Comment (2025-10-08): Upon further review, timing met.<br>Buyer Comment (2025-10-07): Do not Concur. Under Regulation Z (Truth in Lending Act), when the APR decreases and goes out of tolerance due to an overdisclosure of the finance charge, the APR is still considered accurate and no new waiting period is required. | 10/20/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168849 |  | 3158622477 |  | 34623114 |  | 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]. $[Redacted] over legal limit. 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 (2025-10-08): [Redacted] received valid COC document<br>Buyer Comment (2025-10-07): Do not Concur. Valid CICs for loan amount, loan discount points, product change, interest rate on [Redacted]. CDv6 and 7 disclosed timely higher points. Points decreased at closing. No cure due back. | 10/08/2025 |  |  | 1 C A |  | AZ | 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 |
| 224304572 |  | 3158622254 |  | 34859194 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-11-10): final title policy received | 11/10/2025 |  |  | 1 A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224304572 |  | 3158622254 |  | 34859204 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title report did not include the title policy amount. |  |  |  | Reviewer Comment (2025-11-10): final title policy received<br>Buyer Comment (2025-11-10): See attached Title Policy reflecting coverage. | 11/10/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.4

**Exhibit 99.4**

![](n5713x1ex994img001.jpg)

**Valuation Report**

**Run Date - 2/24/2026 10:01:14 AM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 223806693 |  | 3158622212 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.090% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 224168849 |  | 3158622477 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| 224304526 |  | 3158622220 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224304572 |  | 3158622254 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |

---

## Exhibit 99.5

**Exhibit 99.5**

![](n5713x1ex995img001.jpg)

**Data Compare Summary (Total)**

**Run Date - 2/24/2026 10:00:42 AM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 4 | 0.00% | 4 |
| State | 0 | 4 | 0.00% | 4 |
| Zip | 0 | 4 | 0.00% | 4 |
| Note Date | 0 | 4 | 0.00% | 4 |
| Original Loan Amount | 0 | 4 | 0.00% | 4 |
| Amortization Term | 0 | 4 | 0.00% | 4 |
| Original Interest Rate | 0 | 4 | 0.00% | 4 |
| Borrower Qualifying FICO | 0 | 4 | 0.00% | 4 |
| Coborrower Qualifying FICO | 0 | 3 | 0.00% | 4 |
| Amortization Type | 0 | 4 | 0.00% | 4 |
| Representative FICO | 0 | 4 | 0.00% | 4 |
| Property Type | 0 | 4 | 0.00% | 4 |
| Lien Position | 0 | 4 | 0.00% | 4 |
| Occupancy | 0 | 4 | 0.00% | 4 |
| Purpose | 0 | 4 | 0.00% | 4 |
| Appraised Value | 0 | 3 | 0.00% | 4 |
| Contract Sales Price | 0 | 4 | 0.00% | 4 |
| Balloon Flag | 0 | 4 | 0.00% | 4 |
| Original CLTV | 0 | 4 | 0.00% | 4 |
| Original LTV | 0 | 4 | 0.00% | 4 |
| Origination Channel | 0 | 4 | 0.00% | 4 |
| Appraisal Effective Date | 0 | 4 | 0.00% | 4 |
| Investor: Qualifying Total Debt Ratio | 0 | 4 | 0.00% | 4 |
| Initial Rate Lock Date | 1 | 4 | 25.00% | 4 |
| Interest Only | 0 | 1 | 0.00% | 4 |
| LTV Valuation Value | 0 | 1 | 0.00% | 4 |
| **Total** | **1** | **96** | **1.04%** | **4** |

---

## Exhibit 99.6

**Exhibit 99.6**

![](n5713x1ex996img001.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 2/24/2026 10:01:55 AM**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 224168849 |  | 3158622477 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

---

## Exhibit 99.7

**Exhibit 99.7**

![](n5713x1ex997img001.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**") during February 2026 via files imaged and provided by JPMorgan Chase Bank, N.A. for review (the "**Review**").

The loans in the Review carried origination dates of October 2025.

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

The Review was conducted on a total population of two (2) 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;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Initial Rate Lock Date | &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;Note Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Zip |

---

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 appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from

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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, |

---

---

| | |
|:---|:---|
| 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 |

---

---

| | |
|:---|:---|
| 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. |

---

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 two (2) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, both loans had an Overall loan grade of "A".

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**0** |
| &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;**0** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the two (2) loans reviewed, under the applicable NRSRO grading criteria, all the loans had a Compliance Review "A" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the two (2) 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;2 | &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% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Of the two (2) loans reviewed, under the applicable NRSRO grading criteria, all the 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;2 | &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 two (2) mortgage loans reviewed, there were no loans with a tape discrepancy.

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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;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**48** | &nbsp;&nbsp;**0.00%** | &nbsp;&nbsp;**2** |

---

**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;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2100500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2100500.00** | &nbsp;&nbsp;**100.00%** |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &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;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2100500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2100500.00** | &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;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2100500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2100500.00** | &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;Other-than-first-time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2100500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2100500.00** | &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;241-360 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2100500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2100500.00** | &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;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$892500.00 | &nbsp;&nbsp;42.49% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$1208000.00 | &nbsp;&nbsp;57.51% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2100500.00** | &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;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$1208000.00 | &nbsp;&nbsp;57.51% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$892500.00 | &nbsp;&nbsp;42.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2100500.00** | &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).

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![](n5713x1ex997img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Grade Impact** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

---

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## Exhibit 99.8

**Exhibit 99.8**

![](n5713x1ex998img001.jpg)

**Rating Agency Grades**

**Run Date - 2/24/2026 10:08:55 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 225084575 |  | 3158622586 |  |  | A | A | D | D | A | A | A | A |  |
| 225084576 |  | 3158622596 |  |  | A | C | A | C | A | A | A | A |  |

---

## Exhibit 99.9

**Exhibit 99.9**

**Exception Grades**

**Run Date - 2/24/2026 10:08:56 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **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** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 225084575 |  | 3158622586 |  | 35813881 |  |  | 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 (2026-02-18): desk review received, with a value supporting the appraisal value<br>Buyer Comment (2026-02-18): Please see attached CDA. | 02/18/2026 |  |  | 1 D A | CA | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084576 |  | 3158622596 |  | 35806050 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than [Redacted] business days after the application date of [Redacted]. The property was not identified [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2026-02-17): HBA information received<br>Buyer Comment (2026-02-17): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | 02/17/2026 |  |  | 1 C A | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084576 |  | 3158622596 |  | 35806052 |  |  | 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. $[Redacted] over legal limit. 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 (2026-02-18): [Redacted] received valid COC document<br>Buyer Comment (2026-02-17): Do not Concur. Lock expiration and CIC for loan points [Redacted]. Cdv2 disclosed timely. | 02/18/2026 |  |  | 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 |

---

## Exhibit 99.10

**Exhibit 99.10**

**Valuation Report**

**Run Date - 2/24/2026 10:08:56 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 225084575 |  | 3158622586 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 225084576 |  | 3158622596 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |

---

## Exhibit 99.11

**Exhibit 99.11**

**Data Compare Summary (Total)**

**Run Date - 2/24/2026 10:08:42 AM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 2 | 0.00% | 2 |
| State | 0 | 2 | 0.00% | 2 |
| Zip | 0 | 2 | 0.00% | 2 |
| Note Date | 0 | 2 | 0.00% | 2 |
| Original Loan Amount | 0 | 2 | 0.00% | 2 |
| Amortization Term | 0 | 2 | 0.00% | 2 |
| Original Interest Rate | 0 | 2 | 0.00% | 2 |
| Borrower Qualifying FICO | 0 | 2 | 0.00% | 2 |
| Coborrower Qualifying FICO | 0 | 2 | 0.00% | 2 |
| Amortization Type | 0 | 2 | 0.00% | 2 |
| Representative FICO | 0 | 2 | 0.00% | 2 |
| Property Type | 0 | 2 | 0.00% | 2 |
| Lien Position | 0 | 2 | 0.00% | 2 |
| Occupancy | 0 | 2 | 0.00% | 2 |
| Purpose | 0 | 2 | 0.00% | 2 |
| Appraised Value | 0 | 2 | 0.00% | 2 |
| Contract Sales Price | 0 | 2 | 0.00% | 2 |
| Balloon Flag | 0 | 2 | 0.00% | 2 |
| Original CLTV | 0 | 2 | 0.00% | 2 |
| Original LTV | 0 | 2 | 0.00% | 2 |
| Origination Channel | 0 | 2 | 0.00% | 2 |
| Appraisal Effective Date | 0 | 2 | 0.00% | 2 |
| Investor: Qualifying Total Debt Ratio | 0 | 2 | 0.00% | 2 |
| Initial Rate Lock Date | 0 | 2 | 0.00% | 2 |
| **Total** | **0** | **48** | **0.00%** | **2** |

---

## Exhibit 99.12

**Exhibit 99.12**

**Data Compare (Non-Ignored)**

**Run Date - 2/24/2026 10:10:02 AM**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |

---

## Exhibit 99.13

**Exhibit 99.13**

![](n5713x1ex9913img001.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**") during February 2026 via files imaged and provided by JPMorgan Chase Bank, N.A. for review (the "**Review**").

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

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

The Review was conducted on a total population of two hundred forty-seven (247) loans. Two hundred forty-seven (247) loans were randomly selected by AMC from a population of four hundred thirteen (413) 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;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Initial Rate Lock Date | &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;Note Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Zip |

---

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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![](n5713x1ex9913img001.jpg)

**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, |

---

---

| | |
|:---|:---|
| 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 |

---

---

| | |
|:---|:---|
| 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. |

---

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
disclosures;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&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 two hundred forty-seven (247) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, nine (9) (3.64%) loans had an Overall loan grade of "B" and six (6) (2.43%) loans had an Overall loan grade of "C".

The DBRS, Inc. ("DBRS"), Kroll Bond Rating Agency, Inc. ("Kroll"), and S&P Global Ratings ("S&P") Exception Level Grades are as follows:

---

| | | | |
|:---|:---|:---|:---|
| &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;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &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;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |

---

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---

| | | | |
|:---|:---|:---|:---|
|  |  | &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;**21** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Income / Employment | &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;***3*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**10** |
| &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;**31** |

---

The Fitch Ratings, Inc. ("Fitch"), and Moody's Investors Service, Inc. ("Moody's") Exception Level Grades are as follows:

---

| | | | |
|:---|:---|:---|:---|
| &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;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***10*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;5 |
| &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;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***11*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**21** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Credit Grade (C) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**10** |
| &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;**31** |

---

**COMPLIANCE RESULTS SUMMARY**

After all documents were presented, under the applicable NRSRO grading criteria, six (6) (2.43%) loans had a Compliance loan grade of "B" and six (6) (2.43%) loan had a Compliance loan grade of "C".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;235 | &nbsp;&nbsp;95.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.43% |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;C | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.43% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the two hundred forty-seven (247) loans reviewed, under the applicable NRSRO grading criteria, all loans had a Property Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;247 | &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% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Of the two hundred forty-seven (247) loans reviewed, under the applicable NRSRO grading criteria, two hundred forty (240) mortgage loans (97.17%) of the total received an "A" Credit Review grade. Six (6) mortgage loans (2.43%) 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. One (1) mortgage loan (0.40%) of the total received a "C" Credit Review Grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;240 | &nbsp;&nbsp;97.17% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred forty-seven (247) mortgage loans reviewed, fifty-seven (57) (23.08%) mortgage loans had tape discrepancies across twelve (12) unique data fields. The most common tape discrepancies were Initial Rate Lock Date (14.17%), Note Date (3.64%) and Investor: Qualifying Total Debt Ratio (2.02%).

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;169 | &nbsp;&nbsp;0.59% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;3 | &nbsp;&nbsp;175 | &nbsp;&nbsp;1.71% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;35 | &nbsp;&nbsp;247 | &nbsp;&nbsp;14.17% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;247 | &nbsp;&nbsp;2.02% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;247 | &nbsp;&nbsp;3.64% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;247 |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;247 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;247 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**66** | &nbsp;&nbsp;**5778** | &nbsp;&nbsp;**1.14%** | &nbsp;&nbsp;**247** |

---

**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** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;247 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$337422835.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$337422835.00** | &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;247 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$337422835.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$337422835.00** | &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;247 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$337422835.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$337422835.00** | &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;14 | &nbsp;&nbsp;5.67% | &nbsp;&nbsp;$18816501.00 | &nbsp;&nbsp;5.58% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;31 | &nbsp;&nbsp;12.55% | &nbsp;&nbsp;$42561999.00 | &nbsp;&nbsp;12.61% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;144 | &nbsp;&nbsp;58.30% | &nbsp;&nbsp;$193988757.00 | &nbsp;&nbsp;57.49% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;58 | &nbsp;&nbsp;23.48% | &nbsp;&nbsp;$82055578.00 | &nbsp;&nbsp;24.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$337422835.00** | &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;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$589760.00 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.02% | &nbsp;&nbsp;$6389439.00 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;241 | &nbsp;&nbsp;97.57% | &nbsp;&nbsp;$330443636.00 | &nbsp;&nbsp;97.93% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$337422835.00** | &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;120 | &nbsp;&nbsp;48.58% | &nbsp;&nbsp;$166352382.00 | &nbsp;&nbsp;49.30% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;18 | &nbsp;&nbsp;7.29% | &nbsp;&nbsp;$20319991.00 | &nbsp;&nbsp;6.02% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$2945760.00 | &nbsp;&nbsp;0.87% |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;101 | &nbsp;&nbsp;40.89% | &nbsp;&nbsp;$140487662.00 | &nbsp;&nbsp;41.64% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$4583040.00 | &nbsp;&nbsp;1.36% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.81% | &nbsp;&nbsp;$2734000.00 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$337422835.00** | &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;231 | &nbsp;&nbsp;93.52% | &nbsp;&nbsp;$313967335.00 | &nbsp;&nbsp;93.05% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;16 | &nbsp;&nbsp;6.48% | &nbsp;&nbsp;$23455500.00 | &nbsp;&nbsp;6.95% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$337422835.00** | &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, Kroll, and S&P Exceptions** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Interim Closing Disclosure Timing Product Change | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income/Asset Guideline Deficiency - QM Impact | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;General QM Provision Investor Guidelines Violation | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &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;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Check Loan Designation Match - QM | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;RESPA - Initial Escrow Account statement Inaccurate | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Partial Payments | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income documentation requirements not met. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;REO Documents are missing. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;Credit&nbsp;&nbsp;B | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, and Moody's Exceptions** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Interim Closing Disclosure Timing Product Change | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Check Loan Designation Match - QM | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income/Asset Guideline Deficiency - QM Impact | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;General QM Provision Investor Guidelines Violation | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &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;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;RESPA - Initial Escrow Account statement Inaccurate | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Partial Payments | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income documentation requirements not met. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;REO Documents are missing. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;1 |

---

16 \| P a g e

## Exhibit 99.14

**Exhibit 99.14**

![](n5713x1ex9914img001.jpg)

**Rating Agency Grades**

**Run Date - 2/24/2026 10:19:16 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 225084577 |  | 3158622210 |  |  | A | A | A | A | A | A | A | A |  |
| 225084578 |  | 3158622213 |  |  | B | C | A | C | B | B | A | B |  |
| 225084579 |  | 3158622217 |  |  | C | C | A | C | A | A | A | A |  |
| 225084580 |  | 3158622218 |  |  | C | C | A | C | A | A | A | A |  |
| 225084581 |  | 3158622219 |  |  | A | A | A | A | A | A | A | A |  |
| 225084582 |  | 3158622221 |  |  | A | A | A | A | A | A | A | A |  |
| 225084583 |  | 3158622222 |  |  | A | A | A | A | A | A | A | A |  |
| 225084584 |  | 3158622224 |  |  | A | C | A | C | A | A | A | A |  |
| 225084585 |  | 3158622225 |  |  | A | A | A | A | A | A | A | A |  |
| 225084586 |  | 3158622228 |  |  | C | C | A | C | A | A | A | A |  |
| 225084587 |  | 3158622229 |  |  | A | A | A | A | A | A | A | A |  |
| 225084588 |  | 3158622230 |  |  | A | A | A | A | A | A | A | A |  |
| 225084589 |  | 3158622232 |  |  | A | A | A | A | A | A | A | A |  |
| 225084590 |  | 3158622233 |  |  | A | C | A | C | A | C | A | C |  |
| 225084591 |  | 3158622234 |  |  | A | A | A | A | A | A | A | A |  |
| 225084592 |  | 3158622235 |  |  | C | C | A | C | A | A | A | A |  |
| 225084593 |  | 3158622236 |  |  | A | A | A | A | A | A | A | A |  |
| 225084594 |  | 3158622237 |  |  | B | C | A | C | A | A | A | A |  |
| 225084595 |  | 3158622238 |  |  | A | A | A | A | A | A | A | A |  |
| 225084596 |  | 3158622239 |  |  | A | C | A | C | A | A | A | A |  |
| 225084597 |  | 3158622240 |  |  | A | B | A | B | A | B | A | B |  |
| 225084598 |  | 3158622242 |  |  | A | A | A | A | A | A | A | A |  |
| 225084599 |  | 3158622243 |  |  | A | A | A | A | A | A | A | A |  |
| 225084600 |  | 3158622244 |  |  | C | B | A | C | A | A | A | A |  |
| 225084601 |  | 3158622245 |  |  | A | A | A | A | A | A | A | A |  |
| 225084602 |  | 3158622248 |  |  | A | A | D | D | A | A | A | A |  |
| 225084603 |  | 3158622249 |  |  | A | A | A | A | A | A | A | A |  |
| 225084604 |  | 3158622251 |  |  | A | A | A | A | A | A | A | A |  |
| 225084605 |  | 3158622253 |  |  | A | C | A | C | A | A | A | A |  |
| 225084606 |  | 3158622255 |  |  | A | B | A | B | A | A | A | A |  |
| 225084607 |  | 3158622256 |  |  | A | A | A | A | A | A | A | A |  |
| 225084608 |  | 3158622257 |  |  | A | A | A | A | A | A | A | A |  |
| 225084609 |  | 3158622259 |  |  | C | B | A | C | A | A | A | A |  |
| 225084610 |  | 3158622263 |  |  | A | A | A | A | A | A | A | A |  |
| 225084611 |  | 3158622266 |  |  | A | A | A | A | A | A | A | A |  |
| 225084612 |  | 3158622267 |  |  | A | A | A | A | A | A | A | A |  |
| 225084613 |  | 3158622268 |  |  | A | A | A | A | A | A | A | A |  |
| 225084614 |  | 3158622271 |  |  | A | A | A | A | A | A | A | A |  |
| 225084615 |  | 3158622272 |  |  | A | A | A | A | A | A | A | A |  |
| 225084616 |  | 3158622273 |  |  | A | A | A | A | A | A | A | A |  |
| 225084617 |  | 3158622274 |  |  | A | A | A | A | A | A | A | A |  |
| 225084618 |  | 3158622277 |  |  | D | A | D | D | A | A | A | A |  |
| 225084619 |  | 3158622279 |  |  | A | B | A | B | A | A | A | A |  |
| 225084620 |  | 3158622280 |  |  | A | A | A | A | A | A | A | A |  |
| 225084621 |  | 3158622281 |  |  | A | A | A | A | A | A | A | A |  |
| 225084622 |  | 3158622282 |  |  | A | B | A | B | A | A | A | A |  |
| 225084623 |  | 3158622283 |  |  | A | C | A | C | A | C | A | C |  |
| 225084624 |  | 3158622285 |  |  | A | A | A | A | A | A | A | A |  |
| 225084625 |  | 3158622287 |  |  | C | A | A | C | A | A | A | A |  |
| 225084626 |  | 3158622289 |  |  | A | A | A | A | A | A | A | A |  |
| 225084627 |  | 3158622290 |  |  | A | A | C | C | A | A | A | A |  |
| 225084628 |  | 3158622291 |  |  | A | A | A | A | A | A | A | A |  |
| 225084629 |  | 3158622292 |  |  | A | A | A | A | A | A | A | A |  |
| 225084630 |  | 3158622295 |  |  | A | A | A | A | A | A | A | A |  |
| 225084631 |  | 3158622296 |  |  | A | A | A | A | A | A | A | A |  |
| 225084632 |  | 3158622297 |  |  | A | A | A | A | A | A | A | A |  |
| 225084633 |  | 3158622299 |  |  | B | A | A | B | A | A | A | A |  |
| 225084634 |  | 3158622301 |  |  | A | A | A | A | A | A | A | A |  |
| 225084635 |  | 3158622304 |  |  | C | A | A | C | A | A | A | A |  |
| 225084636 |  | 3158622305 |  |  | A | A | A | A | A | A | A | A |  |
| 225084637 |  | 3158622306 |  |  | A | A | A | A | A | A | A | A |  |
| 225084638 |  | 3158622308 |  |  | A | A | A | A | A | A | A | A |  |
| 225084639 |  | 3158622309 |  |  | A | B | A | B | A | A | A | A |  |
| 225084640 |  | 3158622310 |  |  | A | A | A | A | A | A | A | A |  |
| 225084641 |  | 3158622312 |  |  | A | A | A | A | A | A | A | A |  |
| 225084642 |  | 3158622313 |  |  | A | A | A | A | A | A | A | A |  |
| 225084643 |  | 3158622316 |  |  | A | A | A | A | A | A | A | A |  |
| 225084644 |  | 3158622317 |  |  | A | A | A | A | A | A | A | A |  |
| 225084645 |  | 3158622318 |  |  | A | A | A | A | A | A | A | A |  |
| 225084646 |  | 3158622320 |  |  | A | A | A | A | A | A | A | A |  |
| 225084647 |  | 3158622321 |  |  | A | A | A | A | A | A | A | A |  |
| 225084648 |  | 3158622322 |  |  | A | A | A | A | A | A | A | A |  |
| 225084649 |  | 3158622323 |  |  | A | A | A | A | A | A | A | A |  |
| 225084650 |  | 3158622324 |  |  | A | A | A | A | A | A | A | A |  |
| 225084651 |  | 3158622326 |  |  | A | B | A | B | A | A | A | A |  |
| 225084652 |  | 3158622328 |  |  | C | A | A | C | A | A | A | A |  |
| 225084653 |  | 3158622334 |  |  | A | A | A | A | A | A | A | A |  |
| 225084654 |  | 3158622335 |  |  | A | A | A | A | A | A | A | A |  |
| 225084655 |  | 3158622336 |  |  | A | A | A | A | A | A | A | A |  |
| 225084656 |  | 3158622337 |  |  | A | C | A | C | A | A | A | A |  |
| 225084657 |  | 3158622339 |  |  | A | A | A | A | A | A | A | A |  |
| 225084658 |  | 3158622341 |  |  | A | A | A | A | A | A | A | A |  |
| 225084659 |  | 3158622342 |  |  | A | B | A | B | A | A | A | A |  |
| 225084660 |  | 3158622343 |  |  | A | A | A | A | A | A | A | A |  |
| 225084661 |  | 3158622344 |  |  | A | A | A | A | A | A | A | A |  |
| 225084662 |  | 3158622345 |  |  | A | A | A | A | A | A | A | A |  |
| 225084663 |  | 3158622346 |  |  | A | A | A | A | A | A | A | A |  |
| 225084664 |  | 3158622347 |  |  | A | A | A | A | A | A | A | A |  |
| 225084665 |  | 3158622348 |  |  | A | A | A | A | A | A | A | A |  |
| 225084666 |  | 3158622349 |  |  | A | C | A | C | A | A | A | A |  |
| 225084667 |  | 3158622352 |  |  | C | C | A | C | A | A | A | A |  |
| 225084668 |  | 3158622356 |  |  | A | A | A | A | A | A | A | A |  |
| 225084669 |  | 3158622358 |  |  | A | A | A | A | A | A | A | A |  |
| 225084670 |  | 3158622361 |  |  | A | A | A | A | A | A | A | A |  |
| 225084671 |  | 3158622363 |  |  | A | A | A | A | A | A | A | A |  |
| 225084672 |  | 3158622365 |  |  | A | C | A | C | A | A | A | A |  |
| 225084673 |  | 3158622369 |  |  | C | A | A | C | A | A | A | A |  |
| 225084674 |  | 3158622370 |  |  | A | A | A | A | A | A | A | A |  |
| 225084675 |  | 3158622372 |  |  | A | A | A | A | A | A | A | A |  |
| 225084676 |  | 3158622373 |  |  | B | C | A | C | B | B | A | B |  |
| 225084677 |  | 3158622376 |  |  | A | C | A | C | A | B | A | B |  |
| 225084678 |  | 3158622377 |  |  | A | A | A | A | A | A | A | A |  |
| 225084679 |  | 3158622378 |  |  | A | A | A | A | A | A | A | A |  |
| 225084680 |  | 3158622379 |  |  | A | A | A | A | A | A | A | A |  |
| 225084681 |  | 3158622381 |  |  | A | A | A | A | A | A | A | A |  |
| 225084682 |  | 3158622382 |  |  | A | A | A | A | A | A | A | A |  |
| 225084683 |  | 3158622383 |  |  | A | C | A | C | A | A | A | A |  |
| 225084684 |  | 3158622384 |  |  | A | A | A | A | A | A | A | A |  |
| 225084685 |  | 3158622387 |  |  | A | C | A | C | A | A | A | A |  |
| 225084686 |  | 3158622388 |  |  | A | A | A | A | A | A | A | A |  |
| 225084687 |  | 3158622389 |  |  | A | A | D | D | A | A | A | A |  |
| 225084688 |  | 3158622390 |  |  | A | C | A | C | A | A | A | A |  |
| 225084689 |  | 3158622391 |  |  | A | C | D | D | A | A | A | A |  |
| 225084690 |  | 3158622393 |  |  | A | C | A | C | A | A | A | A |  |
| 225084691 |  | 3158622394 |  |  | A | A | A | A | A | A | A | A |  |
| 225084692 |  | 3158622395 |  |  | A | B | A | B | A | A | A | A |  |
| 225084693 |  | 3158622396 |  |  | A | A | A | A | A | A | A | A |  |
| 225084694 |  | 3158622397 |  |  | C | A | A | C | A | A | A | A |  |
| 225084695 |  | 3158622400 |  |  | A | A | A | A | A | A | A | A |  |
| 225084696 |  | 3158622403 |  |  | A | A | A | A | A | A | A | A |  |
| 225084697 |  | 3158622405 |  |  | A | C | A | C | A | A | A | A |  |
| 225084698 |  | 3158622407 |  |  | A | C | A | C | A | A | A | A |  |
| 225084699 |  | 3158622409 |  |  | A | C | A | C | A | A | A | A |  |
| 225084700 |  | 3158622410 |  |  | A | C | A | C | A | A | A | A |  |
| 225084701 |  | 3158622413 |  |  | A | C | A | C | A | A | A | A |  |
| 225084702 |  | 3158622414 |  |  | A | A | A | A | A | A | A | A |  |
| 225084703 |  | 3158622416 |  |  | C | C | A | C | A | A | A | A |  |
| 225084704 |  | 3158622417 |  |  | A | A | A | A | A | A | A | A |  |
| 225084705 |  | 3158622418 |  |  | A | A | A | A | A | A | A | A |  |
| 225084706 |  | 3158622419 |  |  | A | C | A | C | A | A | A | A |  |
| 225084707 |  | 3158622421 |  |  | A | B | A | B | A | A | A | A |  |
| 225084708 |  | 3158622422 |  |  | C | A | A | C | A | A | A | A |  |
| 225084709 |  | 3158622425 |  |  | A | A | A | A | A | A | A | A |  |
| 225084710 |  | 3158622426 |  |  | A | A | A | A | A | A | A | A |  |
| 225084711 |  | 3158622428 |  |  | A | A | A | A | A | A | A | A |  |
| 225084712 |  | 3158622430 |  |  | A | C | A | C | A | A | A | A |  |
| 225084713 |  | 3158622432 |  |  | A | A | A | A | A | A | A | A |  |
| 225084714 |  | 3158622433 |  |  | A | A | A | A | A | A | A | A |  |
| 225084715 |  | 3158622435 |  |  | A | A | A | A | A | A | A | A |  |
| 225084716 |  | 3158622437 |  |  | A | A | A | A | A | A | A | A |  |
| 225084717 |  | 3158622441 |  |  | A | A | A | A | A | A | A | A |  |
| 225084718 |  | 3158622444 |  |  | A | C | A | C | A | A | A | A |  |
| 225084719 |  | 3158622445 |  |  | B | C | A | C | B | C | A | C |  |
| 225084720 |  | 3158622447 |  |  | A | C | A | C | A | A | A | A |  |
| 225084721 |  | 3158622449 |  |  | C | C | A | C | A | A | A | A |  |
| 225084722 |  | 3158622450 |  |  | C | C | A | C | A | A | A | A |  |
| 225084723 |  | 3158622453 |  |  | A | A | A | A | A | A | A | A |  |
| 225084724 |  | 3158622455 |  |  | B | A | A | B | B | A | A | B |  |
| 225084725 |  | 3158622456 |  |  | A | A | A | A | A | A | A | A |  |
| 225084726 |  | 3158622458 |  |  | C | C | A | C | A | C | A | C |  |
| 225084727 |  | 3158622459 |  |  | A | C | A | C | A | A | A | A |  |
| 225084728 |  | 3158622460 |  |  | A | C | A | C | A | A | A | A |  |
| 225084729 |  | 3158622462 |  |  | A | A | A | A | A | A | A | A |  |
| 225084730 |  | 3158622464 |  |  | A | C | A | C | A | A | A | A |  |
| 225084731 |  | 3158622465 |  |  | A | A | A | A | A | A | A | A |  |
| 225084732 |  | 3158622466 |  |  | A | C | A | C | A | A | A | A |  |
| 225084733 |  | 3158622468 |  |  | A | A | A | A | A | A | A | A |  |
| 225084734 |  | 3158622469 |  |  | A | A | A | A | A | A | A | A |  |
| 225084735 |  | 3158622470 |  |  | A | A | A | A | A | A | A | A |  |
| 225084736 |  | 3158622474 |  |  | A | C | A | C | A | A | A | A |  |
| 225084737 |  | 3158622479 |  |  | A | C | D | D | A | A | A | A |  |
| 225084738 |  | 3158622482 |  |  | A | C | A | C | A | A | A | A |  |
| 225084739 |  | 3158622484 |  |  | A | C | A | C | A | A | A | A |  |
| 225084740 |  | 3158622485 |  |  | C | C | A | C | A | A | A | A |  |
| 225084741 |  | 3158622486 |  |  | A | A | A | A | A | A | A | A |  |
| 225084742 |  | 3158622488 |  |  | A | C | A | C | A | A | A | A |  |
| 225084743 |  | 3158622493 |  |  | A | D | C | D | A | C | A | C |  |
| 225084744 |  | 3158622494 |  |  | C | C | A | C | A | A | A | A |  |
| 225084745 |  | 3158622496 |  |  | C | C | A | C | C | C | A | C |  |
| 225084746 |  | 3158622498 |  |  | C | A | A | C | A | A | A | A |  |
| 225084747 |  | 3158622499 |  |  | A | A | A | A | A | A | A | A |  |
| 225084748 |  | 3158622501 |  |  | A | A | A | A | A | A | A | A |  |
| 225084749 |  | 3158622502 |  |  | A | A | A | A | A | A | A | A |  |
| 225084750 |  | 3158622503 |  |  | A | A | A | A | A | A | A | A |  |
| 225084751 |  | 3158622505 |  |  | C | C | A | C | A | A | A | A |  |
| 225084752 |  | 3158622506 |  |  | A | B | A | B | A | A | A | A |  |
| 225084753 |  | 3158622507 |  |  | A | A | A | A | A | A | A | A |  |
| 225084754 |  | 3158622508 |  |  | A | A | A | A | A | A | A | A |  |
| 225084755 |  | 3158622512 |  |  | A | A | A | A | A | A | A | A |  |
| 225084756 |  | 3158622513 |  |  | C | C | A | C | A | A | A | A |  |
| 225084757 |  | 3158622515 |  |  | A | A | A | A | A | A | A | A |  |
| 225084758 |  | 3158622516 |  |  | A | A | A | A | A | A | A | A |  |
| 225084759 |  | 3158622517 |  |  | A | A | A | A | A | A | A | A |  |
| 225084760 |  | 3158622518 |  |  | A | A | A | A | A | A | A | A |  |
| 225084761 |  | 3158622523 |  |  | C | A | A | C | A | A | A | A |  |
| 225084762 |  | 3158622525 |  |  | A | A | A | A | A | A | A | A |  |
| 225084763 |  | 3158622526 |  |  | A | A | A | A | A | A | A | A |  |
| 225084764 |  | 3158622527 |  |  | A | C | A | C | A | B | A | B |  |
| 225084765 |  | 3158622528 |  |  | A | A | A | A | A | A | A | A |  |
| 225084766 |  | 3158622529 |  |  | A | A | A | A | A | A | A | A |  |
| 225084767 |  | 3158622531 |  |  | A | A | A | A | A | A | A | A |  |
| 225084768 |  | 3158622532 |  |  | A | A | A | A | A | A | A | A |  |
| 225084769 |  | 3158622536 |  |  | A | A | A | A | A | A | A | A |  |
| 225084770 |  | 3158622539 |  |  | A | A | A | A | A | A | A | A |  |
| 225084771 |  | 3158622542 |  |  | A | B | D | D | A | A | A | A |  |
| 225084772 |  | 3158622543 |  |  | A | A | A | A | A | A | A | A |  |
| 225084773 |  | 3158622544 |  |  | A | A | A | A | A | A | A | A |  |
| 225084774 |  | 3158622545 |  |  | A | A | A | A | A | A | A | A |  |
| 225084775 |  | 3158622547 |  |  | C | B | A | C | A | A | A | A |  |
| 225084776 |  | 3158622550 |  |  | A | A | A | A | A | A | A | A |  |
| 225084777 |  | 3158622551 |  |  | C | A | A | C | A | A | A | A |  |
| 225084778 |  | 3158622552 |  |  | A | A | A | A | A | A | A | A |  |
| 225084779 |  | 3158622553 |  |  | A | C | A | C | A | B | A | B |  |
| 225084780 |  | 3158622554 |  |  | C | C | A | C | A | A | A | A |  |
| 225084781 |  | 3158622555 |  |  | A | A | A | A | A | A | A | A |  |
| 225084782 |  | 3158622556 |  |  | A | A | A | A | A | A | A | A |  |
| 225084783 |  | 3158622557 |  |  | A | B | A | B | A | A | A | A |  |
| 225084784 |  | 3158622559 |  |  | A | B | A | B | A | A | A | A |  |
| 225084785 |  | 3158622561 |  |  | A | A | A | A | A | A | A | A |  |
| 225084786 |  | 3158622562 |  |  | A | C | A | C | A | A | A | A |  |
| 225084787 |  | 3158622565 |  |  | A | A | A | A | A | A | A | A |  |
| 225084788 |  | 3158622568 |  |  | C | C | A | C | A | A | A | A |  |
| 225084789 |  | 3158622569 |  |  | A | A | A | A | A | A | A | A |  |
| 225084790 |  | 3158622570 |  |  | A | A | A | A | A | A | A | A |  |
| 225084791 |  | 3158622571 |  |  | A | A | A | A | A | A | A | A |  |
| 225084792 |  | 3158622572 |  |  | A | A | A | A | A | A | A | A |  |
| 225084793 |  | 3158622573 |  |  | A | A | A | A | A | A | A | A |  |
| 225084794 |  | 3158622576 |  |  | C | A | A | C | A | A | A | A |  |
| 225084795 |  | 3158622577 |  |  | A | B | A | B | A | A | A | A |  |
| 225084796 |  | 3158622578 |  |  | A | A | A | A | A | A | A | A |  |
| 225084797 |  | 3158622579 |  |  | B | A | A | B | B | A | A | B |  |
| 225084798 |  | 3158622581 |  |  | A | C | A | C | A | A | A | A |  |
| 225084799 |  | 3158622582 |  |  | A | C | A | C | A | A | A | A |  |
| 225084800 |  | 3158622583 |  |  | A | A | A | A | A | A | A | A |  |
| 225084801 |  | 3158622584 |  |  | C | C | A | C | A | A | A | A |  |
| 225084802 |  | 3158622589 |  |  | A | C | A | C | A | A | A | A |  |
| 225084803 |  | 3158622590 |  |  | A | C | A | C | A | A | A | A |  |
| 225084804 |  | 3158622593 |  |  | A | A | A | A | A | A | A | A |  |
| 225084805 |  | 3158622595 |  |  | A | A | A | A | A | A | A | A |  |
| 225084806 |  | 3158622597 |  |  | A | A | A | A | A | A | A | A |  |
| 225084807 |  | 3158622598 |  |  | C | C | A | C | A | A | A | A |  |
| 225084808 |  | 3158622603 |  |  | A | A | A | A | A | A | A | A |  |
| 225084809 |  | 3158622605 |  |  | A | A | A | A | A | A | A | A |  |
| 225084810 |  | 3158622606 |  |  | C | A | A | C | A | A | A | A |  |
| 225084811 |  | 3158622608 |  |  | A | A | A | A | A | A | A | A |  |
| 225084812 |  | 3158622609 |  |  | A | C | A | C | A | A | A | A |  |
| 225084813 |  | 3158622611 |  |  | A | A | A | A | A | A | A | A |  |
| 225084814 |  | 3158622613 |  |  | C | B | A | C | A | A | A | A |  |
| 225084815 |  | 3158622614 |  |  | A | A | A | A | A | A | A | A |  |
| 225084816 |  | 3158622615 |  |  | A | A | A | A | A | A | A | A |  |
| 225084817 |  | 3158622618 |  |  | B | C | A | C | B | A | A | B |  |
| 225084818 |  | 3158622619 |  |  | C | C | A | C | A | A | A | A |  |
| 225084819 |  | 3158622621 |  |  | B | C | A | C | A | A | A | A |  |
| 225084820 |  | 3158622623 |  |  | A | C | A | C | A | A | A | A |  |
| 225084821 |  | 3158622624 |  |  | C | C | A | C | A | A | A | A |  |
| 225084822 |  | 3158622626 |  |  | A | C | A | C | A | A | A | A |  |
| 225084823 |  | 3158622627 |  |  | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.15

**Exhibit 99.15**

**Exception Grades**

**Run Date - 2/24/2026 10:19:16 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 225084578 |  | 3158622213 |  | 35812040 |  | 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. |  |  |  |  | Reviewer Comment (2026-02-18): client accepts EV2 condition<br>Buyer Comment (2026-02-18): accepting EV2 |  |  | 02/18/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084578 |  | 3158622213 |  | 35813117 |  | 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 (2026-02-18): proof of appraisal delivery received<br>Buyer Comment (2026-02-18): Do Not Concur - please review, 3 day waiver in file - appraisal sent to borrower | 02/18/2026 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084578 |  | 3158622213 |  | 35813122 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | [Redacted] Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by lender at or before closing. | Acknowledgment of the Fair Market Value signed by the Lender on [Redacted] is after closing date of [Redacted]. |  |  |  | Reviewer Comment (2026-02-18): [Redacted] disclosure received<br>Buyer Comment (2026-02-18): Please review additional notarized document completed prior to closing | 02/18/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) 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. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084578 |  | 3158622213 |  | 35813123 |  | 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 (2026-02-13): Sufficient Cure Provided within 60 Days of Closing |  | 02/13/2026 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | 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 |
| 225084578 |  | 3158622213 |  | 35823241 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of Cash-out . 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>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-17): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 02/17/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084578 |  | 3158622213 |  | 35829324 |  | 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. | Based on review of the Note and Title Commitment the loan was a same lender refinance. |  |  |  | Reviewer Comment (2026-02-18): client accepts EV2 condition<br>Buyer Comment (2026-02-18): accepting EV2 |  |  | 02/18/2026 | 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 |
| 225084579 |  | 3158622217 |  | 35815931 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification of employment was obtained on [Redacted], which is more than 10 business days prior to the Note date ([Redacted]). |  |  |  | Reviewer Comment (2026-02-17): verification of employment documentation acceptable<br>Buyer Comment (2026-02-17): Please see paystub for [Redacted] dated [Redacted] which meets [Redacted] alternative methods to verify employment - within 15 business days prior to the note date, the borrower can provide the most recent available paystub as of that date that, meets the requirements in [Redacted], Standards for Employment Documentation; reflects information for the most recent expected pay period based on the date it is provided and the borrower's pay cadence; and does not include any information indicating the borrower may not be actively employed. | 02/17/2026 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084579 |  | 3158622217 |  | 35815942 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of employment for salaried borrower not obtained within 10 business days of Note. |  |  |  | Reviewer Comment (2026-02-17): verification of employment documentation acceptable | 02/17/2026 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084579 |  | 3158622217 |  | 35815950 |  | 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 timing of VOE for salaried borrower, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-02-17): verification of employment documentation acceptable | 02/17/2026 |  |  | 1 B A C |  | UT | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084579 |  | 3158622217 |  | 35815951 |  | 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 timing of VOE for salaried borrower. |  |  |  | Reviewer Comment (2026-02-17): verification of employment documentation acceptable | 02/17/2026 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084579 |  | 3158622217 |  | 35815952 |  | 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 timing of VOE for salaried borrower. |  |  |  | Reviewer Comment (2026-02-17): verification of employment documentation acceptable | 02/17/2026 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084580 |  | 3158622218 |  | 35803817 |  | 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 (2026-02-13): appraisal acknowledgement received<br>Buyer Comment (2026-02-13): Do Not Concur - ack. in file | 02/13/2026 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084580 |  | 3158622218 |  | 35804056 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification(s) of employment is not within 10 business days of the Note |  |  |  | Reviewer Comment (2026-02-13): VOE for borrower recieved<br>Buyer Comment (2026-02-13): Do Not Concur - VOE in file dated [Redacted] | 02/13/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084580 |  | 3158622218 |  | 35808092 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file did not contain a VVOE for the borrower dated within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-02-13): VOE for borrower recieved | 02/13/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084580 |  | 3158622218 |  | 35808099 |  | 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 the missing VVOE dated within 10 days of the Note. |  |  |  | Reviewer Comment (2026-02-13): VOE for borrower recieved | 02/13/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084580 |  | 3158622218 |  | 35808100 |  | 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 VVOE dated within 10 days of the Note. |  |  |  | Reviewer Comment (2026-02-13): VOE for borrower recieved | 02/13/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084580 |  | 3158622218 |  | 35808140 |  | 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 VVOE dated within 10 days of the Note. |  |  |  | Reviewer Comment (2026-02-13): VOE for borrower recieved | 02/13/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084584 |  | 3158622224 |  | 35773045 |  | 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 of $[Redacted] was added on the LE dated [Redacted] and later lowered to $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-20): valid COC received<br>Buyer Comment (2026-02-20): Per uploaded doc, appraisal fee was collected on prior loan. Intent was to recertify value as evidenced by $[Redacted] Re-Certification of Value on initial LE and use construction appraisal. When loan amount and LTV increased, per [Redacted] CIC, a new appraisal was needed to support increase. | 02/20/2026 |  |  | 1 C A |  | NC | 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 |
| 225084586 |  | 3158622228 |  | 35802098 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal does not indicate an estimated cost new. 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 (2026-02-13): RCE received and HOI coverage is sufficient<br>Buyer Comment (2026-02-13): Do Not Concur - please review RCe | 02/13/2026 |  |  | 1 C A |  | ME | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084586 |  | 3158622228 |  | 35805162 |  | 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 the DTI over guidelines. |  |  |  | Reviewer Comment (2026-02-13): updated review of income using most recent years, matching UW income, meets guideline requirements | 02/13/2026 |  |  | 1 B A C |  | ME | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084586 |  | 3158622228 |  | 35805163 |  | 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.) | The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. Review DTI based on income of $[Redacted] (employment income of $[Redacted] plus income from investment property of $[Redacted]) and debts of $[Redacted] for primary residence, $[Redacted] for non-subj 2nd home, child support of $[Redacted] and subject PITIA of $[Redacted]. |  |  |  | Reviewer Comment (2026-02-13): updated review of income using most recent years, matching UW income, meets guideline requirements | 02/13/2026 |  |  | 1 C A |  | ME | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084586 |  | 3158622228 |  | 35805165 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Review DTI based on income of $[Redacted] (employment income of $[Redacted] plus income from investment property of $[Redacted]) and debts of $[Redacted] for primary residence, $[Redacted] for non-subj 2nd home, child support of $[Redacted] and subject PITIA of $[Redacted]. |  |  |  | Reviewer Comment (2026-02-13): updated review of income using most recent years, matching UW income, meets guideline requirements<br>Buyer Comment (2026-02-13): Do no concur. Per UW notes commission income is based on $[Redacted] received YTD as of [Redacted] divided by [Redacted] = $[Redacted]. Borrower received $[Redacted] in [Redacted], which equates to $[Redacted]/month. The odd year was $[Redacted] received in [Redacted] explained on WVOE (D0316) as some of the [Redacted] commission earnings were pushed to [Redacted] due to the timing of how they were paid out. Consequently, [Redacted] is not an accurate depiction and explains the variance between [Redacted] and [Redacted]. The WVOE also states it's common for previous year's commissions to be paid out the following year, so some of [Redacted] commissions will be paid out in [Redacted], and so on. Because [Redacted] and [Redacted] commission earnings approximate each other and are the most recent two years, it is reasonable they are a more accurate reflection of commission earnings. Consequently, UW income assessment is based on more recent earnings from [Redacted] and [Redacted], rather than the odd year of [Redacted]. | 02/13/2026 |  |  | 1 C A |  | ME | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084586 |  | 3158622228 |  | 35805178 |  | 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 over guidelines. |  |  |  | Reviewer Comment (2026-02-13): updated review of income using most recent years, matching UW income, meets guideline requirements | 02/13/2026 |  |  | 1 C A |  | ME | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084590 |  | 3158622233 |  | 35816277 |  | 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]. $[Redacted] over legal limit. 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. |  |  |  |  |  |  |  | 3 C |  | 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 |
| 225084590 |  | 3158622233 |  | 35831545 |  | 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 - Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Title - Doc Prep fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-02-23): [Redacted] received valid rebuttal comment and supporting document and COC was provided in the loan file.<br>Buyer Comment (2026-02-19): Do Not Concur - please review again - Title - Doc. Prep 3rd Party Fee disclosed in section B on Initial LE ([Redacted]) and disclosed in section B on all LE's - borrower was not allowed to shop, tested at 0% - fee increased to $[Redacted] on Loan Estimate [Redacted], CIC not required because of construction verbiage - fee acceptable to re-baseline at $[Redacted] - Title- Doc Prep 3rd Party Fee disclosed on Final Closing Disclosure as $[Redacted] \*\*\*\*Title - Doc Prep fee disclosed in section C on LE's was not disclosed on Final CD. \*\*\*<br>Reviewer Comment (2026-02-18): [Redacted] received rebuttal. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title- Document preparation fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2026-02-18): Do Not Concur - please review page 3 of LE [Redacted] disclosing "You May Receive a revised LE at any time prior to 60 days - fee should be re-baselined at this point | 02/23/2026 |  |  | 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 |
| 225084591 |  | 3158622234 |  | 35835980 |  | 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 (2026-02-18): Sufficient Cure Provided At Closing |  | 02/18/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084592 |  | 3158622235 |  | 35802218 |  | 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 (2026-02-12): Sufficient Cure Provided At Closing |  | 02/12/2026 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084592 |  | 3158622235 |  | 35805337 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan, and there are only [Redacted] months of reserves verified. |  |  |  | Reviewer Comment (2026-02-13): sufficient asset documentation in file to meet guideline requirements<br>Buyer Comment (2026-02-13): Do not concur. Please see account update for [Redacted] [Redacted] from [Redacted] to [Redacted] (D0641) showing an updated balance of $[Redacted]. Also, the $[Redacted] EMD check #[Redacted] cleared [Redacted] [Redacted] on [Redacted] (D0318), sufficient reserves were documented in file. | 02/13/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084592 |  | 3158622235 |  | 35805345 |  | 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 shortage of required reserves. |  |  |  | Reviewer Comment (2026-02-13): sufficient asset documentation in file to meet guideline requirements | 02/13/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084592 |  | 3158622235 |  | 35805360 |  | 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 shortage of required reserves, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-02-13): sufficient asset documentation in file to meet guideline requirements | 02/13/2026 |  |  | 1 B A C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084592 |  | 3158622235 |  | 35805632 |  | 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 reserve shortage. |  |  |  | Reviewer Comment (2026-02-13): sufficient asset documentation in file to meet guideline requirements | 02/13/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084592 |  | 3158622235 |  | 35805741 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan, and there are only [Redacted] months of reserves verified. |  |  |  | Reviewer Comment (2026-02-13): sufficient asset documentation in file to meet guideline requirements | 02/13/2026 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084594 |  | 3158622237 |  | 35807745 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2026-02-18): title policy received<br>Buyer Comment (2026-02-18): Please review uploaded final title policy. | 02/18/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084594 |  | 3158622237 |  | 35807887 |  | 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 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 (2026-02-18): [Redacted] received detailed LOE for change and as per COC in file.<br>Buyer Comment (2026-02-17): Do not concur. [Redacted] LE has a rate of [Redacted]%. Subsequent LEs and Final CD have a lower rate. Interest rate decrease is an acceptable reason for lender credit decrease. | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | 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 |
| 225084594 |  | 3158622237 |  | 35807889 |  | 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 Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Desk 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 (2026-02-18): [Redacted] received detailed LOE for change and as per COC in file.<br>Buyer Comment (2026-02-17): Please review uploaded LOE. | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | 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 |
| 225084594 |  | 3158622237 |  | 35807890 |  | 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 Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Settlement / Closing / Escrow 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 (2026-02-18): [Redacted] received detailed LOE for change and as per COC in file.<br>Buyer Comment (2026-02-17): Please review uploaded LOE. | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | 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 |
| 225084596 |  | 3158622239 |  | 35802741 |  | 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. | No documentation in file to evidence the appraisal was provided to the borrowers at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-02-13): proof of appraisal delivery received<br>Buyer Comment (2026-02-13): Please review uploaded proof of appraisal delivery. | 02/13/2026 |  |  | 1 B A |  | CO | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084596 |  | 3158622239 |  | 35802742 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The Initial LE was provided electronically prior to the earliest E-sign Consent doc in file dated [Redacted]. |  |  |  | Reviewer Comment (2026-02-13): additional e-consent documentation received<br>Buyer Comment (2026-02-13): Please review uploaded e-consent from [Redacted]. Additionally, initial 1003 e-signed on [Redacted] (same date [Redacted] LE was signed) contains e-consent verbiage in Section 6. | 02/13/2026 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084597 |  | 3158622240 |  | 35803703 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Initial Escrow Payment that includes both borrower and non-borrower paid amounts. |  |  |  | Reviewer Comment (2026-02-13): client accepts EV2 grade<br>Buyer Comment (2026-02-13): EV2 accepted |  |  | 02/13/2026 | 2 B |  | NC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084600 |  | 3158622244 |  | 35808937 |  | 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. | Lender did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-17): appraisal ack form received<br>Buyer Comment (2026-02-17): Do Not Concur - in file | 02/17/2026 |  |  | 1 B A |  | AR | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084600 |  | 3158622244 |  | 35808942 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Most recent [Redacted] W-2 Transcript is missing in file. Please provide for review. |  |  |  | Reviewer Comment (2026-02-17): Documentation in file is sufficient to meet guides.<br>Reviewer Comment (2026-02-13): Documentation in file is sufficient to meet guides. | 02/17/2026 |  |  | 1 B A |  | AR | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084600 |  | 3158622244 |  | 35815141 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing in file. Please provide for review. |  |  |  | Reviewer Comment (2026-02-17): econsent form received<br>Buyer Comment (2026-02-17): Do Not Concur - e-consent in file | 02/17/2026 |  |  | 1 C A |  | AR | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084600 |  | 3158622244 |  | 35816142 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  | Reviewer Comment (2026-02-17): Documentation in file is sufficient to meet guides.<br>Reviewer Comment (2026-02-13): Documentation in file is sufficient to meet guides. | 02/17/2026 |  |  | 1 B A |  | AR | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084602 |  | 3158622248 |  | 35805852 |  | 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. There was no UCDP in file. |  |  |  | Reviewer Comment (2026-02-17): updated UCDP received showing acceptable [Redacted] score<br>Buyer Comment (2026-02-17): Do Not Concur - UCDP in file | 02/17/2026 |  |  | 1 D A |  | NE | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084605 |  | 3158622253 |  | 35806762 |  | 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 Attorney's Fee (Closing Agent and Other). Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Attorney's Fees of $[Redacted] was added 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 (2026-02-18): [Redacted] Received Corrected PCCD and LOE moving fee to section H.<br>Buyer Comment (2026-02-17): Please review PCCD and LOE<br>Reviewer Comment (2026-02-13): [Redacted] received rebuttal comment but the fee was disclosed in section C without "Title - " prefix. If the fee is title required it should have been updated as title fee but if its optional and neither of the lender or title is required then it should have been disclosed under section H of the CD. A corrected PCCD and LOE is required for remediations.<br>Buyer Comment (2026-02-12): Do Not Concur - Attorney fee is labeled as Borrower Chosen and would not be held to tolerance | 02/18/2026 |  |  | 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 |
| 225084606 |  | 3158622255 |  | 35806391 |  | 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. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and no evidence in file that the borrower received the appraisal. |  |  |  | Reviewer Comment (2026-02-13): proof of appraisal delivery received<br>Buyer Comment (2026-02-13): Do Not Concur - appraisal email sent [Redacted] | 02/13/2026 |  |  | 1 B A |  | PA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084606 |  | 3158622255 |  | 35806392 |  | 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. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and no evidence in file that the borrower received the appraisal. |  |  |  | Reviewer Comment (2026-02-13): proof of appraisal delivery received | 02/13/2026 |  |  | 1 B A |  | PA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084606 |  | 3158622255 |  | 35806393 |  | 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. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and no evidence in file that the borrower received the appraisal. |  |  |  | Reviewer Comment (2026-02-13): proof of appraisal delivery received | 02/13/2026 |  |  | 1 B A |  | PA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084609 |  | 3158622259 |  | 35813295 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2026-02-17): econsent language in file is acceptable<br>Buyer Comment (2026-02-17): Please review uploaded Initial 1003 e-signed on [Redacted] with e-consent verbiage in Section 6 (upper right had corner). Signature date and time matches on LE. | 02/17/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084609 |  | 3158622259 |  | 35813945 |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2026-02-17): appraisal delivery received<br>Buyer Comment (2026-02-17): Please review uploaded proof of appraisal delivery. | 02/17/2026 |  |  | 1 B A |  | NJ | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084609 |  | 3158622259 |  | 35825460 |  | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2026-02-17): appraisal delivery received<br>Buyer Comment (2026-02-17): Please review uploaded proof of appraisal delivery. | 02/17/2026 |  |  | 1 B A |  | NJ | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084611 |  | 3158622266 |  | 35804178 |  | 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 (2026-02-12): Sufficient Cure Provided At Closing |  | 02/12/2026 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084613 |  | 3158622268 |  | 35825774 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-16): Sufficient Cure Provided At Closing |  | 02/16/2026 |  | 1 A |  | TX | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084618 |  | 3158622277 |  | 35768690 |  | 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 (2026-02-10): Sufficient Cure Provided At Closing |  | 02/10/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084618 |  | 3158622277 |  | 35769833 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Both Appraisals provided in the file with signatures and report dates [Redacted]/effective date of [Redacted] and with a signature and report date [Redacted]/effective date of [Redacted] are both Post Close. Please provide an appraisal dated prior to the note date. |  |  |  | Reviewer Comment (2026-02-13): appraisal delivery information received<br>Buyer Comment (2026-02-13): Do not concur. Effective Date of Appraisal ([Redacted] is the reference point for appraisal completion, not the Date of Signature and Report. Please review uploaded proof of appraisal delivery on [Redacted] and receipt on [Redacted]. | 02/13/2026 |  |  | 1 D A |  | CA | Primary | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084618 |  | 3158622277 |  | 35769943 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | Waterfall finding due to both Appraisals provided in the file with signatures and report dates [Redacted]/effective date of [Redacted] and with a signature and report date [Redacted]/effective date of [Redacted] are both Post Close. Please provide an appraisal dated prior to the note date. |  |  |  | Reviewer Comment (2026-02-13): appraisal received<br>Buyer Comment (2026-02-13): Do not concur. Effective Date of Appraisal ([Redacted] is the reference point for appraisal completion, not the Date of Signature and Report. Please review uploaded proof of appraisal delivery on [Redacted] and receipt on [Redacted]. | 02/13/2026 |  |  | 1 D A |  | CA | Primary | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084619 |  | 3158622279 |  | 35802664 |  | 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. | Appraisal in file is dated 1 day prior to the Note date. Acknowledgement in file, however 3 day waiver missing and required. |  |  |  | Reviewer Comment (2026-02-13): appraisal waiver disclosure information received<br>Buyer Comment (2026-02-13): Please review uploaded appraisal waivers accepted by borrower and co-borrower at bottom left hand corner of each disclosure. | 02/13/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084622 |  | 3158622282 |  | 35770440 |  | 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. | Post Close Closing Disclosure indicates a total in section (G) for the initial escrow payment at closing of $[Redacted]; however, the Initial Escrow Account Disclosure reflects an initial deposit of $[Redacted] that matches the Closing Disclosure dated [Redacted]. Changes were made relative to flood insurance on the PCCD; however, a new Initial Escrow Account Disclosure was not issued. |  |  |  | Reviewer Comment (2026-02-18): updated IEADS matches PCCD and acceptable<br>Buyer Comment (2026-02-18): Please review uploaded IEADS. | 02/18/2026 |  |  | 1 B A |  | CO | Primary | Refinance - Rate/Term | 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. B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084623 |  | 3158622283 |  | 35807937 |  | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084623 |  | 3158622283 |  | 35807938 |  | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084623 |  | 3158622283 |  | 35807940 |  | 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. A Post-Close CD was issued with changes to the escrow information on page 2; however, a revised Initial Escrow Account Disclosure was not issued. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | 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 |
| 225084623 |  | 3158622283 |  | 35807941 |  | 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. | The Title - Endorsement 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. |  |  |  |  |  |  |  | 3 C |  | CA | 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 |
| 225084625 |  | 3158622287 |  | 35804525 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Provide a copy of Flood Certificate for the subject property, as the only flood certificate in file does not list an address . |  |  |  | Reviewer Comment (2026-02-13): flood cert received<br>Buyer Comment (2026-02-13): Please review uploaded flood cert. | 02/13/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084627 |  | 3158622290 |  | 35810536 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2026-02-17): appraisal used for qualifying is "as-is"<br>Buyer Comment (2026-02-17): Do not concur. Although appraisal (D0407) has a signature date of [Redacted], the effective date of the appraisal was [Redacted]. Our collateral team used the other "As Is" appraisal (D0556) with an effective date of [Redacted] and value of $[Redacted] for valuation purposes. | 02/17/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084633 |  | 3158622299 |  | 35812294 |  | 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 (2026-02-17): final title policy received<br>Buyer Comment (2026-02-17): Please review Title attached | 02/17/2026 |  |  | 1 B A |  | MA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084634 |  | 3158622301 |  | 35804099 |  | 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. | Valid COC is not available for Appraisal Fee. |  |  |  | Reviewer Comment (2026-02-12): Sufficient Cure Provided At Closing |  | 02/12/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084635 |  | 3158622304 |  | 35812479 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing |  |  |  | Reviewer Comment (2026-02-17): econsent language in file is acceptable<br>Buyer Comment (2026-02-17): Please re-review: The initial 1003 was e-signed on [Redacted], the same date the LE was signed. Section 6(4) of the 1003 includes e-consent language regarding Electronic Records and Signatures. | 02/17/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084639 |  | 3158622309 |  | 35812351 |  | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2026-02-17): appraisal ack received<br>Buyer Comment (2026-02-17): Please review uploaded appraisal acknowledgement. | 02/17/2026 |  |  | 1 B A |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084639 |  | 3158622309 |  | 35812352 |  | 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. | 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 (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084645 |  | 3158622318 |  | 35813786 |  | 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 (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084651 |  | 3158622326 |  | 35786647 |  | 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 indicates delivery on [Redacted] which was the day of closing and not at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-02-12): appraisal ack received<br>Buyer Comment (2026-02-12): Please review Appraisal Acknowledgment attached | 02/12/2026 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084652 |  | 3158622328 |  | 35810808 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2026-02-17): e-consent language in file is acceptable<br>Buyer Comment (2026-02-17): Please re-review: The initial 1003 was e-signed on [Redacted], the same date the LE was signed. Section 6(4) of the 1003 includes e-consent language regarding Electronic Records and Signatures. | 02/17/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084652 |  | 3158622328 |  | 35810836 |  | 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 (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084654 |  | 3158622335 |  | 35786767 |  | 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. | Valid COC is not available for the Appraisal Fee. |  |  |  | Reviewer Comment (2026-02-11): Sufficient Cure Provided At Closing |  | 02/11/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084656 |  | 3158622337 |  | 35816299 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Appraisal indicates subject is part of a PUD with $[Redacted]/y HOA dues; however, the final CD did not disclose any non-escrowed property costs on page 4 of the final CD. |  |  |  | Reviewer Comment (2026-02-17): appraisal and LOX received<br>Buyer Comment (2026-02-17): Please see Appraisal and LOX | 02/17/2026 |  |  | 1 C A |  | NE | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084656 |  | 3158622337 |  | 35816317 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains Negative Amortization. | Negative Amortization answer not selected on pg. 4 of final CD. This appears to have been corrected on the post-close CD; however, to cure the issue the letter of explanation to the borrower is required. |  |  |  | Reviewer Comment (2026-02-17): PCCD in file and acceptable<br>Buyer Comment (2026-02-17): PCCD was in the file at the time of [Redacted] initial review, no LOX is required. | 02/17/2026 |  |  | 1 C A |  | NE | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084656 |  | 3158622337 |  | 35816318 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Partial Payments answer not selected on pg. 4 of final CD. This appears to have been corrected on the post-close CD; however, to cure the issue the letter of explanation to the borrower is required. |  |  |  | Reviewer Comment (2026-02-17): PCCD in file and acceptable<br>Buyer Comment (2026-02-17): PCCD was in the file at the time of [Redacted] initial review, no LOX is required. | 02/17/2026 |  |  | 1 C A |  | NE | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084659 |  | 3158622342 |  | 35767451 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | The borrowers signed the appraisal waiver 10/3/2025 which was less than 3 days prior to closing. |  |  |  | Reviewer Comment (2026-02-12): proof of appraisal delivery received<br>Buyer Comment (2026-02-12): Please review uploaded proof of appraisal delivery on [Redacted], which is more than 3 business days prior to consummation, making the appraisal waiver signature date a moot point. | 02/12/2026 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084666 |  | 3158622349 |  | 35812307 |  | 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]. $[Redacted] over legal limit. 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 (2026-02-20): [Redacted] Received Corrected PCCD and LOE moving fee to section H.<br>Buyer Comment (2026-02-19): Do not concur-Please re-review the Changed Circumstance Detail Form- specifically states "not a requirement of the loan". <br> Not a requirement of the loan by Lender and title. Category H. is for optional fees. Fee accurately disclosed in Category H.(not preceded by title.)<br>Reviewer Comment (2026-02-19): [Redacted] received Post CD and LOX.However, we are unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception 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 (2026-02-18): Please review change circumstance form and Post CD attached. Survey fee not a requirement of the loan. | 02/20/2026 |  |  | 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 |
| 225084667 |  | 3158622352 |  | 35813389 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Discount Fee fee of $[Redacted] was added 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 (2026-02-23): valid COC received<br>Buyer Comment (2026-02-23): Do not Concur. Lock extension occurred on [Redacted] that increased loan points and CD issued timely [Redacted] | 02/23/2026 |  |  | 1 C A |  | MD | 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 |
| 225084667 |  | 3158622352 |  | 35813398 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2026-02-24): e-consent form received<br>Buyer Comment (2026-02-24): See attached | 02/24/2026 |  |  | 1 C A |  | MD | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084667 |  | 3158622352 |  | 35813477 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Disclosed [Redacted] RTC expiration date is before expected [Redacted] RYTC expiration date based on unsigned Final CD dated [Redacted] expected delivery [Redacted]. Please provide signed FINAL CD showing signatures on [Redacted]. |  |  |  | Reviewer Comment (2026-02-23): signed final CD received<br>Buyer Comment (2026-02-23): Do not Concur. See attached signed CD | 02/23/2026 |  |  | 1 C A |  | MD | 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 |
| 225084672 |  | 3158622365 |  | 35808145 |  | 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. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-18): [Redacted] received valid COC document<br>Buyer Comment (2026-02-17): Do not Concur. Valid CIC for vesting change [Redacted]. Cdv3 disclosed timely | 02/18/2026 |  |  | 1 C A |  | CA | 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 |
| 225084673 |  | 3158622369 |  | 35768151 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Provide evidence that HOI coverage was in effect at time of disbursement. |  |  |  | Reviewer Comment (2026-02-13): HOI was effective at time of loan origination<br>Buyer Comment (2026-02-13): Loan is a [Redacted] to [Redacted] Refinance policy was effective from [Redacted] to [Redacted]; at time if closing policy was effective | 02/13/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084676 |  | 3158622373 |  | 35805940 |  | 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]. $[Redacted] over legal limit. 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]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-16): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do Not Concur. Please see valid CIC for the loan amount change, discount points disclosed timely on LE v5. | 02/16/2026 |  |  | 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 |
| 225084676 |  | 3158622373 |  | 35813079 |  | 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 ___. | Lender Exception approving DTI that does not meet Core due to lack of Non-Retirement reserves. Compensating factors are DTI remains below [Redacted]%, excellent job stability, utilizing all liquid assets and all reserves are in retirement funds | 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 (2026-02-13): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 02/13/2026 | 2 B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084676 |  | 3158622373 |  | 35813152 |  | 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.) | Lender Exception approving DTI that does not meet Core due to lack of Non-Retirement reserves. Compensating factors are DTI remains below [Redacted]%, excellent job stability, utilizing all liquid assets and all reserves are in retirement funds | 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 (2026-02-13): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 02/13/2026 | 2 B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084677 |  | 3158622376 |  | 35813109 |  | 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]). | Finance Charge disclosed is $[Redacted]. Calculated finance charge is $[Redacted]. Variance of $[Redacted]. |  |  |  | Reviewer Comment (2026-02-23): PCCD, LOX, refund check, and proof of mailing received<br>Buyer Comment (2026-02-23): Please see PCCD & Refund sent to the customer |  | 02/23/2026 |  | 2 C B |  | SC | Second Home | 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) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084677 |  | 3158622376 |  | 35813110 |  | 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]). | Finance Charge disclosed is $[Redacted]. Calculated finance charge is $[Redacted]. Variance of -$[Redacted]. |  |  |  | Reviewer Comment (2026-02-23): PCCD, LOX, refund check, and proof of mailing received<br>Buyer Comment (2026-02-23): Please see PCCD & Refund sent to the customer |  | 02/23/2026 |  | 2 C B |  | SC | Second Home | 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) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084677 |  | 3158622376 |  | 35813112 |  | 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. | Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-19): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-02-18): Do Not Concur. Please see system notes explaining that this was a complex appraisal and is the reason for the fee increase. | 02/19/2026 |  |  | 1 C A |  | SC | Second Home | 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 |
| 225084682 |  | 3158622382 |  | 35805368 |  | 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 (2026-02-12): Sufficient Cure Provided At Closing |  | 02/12/2026 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084683 |  | 3158622383 |  | 35804756 |  | 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. $[Redacted] over legal limit. 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, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-16): [Redacted] received a valid COC.<br>Buyer Comment (2026-02-13): Do not Concur. Valid CIC for appraised value [Redacted]. CDv3 disclosed timely next day | 02/16/2026 |  |  | 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 |
| 225084683 |  | 3158622383 |  | 35804757 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the Closing Disclsoure 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 (2026-02-16): [Redacted] received a valid COC.<br>Buyer Comment (2026-02-13): Do not Concur. Valid CIC [Redacted] due to per title subject is leasehold and is not PIW elgibile. Appraisal required. CD v2 disclosed timely [Redacted] | 02/16/2026 |  |  | 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 |
| 225084685 |  | 3158622387 |  | 35805985 |  | 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]). | 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 |  |  |  | Reviewer Comment (2026-02-18): [Redacted] received LOA<br>Buyer Comment (2026-02-17): Please see attached email from title with proof of refund and final fee sheet<br>Reviewer Comment (2026-02-16): Exception is cited due to Reserve for Final Figures (PAD fee) in Section H. Unable to determine what the reserve holdback is for or what charges it was applied to. Fees could be finance charge related, but are unknown. If documented evidence is provided that holdback 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.<br>Buyer Comment (2026-02-13): Do not Concur. [Redacted] is including the section H - Reserve for final figures $[Redacted] in the calculations and should not be | 02/18/2026 |  |  | 1 C A |  | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084685 |  | 3158622387 |  | 35805987 |  | 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]). | 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 |  |  |  | Reviewer Comment (2026-02-18): [Redacted] received LOA<br>Buyer Comment (2026-02-17): Please see attached email from title with proof of refund and final fee sheet<br>Reviewer Comment (2026-02-16): Exception is cited due to Reserve for Final Figures (PAD fee) in Section H. Unable to determine what the reserve holdback is for or what charges it was applied to. Fees could be finance charge related, but are unknown. If documented evidence is provided that holdback 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.<br>Buyer Comment (2026-02-13): Do not Concur. [Redacted] is including the section H - Reserve for final figures $[Redacted] in the calculations and should not be | 02/18/2026 |  |  | 1 C A |  | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084687 |  | 3158622389 |  | 35768216 |  | 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. Due to the property type a UCDP assessment was not available. |  |  |  | Reviewer Comment (2026-02-12): desk review received with value supporting the appraised value | 02/12/2026 |  |  | 1 D A |  | CA | Primary | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084688 |  | 3158622390 |  | 35804471 |  | 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 Final 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 (2026-02-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Valid CIC for loan amount [Redacted] | 02/16/2026 |  |  | 1 C A |  | IL | 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 |
| 225084689 |  | 3158622391 |  | 35812210 |  | 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 (2026-02-18): [Redacted] received valid COC document<br>Buyer Comment (2026-02-17): Do not Concur. Lock expiration and CIC for loan points [Redacted]. Cdv3 disclosed timely. | 02/18/2026 |  |  | 1 C A |  | CT | 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 |
| 225084689 |  | 3158622391 |  | 35812214 |  | 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 (2026-02-17): CDA received and supports the appraised value<br>Buyer Comment (2026-02-17): Please see attached CDA. | 02/17/2026 |  |  | 1 D A |  | CT | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084690 |  | 3158622393 |  | 35807345 |  | 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. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount fee of $[Redacted] was disclosed 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 (2026-02-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Initial loan lock [Redacted]. LEv12 disclosed next day | 02/16/2026 |  |  | 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 |
| 225084690 |  | 3158622393 |  | 35807346 |  | 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. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection fee of $[Redacted] was added 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 (2026-02-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Valid CIC for required final inspection [Redacted]. Same day appraisal/invoice was received. LEv14 disclosed timely [Redacted] | 02/16/2026 |  |  | 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 |
| 225084692 |  | 3158622395 |  | 35805652 |  | 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. | Section G indicates escrow payment at closing to be $[Redacted] and the IEADS indicates the initial deposit to be $[Redacted]. |  |  |  | Reviewer Comment (2026-02-18): updated IEADS received<br>Buyer Comment (2026-02-18): Please see attached IEADS | 02/18/2026 |  |  | 1 B A |  | IL | 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. B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084694 |  | 3158622397 |  | 35813788 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Blanket policy was not provided in the file. |  |  |  | Reviewer Comment (2026-02-18): HOI policy received<br>Buyer Comment (2026-02-17): HOI Provided | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084694 |  | 3158622397 |  | 35813878 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Borrower employment verification is dated [Redacted], more than [Redacted] business days prior to note date of [Redacted]. |  |  |  | Reviewer Comment (2026-02-18): updated VOE within 10 business days has been received<br>Buyer Comment (2026-02-18): VOE dated [Redacted]; good through [Redacted] | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084697 |  | 3158622405 |  | 35804687 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points fee was disclose $[Redacted] on LE but disclosed as $[Redacted] in Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-18): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-02-17): Do not concur. Valid CIC for initial loan lock [Redacted]. CDv2 disclosed timely same day | 02/18/2026 |  |  | 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 |
| 225084698 |  | 3158622407 |  | 35814253 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-18): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-02-17): Do not Concur. Initial loan lock [Redacted]. CDv2 disclosed same day | 02/18/2026 |  |  | 1 C A |  | GA | 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 |
| 225084699 |  | 3158622409 |  | 35816308 |  | 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]. $[Redacted] over legal limit. 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 (2026-02-19): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-02-18): Do Not Concur. The loan did not lock until [Redacted], the discount points can float / change up until the loan locks, when the loan locked on [Redacted] the discount points were $[Redacted] and disclosed timely on CD v3. | 02/19/2026 |  |  | 1 C A |  | NC | 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 |
| 225084700 |  | 3158622410 |  | 35807509 |  | 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]. $[Redacted] over legal limit. 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 (2026-02-20): [Redacted] received valid COC document<br>Buyer Comment (2026-02-18): Do Not Concur. Please see CIC for purchase price change, the recording fee increase from $[Redacted] to $[Redacted] disclosed timely on LE v3. | 02/20/2026 |  |  | 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 |
| 225084701 |  | 3158622413 |  | 35804495 |  | 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]. $[Redacted] over legal limit. 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 (2026-02-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Initial loan lock [Redacted]. LEv4 disclosed timely same day | 02/16/2026 |  |  | 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 |
| 225084701 |  | 3158622413 |  | 35804496 |  | 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. $[Redacted] over legal limit. 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 (2026-02-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Valid CIC for review of sales contract [Redacted]. Sales contract states buyer will pay mansion tax. LEv2 disclosed timely [Redacted] | 02/16/2026 |  |  | 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 |
| 225084703 |  | 3158622416 |  | 35767973 |  | 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 changed changed to $[Redacted] on Loan Estimate 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 (2026-02-13): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-12): Do not Concur. Valid CICs for LnRate, Loan points, and Appraised value [Redacted]. LEv2 disclosed timely same day | 02/13/2026 |  |  | 1 C A |  | CA | 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 |
| 225084703 |  | 3158622416 |  | 35767974 |  | 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. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Discount Points increased on Loan Estimate 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 (2026-02-13): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-12): Do not Concur. Valid CICs for LnRate, Loan points, and Appraised value [Redacted]. LEv2 disclosed timely same day | 02/13/2026 |  |  | 1 C A |  | CA | 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 |
| 225084703 |  | 3158622416 |  | 35768013 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-02-13): HOI information received via screenshots from client system, meets guideline requirements<br>Buyer Comment (2026-02-13): [Redacted] to [Redacted] refinance [Redacted] screenshots provided<br>Buyer Comment (2026-02-13): Loan is a [Redacted] to [Redacted] refinance replacement cost verbally verified | 02/13/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084703 |  | 3158622416 |  | 35772506 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | File is missing a copy of the dec page for the subject hazard insurance to validate coverage. |  |  |  | Reviewer Comment (2026-02-13): HOI information received via screenshots from client system | 02/13/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084706 |  | 3158622419 |  | 35767385 |  | 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]. $[Redacted] over legal limit. 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 (2026-02-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do Not Concur. There was a change in the loan amount on [Redacted] due to customer decision, please see system snips of CIC, CD v3 Disclosed timely. | 02/16/2026 |  |  | 1 C A |  | VA | 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 |
| 225084706 |  | 3158622419 |  | 35767386 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax 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 (2026-02-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do Not Concur. There was a change in the loan amount on [Redacted] due to customer decision, please see system snips of CIC, CD v3 Disclosed timely. | 02/16/2026 |  |  | 1 C A |  | VA | 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 |
| 225084706 |  | 3158622419 |  | 35767387 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. The mailbox rule received date of [Redacted] was used for the Final Closing Disclosure dated [Redacted] due to missing borrower(s) receipt. Provide borrower signed copy of the Final CD. |  |  |  | Reviewer Comment (2026-02-13): received final CD with signature date matching note date<br>Buyer Comment (2026-02-13): Do Not Concur. Please see final CD uploaded. | 02/13/2026 |  |  | 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 |
| 225084706 |  | 3158622419 |  | 35767388 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). Provide borrower signed copy of the Final CD. |  |  |  | Reviewer Comment (2026-02-13): received final CD with signature date matching note date<br>Buyer Comment (2026-02-13): Do Not Concur. Please see final CD uploaded. | 02/13/2026 |  |  | 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 |
| 225084707 |  | 3158622421 |  | 35790246 |  | 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. | Based on review of the Note and Title Commitment the loan was a same lender refinance. |  |  |  | Reviewer Comment (2026-02-12): acceptable form was utilized<br>Buyer Comment (2026-02-12): Do not Concur. [Redacted] is for refi with new lender or multiple liens. See attached Scheduled B | 02/12/2026 |  |  | 1 B A |  | CA | 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 B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084708 |  | 3158622422 |  | 35768814 |  | 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 (2026-02-13): HOI coverage was sufficient to meet guideline requirements<br>Buyer Comment (2026-02-13): Loan is a [Redacted] to [Redacted] refinance [Redacted] Screenshots provided | 02/13/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084712 |  | 3158622430 |  | 35805684 |  | 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 it was sent [Redacted]; however, there is no documentation of receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-02-13): proof of appraisal delivery received<br>Buyer Comment (2026-02-13): Do not Concur. Appraisal was sent via [Redacted] [Redacted] | 02/13/2026 |  |  | 1 B A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084712 |  | 3158622430 |  | 35805688 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted] due to an increase in recording fees. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Valid CIC for POA added [Redacted]. Cdv2 disclosed timely next day | 02/16/2026 |  |  | 1 C A |  | WA | 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 |
| 225084718 |  | 3158622444 |  | 35814457 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Final Inspection Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-02-20): [Redacted] received a valid COC.<br>Buyer Comment (2026-02-18): Do Not Concur. An appraisal re-inspection was needed due to repairs needed identified from the first appraisal, please see CIC and system snips. | 02/20/2026 |  |  | 1 C A |  | OH | 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 |
| 225084718 |  | 3158622444 |  | 35814458 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Taxes were not disclosed on the initial Loan Estimate. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-02-20): 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 (2026-02-18): Do Not Concur. Please see that a $[Redacted] cure was applied to the final closing disclosure for this fee. | 02/20/2026 |  |  | 1 C A |  | OH | 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 |
| 225084718 |  | 3158622444 |  | 35854254 |  | 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 (2026-02-20): Sufficient Cure Provided At Closing |  | 02/20/2026 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084719 |  | 3158622445 |  | 35813763 |  | 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. |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084719 |  | 3158622445 |  | 35813904 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | The CD dated [Redacted] is a fixed rate product, while the previous CD had an adjustable rate product. The [Redacted] CD was not provided to the borrower 3 days prior to closing with this product change. |  |  |  | Buyer Comment (2026-02-23): Concur. The Customer called [Redacted] on [Redacted] to change their product, but the CD was not disclosed until [Redacted] and closed [Redacted]<br>Reviewer Comment (2026-02-18): The product change is an ARM to a Fixed rate loan. The [Redacted] CD indicated an ARM, as did all previous CD's. Then the final CD indicates a Fixed rate product, and is dated [Redacted], one day prior to closing.<br>Buyer Comment (2026-02-18): Please clarify the change in product, unable to determine that a product change happened on the closing disclosure issues on [Redacted] |  |  | 02/23/2026 | 3 C |  | OR | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084719 |  | 3158622445 |  | 35813905 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  | Reviewer Comment (2026-02-18): HBA information recieved and LE delivered timely<br>Buyer Comment (2026-02-18): 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 Initial LE was issued timely. | 02/18/2026 |  |  | 1 C A |  | OR | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084719 |  | 3158622445 |  | 35831428 |  | 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 (2026-02-17): Sufficient Cure Provided At Closing |  | 02/17/2026 |  | 1 A |  | OR | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084720 |  | 3158622447 |  | 35767963 |  | 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 (2026-02-13): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-12): Do not Concur. Initial loan lock [Redacted] and LEv3 disclosed timely [Redacted] | 02/13/2026 |  |  | 1 C A |  | MN | 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 |
| 225084721 |  | 3158622449 |  | 35803706 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___<br> Occupancy: ___; Declarations/Will borrower occupy: ___ | Subject is purchase of Second home. Final and initial 1003 declaration section 5a-A reflects the borrower does intend to occupy the property as their primary residence. Additionally, the borrowers already indicate ownership of another second home that appears to be on the same street as the subject. File did not contain any explanation to clarify the situation or the borrowers' intentions. |  |  |  | Reviewer Comment (2026-02-17): borrower LOX received<br>Buyer Comment (2026-02-17): see attached motivation letter. The prior 2nd home is a 1 bedroom , 1 bath, the subject is a 2 bedroom, 2.1 bath and an upgrade in size and value. [Redacted] confirms that the prior 2nd home was listed for sale on [Redacted] and price was reduced multiple times before being taken off the market on [Redacted] after closing. I assume that the condo did not sell and Customer plans to relist in the spring. | 02/17/2026 |  |  | 1 C A |  | MA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084721 |  | 3158622449 |  | 35804697 |  | 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. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was not disclosed on Loan Estimate and disclosed on Closing Disclosure as $[Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-02-16): [Redacted] received COC for rate lock dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Initial Loan lock did not occur until [Redacted]. Loan points can float until that happens. | 02/16/2026 |  |  | 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 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084721 |  | 3158622449 |  | 35804722 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of recording fee. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-02-16): 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 (2026-02-13): Do not Concur. Section E tolerance violation was already cured at closing | 02/16/2026 |  |  | 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 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084721 |  | 3158622449 |  | 35804761 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of Insurance Verification for [Redacted]: |  |  |  | Reviewer Comment (2026-02-17): REO documentation received<br>Buyer Comment (2026-02-17): see attached for insurance | 02/17/2026 |  |  | 1 C A |  | MA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084721 |  | 3158622449 |  | 35819226 |  | 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 (2026-02-16): Sufficient Cure Provided At Closing |  | 02/16/2026 |  | 1 A |  | MA | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084722 |  | 3158622450 |  | 35805202 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Expanded approval form in file, to use an expired HOI document for investment property owned free and clear. Customer cannot provide a current policy because it was not renewed; however, the expired document used by the underwriter could not be found in file. |  |  |  | Reviewer Comment (2026-02-13): sufficient REO documentation received<br>Buyer Comment (2026-02-13): Property [Redacted] is the free and clear property. Received email/lox from customer there is no HOI policy in force since [Redacted]<br> or required for property located at [Redacted]. Free and clear<br> property. Housing expenses was updated to reflect payment for taxes<br> $[Redacted]/12 =$[Redacted] per month, UW used the higher payment on [Redacted] bank<br> statement to [Redacted] [Redacted] vs the bill provided for $[Redacted]. | 02/13/2026 |  |  | 1 C A |  | NV | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084722 |  | 3158622450 |  | 35805205 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing tax verification for Quilici Ln property. |  |  |  | Reviewer Comment (2026-02-13): REO documentation received<br>Buyer Comment (2026-02-13): tax bill | 02/13/2026 |  |  | 1 C A |  | NV | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084722 |  | 3158622450 |  | 35805336 |  | 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 $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit changed to -$[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 (2026-02-16): [Redacted] received valid COC document<br>Buyer Comment (2026-02-13): Do not concur. Valid CICs for purchase price and loan points along with re-lock extension [Redacted]. LEv2 disclosed same day | 02/16/2026 |  |  | 1 C A |  | NV | 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 |
| 225084722 |  | 3158622450 |  | 35805353 |  | 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. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount fee of $[Redacted] was added 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 (2026-02-16): [Redacted] received valid COC document<br>Buyer Comment (2026-02-13): Do not Concur. Valid CICs appraised value, occupancy type, loan points, and loan amount [Redacted]. Cdv1 disclosed timely | 02/16/2026 |  |  | 1 C A |  | NV | 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 |
| 225084724 |  | 3158622455 |  | 35805753 |  | 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. |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084724 |  | 3158622455 |  | 35805797 |  | 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. | 10% tolerance was exceeded by $[Redacted] due to increase of fees. No valid COC provided, Sufficient or Excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2026-02-12): Sufficient Cure Provided At Closing |  | 02/12/2026 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084726 |  | 3158622458 |  | 35808854 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file is missing a copy of E-sign consent agreement. |  |  |  | Reviewer Comment (2026-02-18): evidence of econsent form received<br>Buyer Comment (2026-02-17): E Consent received electronically | 02/18/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084726 |  | 3158622458 |  | 35808870 |  | 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]). | 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 |  |  |  | Reviewer Comment (2026-02-22): CHD Ticket 52737 Mail away/shipping fee:<br> Can be excluded from prepaid finance charge calculation with LOE from lender confirming Mail away/shipping charge is associated with employee relocation as supported by corporate relocation document provided and lender does not require the particular service, does not require the imposition of the charge, and does not retain a portion of the third-party charge<br> Title Admin Fee<br> Email from provider enumerates services that include excludable 4(c)(7) charges (doc prep) as well as charges that would be considered prepaid finance charges (administration/coordination type fees, closing, storage and technology fees). Portions of the fee allocated for 4c7 purposes can be excluded with an itemization/breakdown, otherwise, entire fee is treated as a finance charge.<br>Buyer Comment (2026-02-20): Do not Concur. See attached LOX from title regarding the Title-Admin fee $[Redacted] should not be included as a prepaid fee<br>Reviewer Comment (2026-02-20): [Redacted] received additional information on lender finance charge calculation and fees. Information states the $[Redacted] Title-Mail away/Shipping fee was the required fee for mail-away & Saturday delivery. Information also states borrower relocation transaction. [Redacted] has broken out the Title-e-recording fee as $[Redacted] and is still a finance charge & the Title-Recording Fee $[Redacted] and still a finance charge. The information provided however, does not clarify the services and purpose provided of the Title-Mail away/Shipping fee and as this fee is in Section B (Services required by lender) which typically relates to lender related fees and not optional borrower chosen fees. Courier/Messenger fees are typically a finance charge and related to the extension of credit. We are unable to determine if these would not be based on the provided documents. Please note that the total underdisclosure is $[Redacted] and if this fee is determined not to be a finance charge, there would still be underdisclosure over tolerance. This appears to possibly be the $[Redacted] Title-Admin Fee that lender may not have included. File does not reflect a compliance report or breakdown of all lender finance charge calculations in order for [Redacted] to confirm/determine the discrepancies. Lender can provide a lender attestation specifically addressing the services/purposse of the fee(s) in question for further review if a finance charge. Cure would include a corrected CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing otherwise. The breakdown of fees by [Redacted] are: Flood Cert $5, Discount $[Redacted], Prepaid Int $[Redacted], Processing fee $[Redacted], Tax service $[Redacted], Title-Courier $[Redacted] (broken out as $[Redacted] on title-mail away/shipping & $[Redacted] title-shipping & Handling), Title-eRecording fee $[Redacted], Title-Recording Fee $[Redacted], Title-Admin Fee $[Redacted] & Financial Verif Fee $[Redacted].<br>Buyer Comment (2026-02-19): Please advise, [Redacted] has included the Recording Fee for $[Redacted], the Shipping & Handling Fee for $[Redacted], and the ERecording Fee for $[Redacted] as pre-paid fees for the finance charge calculation, the $[Redacted] Mail Away / Shipping fee was broken down on the final title fee sheet as two separate fees of $[Redacted] and $[Redacted]. This is a corporate relocation loan with the customer's company paying a significant portion of the closing fees and customer moving which requires additional mailing fees. Please see additional system snips showing that [Redacted] included fees as pre-paid, Final Title Fee sheet, Corp Relocation doc, and e-mail from title and advise.<br>Reviewer Comment (2026-02-18): Title - Courier Fee includes Title - Shipping and Handling - $[Redacted] and Title - Mail Away/Shipping - $[Redacted]. Title - Recording services Fee includes Title - eRecording Fee - $[Redacted] and Title - Recording Fee - $[Redacted].<br>Buyer Comment (2026-02-17): Please clarify what fees AMC is lumping together for the Title-courier fees $[Redacted] and the Title-recording services $[Redacted] to do further research |  |  |  | 3 C |  | NC | 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 |
| 225084726 |  | 3158622458 |  | 35808871 |  | 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]). | 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 |  |  |  | Reviewer Comment (2026-02-22): CHD Ticket 52737 Mail away/shipping fee:<br> Can be excluded from prepaid finance charge calculation with LOE from lender confirming Mail away/shipping charge is associated with employee relocation as supported by corporate relocation document provided and lender does not require the particular service, does not require the imposition of the charge, and does not retain a portion of the third-party charge<br> Title Admin Fee<br> Email from provider enumerates services that include excludable 4(c)(7) charges (doc prep) as well as charges that would be considered prepaid finance charges (administration/coordination type fees, closing, storage and technology fees). Portions of the fee allocated for 4c7 purposes can be excluded with an itemization/breakdown, otherwise, entire fee is treated as a finance charge.<br>Buyer Comment (2026-02-20): Do not Concur. See attached LOX from title regarding the Title-Admin fee $[Redacted] should not be included as a prepaid fee<br>Reviewer Comment (2026-02-20): [Redacted] received additional information on lender finance charge calculation and fees. Information states the $[Redacted] Title-Mail away/Shipping fee was the required fee for mail-away & Saturday delivery. Information also states borrower relocation transaction. [Redacted] has broken out the Title-e-recording fee as $[Redacted] and is still a finance charge & the Title-Recording Fee $[Redacted] and still a finance charge. The information provided however, does not clarify the services and purpose provided of the Title-Mail away/Shipping fee and as this fee is in Section B (Services required by lender) which typically relates to lender related fees and not optional borrower chosen fees. Courier/Messenger fees are typically a finance charge and related to the extension of credit. We are unable to determine if these would not be based on the provided documents. Please note that the total underdisclosure is $[Redacted] and if this fee is determined not to be a finance charge, there would still be underdisclosure over tolerance. This appears to possibly be the $[Redacted] Title-Admin Fee that lender may not have included. File does not reflect a compliance report or breakdown of all lender finance charge calculations in order for [Redacted] to confirm/determine the discrepancies. Lender can provide a lender attestation specifically addressing the services/purposse of the fee(s) in question for further review if a finance charge. Cure would include a corrected CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing otherwise. The breakdown of fees by [Redacted] are: Flood Cert $5, Discount $[Redacted], Prepaid Int $[Redacted], Processing fee $[Redacted], Tax service $[Redacted], Title-Courier $[Redacted] (broken out as $[Redacted] on title-mail away/shipping & $[Redacted] title-shipping & Handling), Title-eRecording fee $[Redacted], Title-Recording Fee $[Redacted], Title-Admin Fee $[Redacted] & Financial Verif Fee $[Redacted].<br>Buyer Comment (2026-02-19): Please advise, [Redacted] has included the Recording Fee for $[Redacted], the Shipping & Handling Fee for $[Redacted], and the ERecording Fee for $[Redacted] as pre-paid fees for the finance charge calculation, the $[Redacted] Mail Away / Shipping fee was broken down on the final title fee sheet as two separate fees of $[Redacted] and $[Redacted]. This is a corporate relocation loan with the customer's company paying a significant portion of the closing fees and customer moving which requires additional mailing fees. Please see additional system snips showing that [Redacted] included fees as pre-paid, Final Title Fee sheet, Corp Relocation doc, and e-mail from title and advise.<br>Reviewer Comment (2026-02-18): Title - Courier Fee includes Title - Shipping and Handling - $[Redacted] and Title - Mail Away/Shipping - $[Redacted]. Title - Recording services Fee includes Title - eRecording Fee - $[Redacted] and Title - Recording Fee - $[Redacted].<br>Buyer Comment (2026-02-17): Please clarify what fees AMC is lumping together for the Title-courier fees $[Redacted] and the Title-recording services $[Redacted] to do further research |  |  |  | 3 C |  | NC | 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 |
| 225084727 |  | 3158622459 |  | 35806156 |  | 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 changed to $-[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for the change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-18): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-02-17): Do not Concur. Valid CIC for loan amount [Redacted]. CDv2 disclosed timely | 02/18/2026 |  |  | 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 |
| 225084728 |  | 3158622460 |  | 35768877 |  | 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 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 (2026-02-13): [Redacted] received COC and appraiser comment for increase in fee.<br>Buyer Comment (2026-02-12): Do not Concur. Valid CIC and complexity comments attached [Redacted]. LEv2 disclosed timely same day. | 02/13/2026 |  |  | 1 C A |  | AZ | 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 |
| 225084730 |  | 3158622464 |  | 35805589 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-20): valid COC received<br>Buyer Comment (2026-02-19): Do Not Concur. The inspection was identified as needed on [Redacted], the fee was disclosed timely on CD v2 on [Redacted], and the final inspection was completed on [Redacted], please see system snips and signed final inspection with date of [Redacted].<br>Reviewer Comment (2026-02-19): [Redacted] received COC dated [Redacted], however 1004 completed subject to repairs on [Redacted] and fee added on [Redacted] CD which is not within 3 days of change. Please provide additional sufficient information why fee added on [Redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-02-17): Do not Concur. [Redacted] received appraisal/invoice reflecting final inspection was required same day with valid CIC [Redacted]. CDv2 disclosed timely same day | 02/20/2026 |  |  | 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 |
| 225084732 |  | 3158622466 |  | 35768661 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | 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 three business days prior to closing. |  |  |  | Reviewer Comment (2026-02-12): proof of e-delivery of initial CD has been received<br>Buyer Comment (2026-02-12): Do not Concur. Initial CD sent via [Redacted] | 02/12/2026 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084736 |  | 3158622474 |  | 35813758 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-20): valid COC received<br>Buyer Comment (2026-02-20): Do not Concur. Customer chose their own provider. Section C is unlimited tolerance as initially disputed<br>Reviewer Comment (2026-02-20): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the survey 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 COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Buyer Comment (2026-02-19): Do Not Concur. Please see CICs and title survey fee for $[Redacted] which was disclosed on LE v4.<br>Reviewer Comment (2026-02-19): [Redacted] received rebuttal, however survey fee is also part of 10% tolerance calculation as survey fee service provider was selected from SSPL. Please provide valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-02-17): Do not Concur. Section C on this purchase contract is unlimited tolerance. Recording fees in section C never went over baseline. Not sure where AMC is coming up with the amounts. Section E is only $[Redacted] charged to the customer. | 02/20/2026 |  |  | 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 |
| 225084737 |  | 3158622479 |  | 35812350 |  | 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 (2026-02-18): desk review received , with a value supporting the appraisal value<br>Buyer Comment (2026-02-18): Please see attached CDA. | 02/18/2026 |  |  | 1 D A |  | CA | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084737 |  | 3158622479 |  | 35812994 |  | 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]. $[Redacted] over legal limit. 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 (2026-02-18): [Redacted] received valid COC document<br>Buyer Comment (2026-02-17): Do not Concur. Initial loan lock [Redacted]. LEv4 disclosed timely same day | 02/18/2026 |  |  | 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 |
| 225084738 |  | 3158622482 |  | 35773068 |  | 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 changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for reduction in credits, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-16): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Valid CICs for property type, appraised value, and loan points [Redacted]. Cdv3 disclosed timely [Redacted] | 02/16/2026 |  |  | 1 C A |  | NE | 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 |
| 225084738 |  | 3158622482 |  | 35773069 |  | 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. $[Redacted] over legal limit. 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 (2026-02-16): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. Cdv4 disclosed same day, loan points decreased at closing | 02/16/2026 |  |  | 1 C A |  | NE | 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 |
| 225084738 |  | 3158622482 |  | 35773070 |  | 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. $[Redacted] over legal limit. 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 (2026-02-16): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Valid CICs for Client added and vesting change [Redacted]. Cdv1 disclosed timely same day. Transfer taxes decreased at closing | 02/16/2026 |  |  | 1 C A |  | NE | 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 |
| 225084739 |  | 3158622484 |  | 35807242 |  | 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 (2026-02-18): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2026-02-17): Do not Concur. Initial loan lock [Redacted]. LEv3 disclosed timely same day | 02/18/2026 |  |  | 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 |
| 225084740 |  | 3158622485 |  | 35815075 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing evidence of earlier receipt, initial CD not signed by borrower and doc tracking not provided. |  |  |  | Reviewer Comment (2026-02-17): evidence of initial CD delivery received<br>Buyer Comment (2026-02-17): Do not Concur. Initial CD sent via [Redacted] [Redacted] | 02/17/2026 |  |  | 1 C A |  | PA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084740 |  | 3158622485 |  | 35815284 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing HOA Verification |  |  |  | Reviewer Comment (2026-02-18): REO documentation received<br>Buyer Comment (2026-02-18): Underwriter comments: [Redacted], [Redacted], [Redacted] - [Redacted] - [Redacted] - [Redacted]-<br> rec'd [Redacted]- pymt [Redacted] includes [Redacted] for escrow . Purchased [Redacted]<br> verified per prop profile. Taxes on prop profile- [Redacted]/12= [Redacted] mo.<br> Escrow amt supports only for insurance, include taxes in [Redacted]. For HOA,<br> verified with recurring withdrawals of [Redacted] to [Redacted] [Redacted]- per<br> property profile, this is subdivision's name. <br> See attached docs to support<br>Buyer Comment (2026-02-18): Underwriter comments: [Redacted]- [Redacted] - [Redacted] - [Redacted] mtg [Redacted]-<br> rec'd [Redacted]- pymt [Redacted] includes [Redacted] for escrow . Purchased [Redacted]-[Redacted]<br> verified per prop profile. Taxes on prop profile- [Redacted]/12= [Redacted]mo.<br> Escrow amt supports only for insurance, include taxes in [Redacted]. For HOA,<br> verified with recurring withdrawals of [Redacted] to [Redacted][Redacted]- per<br> property profile, this is subdivision's name. <br> See attached docs to support<br>Buyer Comment (2026-02-18): Underwriter comments: [Redacted]- [Redacted]- [Redacted]- [Redacted] mtg [Redacted]-<br> rec'd [Redacted] - pymt [Redacted] includes [Redacted] for escrow . Purchased [Redacted]-[Redacted]<br> verified per prop profile. Taxes on prop profile- [Redacted]/12= [Redacted] mo.<br> Escrow amt supports only for insurance, include taxes in [Redacted] . For HOA,<br> verified with recurring withdrawals of [Redacted] to [Redacted] [Redacted] - per<br> property profile, this is subdivision's name. <br> See attached docs to support<br>Buyer Comment (2026-02-18): Underwriter noted: [Redacted]- [Redacted]- [Redacted]- [Redacted] mtg [Redacted]-<br> rec'd [Redacted] - pymt [Redacted] includes [Redacted] for escrow . Purchased [Redacted]-[Redacted]<br> verified per prop profile. Taxes on prop profile- [Redacted]/12= [Redacted] mo.<br> Escrow amt supports only for insurance, include taxes in [Redacted]. For HOA,<br> verified with recurring withdrawals of [Redacted] to [Redacted] [Redacted]- per<br> property profile, this is subdivision's name. see attached docs to confirm same<br>Buyer Comment (2026-02-18): Underwriter noted: [Redacted]- [Redacted]- [Redacted]- [Redacted] mtg [Redacted]-<br> rec'd [Redacted]- pymt [Redacted] includes [Redacted] for escrow . Purchased [Redacted]-[Redacted]<br> verified per prop profile. Taxes on prop profile- [Redacted]/12= [Redacted] mo.<br> Escrow amt supports only for insurance, include taxes in [Redacted] . For HOA,<br> verified with recurring withdrawals of [Redacted] to [Redacted] [Redacted]- per<br> property profile, this is subdivision's name. see attached docs to confirm same | 02/18/2026 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084742 |  | 3158622488 |  | 35768434 |  | 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. $[Redacted] over legal limit. 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 (2026-02-13): [Redacted] received COC dated [Redacted] for rate and loan amount change.<br>Buyer Comment (2026-02-12): Do not Concur. Valid CICs for loan amount, LnRate, and Loan points occurred [Redacted] that increased loan points. Points decreased at closing | 02/13/2026 |  |  | 1 C A |  | PA | 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 |
| 225084742 |  | 3158622488 |  | 35768435 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax 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 (2026-02-13): [Redacted] received COC dated [Redacted] for rate and loan amount change.<br>Buyer Comment (2026-02-12): Do not Concur. Valid CICs for loan amount and Review of the sales contract [Redacted]. LEv2 disclosed timely | 02/13/2026 |  |  | 1 C A |  | PA | 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 |
| 225084743 |  | 3158622493 |  | 35814294 |  | 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 in images. |  |  |  | Reviewer Comment (2026-02-18): escrow holdback form received<br>Buyer Comment (2026-02-18): The completion of the basement is in escrow holdback | 02/18/2026 |  |  | 1 C A |  | GA | Primary | Purchase | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084743 |  | 3158622493 |  | 35814334 |  | 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 used for fees provided on [Redacted] contains estimated values that may not represent final terms or closing costs to the borrower. 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. |  |  |  | Reviewer Comment (2026-02-18): The completion of the basement is in escrow holdback documentation is acceptable to resolve this issue.<br>Buyer Comment (2026-02-18): Do not Concur. There was a revised CD due to Revised escrow holdback. Customer was aware and signed even though no signature was required. No cure due back. No tolerance fees increased either. | 02/18/2026 |  |  | 1 D A |  | GA | Primary | Purchase | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084743 |  | 3158622493 |  | 35814335 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Issue appears to have been corrected on the Post-closing CD in file; however, for a full cure the following additional items are needed: 1) LOX to the borrowers, 2) proof of delivery, and 3) copy of the refund check for the underdisclosed amount. |  |  |  | Reviewer Comment (2026-02-23): [Redacted] received rebuttal on Title-Doc Prep Escrow/Agreement for $[Redacted]. However, the issue is not that this is a finance charge, the exception relates to the TOP calculation which was underdisclosed on the Final CD provided to borrower. Please note Final CD is issued on [Redacted], Doc ID [Redated], which does not reflect the fee in question on page 2 or within the Section D totals, amount of $[Redacted]. TOP was disclosed as $[Redacted]. Consummation date [Redacted] based on Notary date. Post Close CD's were provided that added the $[Redacted] Title-Doc Prep Escrow Agreement issued [Redacted] fee in Section C, which then increased the Section D total to $[Redacted]. TOP was then redisclosed post close at $[Redacted]. Total of Payments (TOP) was underdisclosed by $[Redacted] on the final CD. Cure is due to borrower for that underdisclosure with Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. Final settlement statement reflects the fee was charged borrower.<br>Buyer Comment (2026-02-23): Do not Concur. Please see attached LOX from title showing the title-Doc prep escrow agreement fee is not a prepaid fee, see calculations of TOP being in tolerance, and also signed Escrow agreement for postponed improvements.<br>Reviewer Comment (2026-02-20): The provided [Redacted] CD in trailing documents is incomplete. Based on the documents provided in the loan file the [Redacted] PCCD shows a fee increase of $[Redacted] for document prep. The TOP exception appears to be valid based on the loan file. The closing statement (not signed, not stamped) shows the $[Redacted] fee as well. No cure has been provided and there doesn't seem to be any cure provided, or any reason a cure would not be required. TOP is under disclosed in the amount of $[Redacted].<br>Buyer Comment (2026-02-20): Please see attached final fee sheet and appraisal subject to repairs<br>Reviewer Comment (2026-02-19): The Final CD disclosed Section D fees at $[Redacted]. [Redacted] PCCD had increase in the Section D fees to $[Redacted]. TOP was underdisclosed $[Redacted]. Calculated at $[Redacted] but disclosed on Final CD as $[Redacted]. At closing the final CD was underdiscliosed to borrower for the TOP calculation. Cure would be due unless lender disclosed fees based on best available information provided to them by provider that borrower shopped for. 1026.19 and 1026.17 require the creditor to disclose actual terms and costs of the transaction based on the best information reasonably available. The "reasonably available" standard requires that the creditor to act in good faith and exercise due diligence in obtaining the information. Please request document relied upon by creditor as basis for fee amounts disclosed on the CD to establish that creditor exercised diligence in obtaining the information and amounts disclosed were based on best information reasonably available to creditor at time of disclosure to address exception. A lender attestation would also be required that charge due to an event occurring after disclosures were provided and was not known to the creditor at time of disclosure and that changes resulted from an after-closing event and that lender used due diligence and based final CD on figures most available. Would need to provide proof of the document used for figures, such as estimated settlement statement.<br>Buyer Comment (2026-02-18): Do not Concur. There was a revised CD due to Revised escrow holdback. Customer was aware and signed even though no signature was required. No cure due back. No tolerance fees increased either. |  |  |  | 3 C |  | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084744 |  | 3158622494 |  | 35770720 |  | 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 $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit was disclosed as -$[Redated] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for credit decrease. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-02-16): [Redacted] received a valid COC.<br>Buyer Comment (2026-02-13): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv4 disclosed timely same day. This is where premium pricing turned into positive points | 02/16/2026 |  |  | 1 C A |  | CA | 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 |
| 225084744 |  | 3158622494 |  | 35770721 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Total [Redacted]% tolerance fees disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase(s). The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-02-16): 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 (2026-02-13): Do not Concur. Section E tolerance violation was already cured at closing | 02/16/2026 |  |  | 1 C A |  | CA | 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 |
| 225084744 |  | 3158622494 |  | 35770722 |  | 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. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for fee increase. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2026-02-16): [Redacted] received a valid COC.<br>Buyer Comment (2026-02-13): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv4 disclosed timely same day. This is where premium pricing turned into positive points | 02/16/2026 |  |  | 1 C A |  | CA | 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 |
| 225084744 |  | 3158622494 |  | 35797106 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing valid verification of employment for borrower obtained within 10 business days of Note date. The VVOE form provided lists contact name as '[Redacted] / [Redacted]' ([Redacted] / [Redacted]), which are [Redacted] employees. |  |  |  | Reviewer Comment (2026-02-15): recent paystub used for VOE is acceptable per guidelines<br>Buyer Comment (2026-02-13): Per procedures CCS or UW is an alternative for employment verification | 02/15/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084744 |  | 3158622494 |  | 35797107 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Missing valid verification of employment for borrower obtained within 10 business days of Note date. The VVOE form provided lists contact name as '[Redacted] / [Redacted]' ([Redacted] / [Redacted]), which are [Redacted] employees. |  |  |  | Reviewer Comment (2026-02-15): recent paystub used for VOE is acceptable per guidelines<br>Buyer Comment (2026-02-13): VOE Procedures provided | 02/15/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084744 |  | 3158622494 |  | 35797108 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing valid verification of employment for borrower obtained within 10 business days of Note date. The VVOE form provided lists contact name as '[Redacted] / [Redacted]' ([Redacted] / [Redacted]), which are [Redacted] employees. |  |  |  | Reviewer Comment (2026-02-15): recent paystub used for VOE is acceptable per guidelines<br>Buyer Comment (2026-02-13): VOE procedures provided | 02/15/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084744 |  | 3158622494 |  | 35797112 |  | 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 VVOE, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2026-02-15): recent paystub used for VOE is acceptable per guidelines | 02/15/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084744 |  | 3158622494 |  | 35797113 |  | 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 VVOE. |  |  |  | Reviewer Comment (2026-02-15): recent paystub used for VOE is acceptable per guidelines | 02/15/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084744 |  | 3158622494 |  | 35797114 |  | 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 VVOE. |  |  |  | Reviewer Comment (2026-02-15): recent paystub used for VOE is acceptable per guidelines | 02/15/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084744 |  | 3158622494 |  | 35819281 |  | 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 (2026-02-16): Sufficient Cure Provided At Closing |  | 02/16/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084745 |  | 3158622496 |  | 35816905 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2026-02-19): 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 (2026-02-18): Do not Concur. Section E tolerance violation already cured at closing | 02/19/2026 |  |  | 1 C A |  | CT | 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) | QM (APOR) Risk | Yes |
| 225084745 |  | 3158622496 |  | 35816906 |  | 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. $[Redacted] over legal limit. 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 violations. |  |  |  | Reviewer Comment (2026-02-19): [Redacted] received a valid COC.<br>Buyer Comment (2026-02-18): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv1 disclosed timely | 02/19/2026 |  |  | 1 C A |  | CT | 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) | QM (APOR) Risk | Yes |
| 225084745 |  | 3158622496 |  | 35830999 |  | 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 for DTI exception. |  |  |  | Reviewer Comment (2026-02-19): client accepts condition and rating |  |  | 02/19/2026 | 3 B C |  | CT | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 225084745 |  | 3158622496 |  | 35831000 |  | 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 [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Missing verification of 2 months rental income and deposit being received for the departing residence to allow for use of rental income. Not using rental income results in a DTI over guidelines. |  |  |  | Reviewer Comment (2026-02-19): client accepts condition and rating |  |  | 02/19/2026 | 3 C |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 225084745 |  | 3158622496 |  | 35831001 |  | 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 for DTI exception. |  |  |  | Reviewer Comment (2026-02-19): client accepts condition and rating |  |  | 02/19/2026 | 3 C |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 225084745 |  | 3158622496 |  | 35831003 |  | 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 ___. | Missing verification of 2 months rental income and deposit being received for the departing residence to allow for use of rental income. Not using rental income results in a DTI over guidelines. |  |  |  | Reviewer Comment (2026-02-19): client accepts condition and rating<br>Buyer Comment (2026-02-18): we accept this one unfortunately |  |  | 02/19/2026 | 3 C |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 225084745 |  | 3158622496 |  | 35831004 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of 2 months rental income and deposit being received for the departing residence to allow for use of rental income. Not using rental income results in a DTI over guidelines. |  |  |  | Reviewer Comment (2026-02-19): client accepts condition and rating<br>Buyer Comment (2026-02-18): we accept this one unfortunately |  |  | 02/19/2026 | 3 C |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 225084745 |  | 3158622496 |  | 35831036 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing verification of 2 months rental income being received. |  |  |  | Reviewer Comment (2026-02-19): client accepts condition and rating<br>Buyer Comment (2026-02-18): We accept this one , the checks are missing , no rental income can be used. |  |  | 02/19/2026 | 3 C |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 225084745 |  | 3158622496 |  | 35831051 |  | 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 DTI issue. |  |  |  | Reviewer Comment (2026-02-19): client accepts condition and rating |  |  | 02/19/2026 | 3 C |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 225084745 |  | 3158622496 |  | 35846662 |  | 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 (2026-02-19): Sufficient Cure Provided At Closing |  | 02/19/2026 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 225084746 |  | 3158622498 |  | 35770875 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | [Redated] missing a Copy of the Mortgage Statement and Insurance Verification. |  |  |  | Reviewer Comment (2026-02-13): REO documentation received<br>Buyer Comment (2026-02-13): taxes<br>Buyer Comment (2026-02-13): mtg statement | 02/13/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084748 |  | 3158622501 |  | 35815972 |  | 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. | 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 (2026-02-13): Sufficient Cure Provided within [Redacted] Days of Closing |  | 02/13/2026 |  | 1 A |  | CA | 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 |
| 225084751 |  | 3158622505 |  | 35825988 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2026-02-17): e-consent not required for this loan<br>Buyer Comment (2026-02-17): Do not concur. No documents were e-signed. Documents were physically signed. Consent is not required. | 02/17/2026 |  |  | 1 C A |  | LA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084751 |  | 3158622505 |  | 35825994 |  | 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]). | Disclosed Amount Financed is $[Redacted]. Due Diligence Amount Financed is $[Redacted]. There is a variance of $[Redacted] ($[Redacted] Payoff Statement / Processing Fee paid to settlement agent disclosed in Section H. |  |  |  | Reviewer Comment (2026-02-17): evidence of fee as non prepaid fee received<br>Buyer Comment (2026-02-17): Please review page [Redacted] of uploaded passing [Redacted] that lists the $[Redacted] fee as a non-prepaid Inspection Fee. | 02/17/2026 |  |  | 1 C A |  | LA | 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 |
| 225084751 |  | 3158622505 |  | 35825995 |  | 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]). | Disclosed Finance Charge is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of -$[Redacted] ($[Redacted] Payoff Statement / Processing Fee paid to settlement agent disclosed in Section H. |  |  |  | Reviewer Comment (2026-02-17): evidence of fee as non prepaid fee received<br>Buyer Comment (2026-02-17): Please review page [Redacted] of uploaded passing [Redacted] that lists the $[Redacted] fee as a non-prepaid Inspection Fee. | 02/17/2026 |  |  | 1 C A |  | LA | 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 |
| 225084752 |  | 3158622506 |  | 35816469 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  | Reviewer Comment (2026-02-18): payoff statements received<br>Buyer Comment (2026-02-18): Please review uploaded payoffs. | 02/18/2026 |  |  | 1 B A |  | IA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084752 |  | 3158622506 |  | 35816726 |  | 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 evidence of appraisal receipt three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-02-18): appraisal delivery received<br>Buyer Comment (2026-02-18): Please review uploaded proof of appraisal delivery. | 02/18/2026 |  |  | 1 B A |  | IA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084752 |  | 3158622506 |  | 35822732 |  | 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 (2026-02-16): Sufficient Cure Provided within 60 Days of Closing |  | 02/16/2026 |  | 1 A |  | IA | Primary | Refinance - Cash-out - Other | 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 |
| 225084754 |  | 3158622508 |  | 35812329 |  | 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. | 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. ([Redacted]) |  |  |  | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084754 |  | 3158622508 |  | 35812330 |  | 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 $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([Redacted]) |  |  |  | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084754 |  | 3158622508 |  | 35812331 |  | 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. ([Redacted]) |  |  |  | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084756 |  | 3158622513 |  | 35813254 |  | 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 (2026-02-17): appraisal receipt received<br>Buyer Comment (2026-02-17): Do Not Concur - appraisal receipt in file | 02/17/2026 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084756 |  | 3158622513 |  | 35813255 |  | 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 (2026-02-17): appraisal receipt received<br>Buyer Comment (2026-02-17): receipt in file | 02/17/2026 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084756 |  | 3158622513 |  | 35813256 |  | 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 3rd party verification of the c/b's self-employment. |  |  |  | Reviewer Comment (2026-02-18): 3rd party verification of employment received | 02/18/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084756 |  | 3158622513 |  | 35813257 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | File is missing 3rd party verification of the c/b's self-employment. |  |  |  | Reviewer Comment (2026-02-18): 3rd party verification of employment received<br>Buyer Comment (2026-02-17): Per UW notes please see attached profile under Boards, Advisory Committees, Professional Organizations; supporting income streams from [Redacted], [Redacted], [Redacted] reporting on the [Redacted] Profit and Loss statement ([Redacted]) for [Redacted] Schedule [Redacted] business. | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084756 |  | 3158622513 |  | 35813260 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The Initial CD was signed by the borrower on [Redacted] which was not at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-02-18): evidence of initial CD delivery received<br>Buyer Comment (2026-02-18): Do Not Concur - Initial CD was provided to the borrowers on [Redacted] | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084756 |  | 3158622513 |  | 35813313 |  | 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 3rd party verification of the c/b's self-employment. |  |  |  | Reviewer Comment (2026-02-18): 3rd party verification of employment received | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084756 |  | 3158622513 |  | 35829022 |  | 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 3rd party verification of the c/b's self-employment. |  |  |  | Reviewer Comment (2026-02-18): 3rd party verification of employment received | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084756 |  | 3158622513 |  | 35829083 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing 3rd party verification of the c/b's self-employment. |  |  |  | Reviewer Comment (2026-02-18): 3rd party verification of employment received | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084761 |  | 3158622523 |  | 35810697 |  | 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] the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2026-02-17): replacement cost coverage is acceptable and meets guideline requirements<br>Buyer Comment (2026-02-17): Please see [Redacted] Replacement Cost coverage under Forms, Options and Endorsements on policy ([Redacted]). | 02/17/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084763 |  | 3158622526 |  | 35813530 |  | 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. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084764 |  | 3158622527 |  | 35765941 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | 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 reflects HOA dues of $[Redacted] annually; however, the final Closing Disclosure does not reflect any non-escrowed costs over Year 1. |  |  |  | Reviewer Comment (2026-02-17): PCCD and LOX received<br>Buyer Comment (2026-02-17): Please see LOX and PCCD reflecting HOA dues. |  | 02/17/2026 |  | 2 C B |  | CO | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084764 |  | 3158622527 |  | 35768578 |  | 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. | Based on review of the Note and the Title Commitment the loan was a same lender refinance. |  |  |  | Reviewer Comment (2026-02-12): client accepts EV2 condition rating<br>Buyer Comment (2026-02-12): EV2 accepted. |  |  | 02/12/2026 | 2 B |  | CO | 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 B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084766 |  | 3158622529 |  | 35768277 |  | 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 (2026-02-10): Sufficient Cure Provided At Closing |  | 02/10/2026 |  | 1 A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084767 |  | 3158622531 |  | 35768069 |  | 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 Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2026-02-10): Sufficient Cure Provided within [Redacted] Days of Closing |  | 02/10/2026 |  | 1 A |  | UT | 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 |
| 225084771 |  | 3158622542 |  | 35816681 |  | 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 (2026-02-18): [Redacted] CU Risk score of [Redacted] received and acceptable<br>Buyer Comment (2026-02-18): Do Not Concur - please review | 02/18/2026 |  |  | 1 D A |  | CO | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084771 |  | 3158622542 |  | 35816723 |  | 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 $[Redacted] on LE but disclosed as [Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084771 |  | 3158622542 |  | 35833614 |  | 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. | No documentation provided to show the appraisal was provided to the borrower at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2026-02-18): appraisal ack received<br>Buyer Comment (2026-02-18): Do Not Concur - please review ack. | 02/18/2026 |  |  | 1 B A |  | CO | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084774 |  | 3158622545 |  | 35813521 |  | 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 Title - Closing Protection Letter 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 Title - Closing Protection Letter Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084774 |  | 3158622545 |  | 35813522 |  | 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 Title - Lender's Title Insurance. 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 Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084775 |  | 3158622547 |  | 35768546 |  | 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 (2026-02-23): received email correspondence from insurance agent confirming the existing coverage is equal to the insurance companies replacement cost estimate, and therefore coverage is acceptable<br>Buyer Comment (2026-02-23): Please review Dec page and email<br>Reviewer Comment (2026-02-12): Guidelines require coverage to be equal to the lesser of 100% replacement cost value of the improvements or the unpaid principal balance of the loan, provided it equals no less than 80% of the replacement cost value of the improvements. Current coverage does not meet this guideline.<br>Buyer Comment (2026-02-12): Do not concur, Dwelling coverage $[Redacted] plus the additional [Redacted]% Dwelling coverage/Replacement cost =$[Redacted] this is sufficient coverage to the Note amount please cancel exception. | 02/23/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084775 |  | 3158622547 |  | 35768557 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The final 1003 indicates the co-borrower is a permanent resident alien; however, the file did not contain a copy of his Permanent Resident card. |  |  |  | Reviewer Comment (2026-02-12): resident card received<br>Buyer Comment (2026-02-12): Please review Resident card attached | 02/12/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084775 |  | 3158622547 |  | 35768602 |  | 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 appraisal was sent to borrower [Redacted]; however there is no documented receipt and the presumed receipt date would have been after closing. |  |  |  | Reviewer Comment (2026-02-12): appraisal ack form received<br>Buyer Comment (2026-02-12): Please review Appraisal Acknowledgment attached | 02/12/2026 |  |  | 1 B A |  | NC | Primary | Refinance - Cash-out - Other | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084777 |  | 3158622551 |  | 35816314 |  | 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 (2026-02-18): HOI reflects replacement cost coverage, which is acceptable<br>Buyer Comment (2026-02-18): Do Not Concur - please review A1 replacement coverage | 02/18/2026 |  |  | 1 C A |  | NH | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084777 |  | 3158622551 |  | 35816316 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Note indicates city to be [Redacted]; however, the appraisal indicates it is [Redated]. |  |  |  | Reviewer Comment (2026-02-18): neighborhood section of the appraisal describes the two as one in the same and acceptable<br>Buyer Comment (2026-02-18): Do Not Concur - one and the same - further description located page 10 of appraisal under neighborhood description | 02/18/2026 |  |  | 1 C A |  | NH | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084779 |  | 3158622553 |  | 35816807 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Multiple contradicting Partial Payments answers selected on pg. 4 of final CD. |  |  |  | Reviewer Comment (2026-02-23): LOX and corrected PCCD received<br>Buyer Comment (2026-02-23): Please see attached PCCD correcting page 4. |  | 02/23/2026 |  | 2 C B |  | UT | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084780 |  | 3158622554 |  | 35826028 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Intercap Lending Inc mortgage statement verifying $[Redacted] payment include escrow for hazard insurance and property taxes for [Redacted] property. |  |  |  | Reviewer Comment (2026-02-19): REO documentation in file is sufficient<br>Buyer Comment (2026-02-19): Do not concur. There are no monthly insurance, taxes or association dues not included in the mortgage payment stated on the final 1003. The mortgage payment is reflected on the credit report and is in line with including escrows as stated on the final 1003. The statement is not required. | 02/19/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084780 |  | 3158622554 |  | 35829331 |  | 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 evidence of appraisal receipt three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-02-18): appraisal reciept received<br>Buyer Comment (2026-02-18): See attached Appraisal receipt. | 02/18/2026 |  |  | 1 B A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084780 |  | 3158622554 |  | 35830607 |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | Missing copy of current statement verifying $[Redacted] [Redacted] account balance. Account balance amount provided to support continuance of Trust Income used to qualify. The screen shot provided is not sufficient as it is not dated. The balance from the most recent full statement to the screenshot is up substantially - supporting documentation for any large deposits would also be required. |  |  |  | Reviewer Comment (2026-02-19): documentation in file is acceptable and meets guideline requirements<br>Buyer Comment (2026-02-19): Do not concur. Trust income was reviewed to Fannie Mae guidelines with amount, frequency, type of income being received, the date the trust was created, and continuance being documented by Trust Agreement, Trust grantor letter affirming balances (signed/dated [Redacted]), along with asset statements and screenshots. While the balance on screenshots increased, trust asset deposit sourcing is not required, as they are solely being used for income, and are not being utilized for cash to close and/or reserves. | 02/19/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084780 |  | 3158622554 |  | 35830611 |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | Missing copy of current statement verifying $[Redacted] [Redacted] account balance. Account balance amount provided to support continuance of Trust Income used to qualify. Screenshot in file with most current balance is not sufficient as it is not dated and does not provide history from last statement forward. |  |  |  | Reviewer Comment (2026-02-19): documentation in file is acceptable and meets guideline requirements<br>Buyer Comment (2026-02-19): Do not concur. Trust income was reviewed to Fannie Mae guidelines with amount, frequency, type of income being received, the date the trust was created, and continuance being documented by Trust Agreement, Trust grantor letter affirming balances (signed/dated [Redacted]), along with asset statements and screenshots. While the balance on screenshots increased, trust asset deposit sourcing is not required, as they are solely being used for income, and are not being utilized for cash to close and/or reserves. | 02/19/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084780 |  | 3158622554 |  | 35830617 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing copy of current statement(s) verifying $[Redacted] [Redacted] account balance and $[Redacted] [Redacted] account balance. Account balance amount provided to support continuance of Trust Income used to qualify. |  |  |  | Reviewer Comment (2026-02-19): documentation in file is acceptable and meets guideline requirements<br>Buyer Comment (2026-02-19): Do not concur. Trust income was reviewed to Fannie Mae guidelines with amount, frequency, type of income being received, the date the trust was created, and continuance being documented by Trust Agreement, Trust grantor letter affirming balances (signed/dated [Redacted]), along with asset statements and screenshots. While the balance on screenshots increased, trust asset deposit sourcing is not required, as they are solely being used for income, and are not being utilized for cash to close and/or reserves. | 02/19/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084780 |  | 3158622554 |  | 35830629 |  | 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 copy of current statement(s) verifying $[Redacted] [Redacted] account balance and $[Redacted] [Redacted] account balance. Account balance amount provided to support continuance of Trust Income used to qualify. |  |  |  | Reviewer Comment (2026-02-19): documentation in file is acceptable and meets guideline requirements | 02/19/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084780 |  | 3158622554 |  | 35830635 |  | 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 copy of current statement(s) verifying $[Redacted] [Redacted] account balance and $[Redacted] [Redacted] account balance, resulting in loan designation discrepancy. |  |  |  | Reviewer Comment (2026-02-19): documentation in file is acceptable and meets guideline requirements | 02/19/2026 |  |  | 1 B A C |  | UT | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084780 |  | 3158622554 |  | 35830636 |  | 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. |  |  |  |  | Reviewer Comment (2026-02-19): documentation in file is acceptable and meets guideline requirements | 02/19/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084782 |  | 3158622556 |  | 35795477 |  | 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 (2026-02-11): Sufficient Cure Provided At Closing |  | 02/11/2026 |  | 1 A |  | MT | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084783 |  | 3158622557 |  | 35814353 |  | 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 (2026-02-17): appraisal ack in file | 02/17/2026 |  |  | 1 B A |  | NV | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084783 |  | 3158622557 |  | 35829543 |  | 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 (2026-02-17): Sufficient Cure Provided At Closing |  | 02/17/2026 |  | 1 A |  | NV | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084783 |  | 3158622557 |  | 35829544 |  | 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 (2026-02-17): Sufficient Cure Provided At Closing |  | 02/17/2026 |  | 1 A |  | NV | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084784 |  | 3158622559 |  | 35812700 |  | 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 provided to the borrower(s) within three (3) business days prior to consummation was not provided in the file. |  |  |  | Reviewer Comment (2026-02-17): appraisal receipt received<br>Buyer Comment (2026-02-17): Please review Appraisal receipt attached | 02/17/2026 |  |  | 1 B A |  | IN | Second Home | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084785 |  | 3158622561 |  | 35796288 |  | 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 (2026-02-11): Sufficient Cure Provided At Closing |  | 02/11/2026 |  | 1 A |  | AR | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084786 |  | 3158622562 |  | 35812485 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. |  |  |  |  | Reviewer Comment (2026-02-18): disclosure received<br>Buyer Comment (2026-02-18): See attached Itemized Disclosure | 02/18/2026 |  |  | 1 C 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 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084786 |  | 3158622562 |  | 35826029 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | [Redacted] 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. |  |  |  |  | Reviewer Comment (2026-02-18): disclosure received<br>Buyer Comment (2026-02-18): See attached Notice Concerning Extensions of Credit disclosure. | 02/18/2026 |  |  | 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 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084788 |  | 3158622568 |  | 35813805 |  | 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]. $[Redacted] over legal limit. 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 (2026-02-20): [Redacted] received valid COC document<br>Buyer Comment (2026-02-18): Do Not Concur - valid CIC located in file | 02/20/2026 |  |  | 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) | Exempt from ATR | Yes |
| 225084788 |  | 3158622568 |  | 35813920 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The initial and final 1003s in file indicate the borrower is a permanent resident alien; however, a copy of the borrower's Permanent Resident card was not in file. |  |  |  | Reviewer Comment (2026-02-18): residency card received<br>Buyer Comment (2026-02-18): Do Not Concur Perm. Resd. card in file | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 225084788 |  | 3158622568 |  | 35829187 |  | 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. |  |  |  |  | Reviewer Comment (2026-02-17): CDFI originated loan | 02/17/2026 |  |  | 1 A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 225084789 |  | 3158622569 |  | 35814239 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2026-02-17): appraisal ack in file | 02/17/2026 |  |  | 1 A |  | IL | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084794 |  | 3158622576 |  | 35768663 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2026-02-13): e-consent form received<br>Buyer Comment (2026-02-13): Please review Consent attached | 02/13/2026 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084795 |  | 3158622577 |  | 35828939 |  | 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 (2026-02-17): appraisal ack in file | 02/17/2026 |  |  | 1 B A |  | MA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084797 |  | 3158622579 |  | 35824290 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception due to collateral issues to allow an unfinished item related to a built-in outdoor heater on the covered patio. 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 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 | Reviewer Comment (2026-02-16): Exception approved with comp factors. |  |  | 02/16/2026 | 2 B |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084798 |  | 3158622581 |  | 35767636 |  | 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]. $[Redacted] over legal limit. 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 (2026-02-16): 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 (2026-02-13): Do not Concur. Section E tolerance violation was already cured at closing | 02/16/2026 |  |  | 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 |
| 225084798 |  | 3158622581 |  | 35767637 |  | 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. $[Redacted] over legal limit. 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 (2026-02-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Valid CIC for final inspection required with detailed comments [Redacted]. Cdv2 disclosed timely [Redacted] | 02/16/2026 |  |  | 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 |
| 225084798 |  | 3158622581 |  | 35767638 |  | 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. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | TheTransfer Tax 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 (2026-02-18): [Redacted] received COC dated [Redacted] and as per contract addendum.<br>Buyer Comment (2026-02-17): Please see attached signed Addendum<br>Reviewer Comment (2026-02-16): [Redacted] received LOE and reason due to addendum received for borrower to pay [Redacted] Tax. However, as per file the addendum available ([Redacted]) is not signed and dated. Please provide fully executed copy of addendum to validate the reason.<br>Buyer Comment (2026-02-13): Do not Concur. Valid CIC for receipt of the sales contract addendum [Redacted] acknowledging the buyer shall pay the [Redacted] tax at closing. CDv4 disclosed timely same day | 02/18/2026 |  |  | 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 |
| 225084798 |  | 3158622581 |  | 35837125 |  | 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 (2026-02-18): Sufficient Cure Provided At Closing |  | 02/18/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084799 |  | 3158622582 |  | 35770541 |  | 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 $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit was disclosed as -$[Redacted] on the initial Loan Estimate but disclosed as -$[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for credit decrease and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-02-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Valid CICs for LnRate and Loan amount [Redacted]. CDv3 disclosed [Redacted] | 02/16/2026 |  |  | 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 |
| 225084801 |  | 3158622584 |  | 35814117 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing a copy of the Tax and Insurance Verification. |  |  |  | Reviewer Comment (2026-02-19): contract and final CD received<br>Buyer Comment (2026-02-18): Sales contract for property that sold [Redacted] | 02/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084801 |  | 3158622584 |  | 35814124 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Therefore, the file is does not contain sufficient asset documentation for closing funds. All information in the file indicated the source of funds was to be the proceeds from the sale of the departing residence; however, there final CD/HUD for that sale was not in file so no credit was given for the proceeds. |  |  |  | Reviewer Comment (2026-02-19): evidence of sale of property received, DTI and assets adjusted<br>Buyer Comment (2026-02-18): Final CD provided | 02/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084801 |  | 3158622584 |  | 35814184 |  | 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 the asset and DTI issues resulting from the missing documentation from the sale of the departing residence. |  |  |  | Reviewer Comment (2026-02-19): evidence of sale of property received, DTI and assets adjusted | 02/19/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084801 |  | 3158622584 |  | 35814186 |  | 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 [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The file is missing the final CD/HUD from the sale of the departing residence evidencing payoff of the lien on the property. Without the documentation to evidence the property was sold, the related debt was included in DTI. |  |  |  | Reviewer Comment (2026-02-19): evidence of sale of property received, DTI and assets adjusted | 02/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084801 |  | 3158622584 |  | 35814199 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The file is missing the final CD/HUD from the sale of the departing residence evidencing payoff of the lien on the property. Without the documentation to evidence the property was sold, the related debt was included in DTI. |  |  |  | Reviewer Comment (2026-02-19): evidence of sale of property received, DTI and assets adjusted | 02/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084801 |  | 3158622584 |  | 35814200 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require 6 months of reserves for this loan and there are none verified. All information in the file indicated the source of funds was to be the proceeds from the sale of the departing residence; however, there final CD/HUD for that sale was not in file so no credit was given for the proceeds. |  |  |  | Reviewer Comment (2026-02-19): evidence of sale of property received, DTI and assets adjusted | 02/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084801 |  | 3158622584 |  | 35814203 |  | 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 asset and DTI issues resulting from the missing documentation from the sale of the departing residence. |  |  |  | Reviewer Comment (2026-02-19): evidence of sale of property received, DTI and assets adjusted | 02/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084801 |  | 3158622584 |  | 35838482 |  | 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 asset and DTI issues resulting from the missing documentation from the sale of the departing residence. |  |  |  | Reviewer Comment (2026-02-19): evidence of sale of property received, DTI and assets adjusted | 02/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084801 |  | 3158622584 |  | 35838483 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing documentation from the sale of the departing residence to document sufficient funds to close and cover required reserves. |  |  |  | Reviewer Comment (2026-02-19): evidence of sale of property received, DTI and assets adjusted<br>Buyer Comment (2026-02-18): Sale of Departing CD provided. | 02/19/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084802 |  | 3158622589 |  | 35805851 |  | 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]. $[Redacted] over legal limit. 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 (2026-02-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2026-02-13): Do not Concur. Lock expiration and CIC for loan points [Redacted]. CDv2 disclosed timely [Redacted] | 02/16/2026 |  |  | 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 |
| 225084803 |  | 3158622590 |  | 35814304 |  | 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 Credit changed to $[Redacted] on the LE/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 (2026-02-20): [Redacted] received rebuttal and COC suffice<br>Buyer Comment (2026-02-18): Do not Concur. Promotional credit $[Redacted] was received at closing | 02/20/2026 |  |  | 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 |
| 225084803 |  | 3158622590 |  | 35814305 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $[Redacted] due to increase of settlement fees. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-20): 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 (2026-02-18): Do not Concur. Ten percent tolerance violation already cured at closing | 02/20/2026 |  |  | 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 |
| 225084803 |  | 3158622590 |  | 35814306 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-20): [Redacted] received rebuttal and COC suffice<br>Buyer Comment (2026-02-18): Do not Concur. [Redacted] received the appraisal/invoice [Redacted]. Same day with valid CIC reflecting final inspection is required. LEv6 disclosed timely [Redacted] | 02/20/2026 |  |  | 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 |
| 225084803 |  | 3158622590 |  | 35854022 |  | 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 (2026-02-20): Sufficient Cure Provided At Closing |  | 02/20/2026 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084804 |  | 3158622593 |  | 35813357 |  | 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. | Ten Percent Fee Tolerance exceeded for Recording Fee. 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 (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084807 |  | 3158622598 |  | 35808917 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | W-2 ([Redacted]) is missing |  |  |  | Reviewer Comment (2026-02-18): co-borrower W2 received<br>Buyer Comment (2026-02-18): Attached both customers w2 for [Redacted]<br>Buyer Comment (2026-02-18): w2 | 02/18/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084807 |  | 3158622598 |  | 35808979 |  | 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 the missing [Redacted] W2 for the co-borrower. |  |  |  | Reviewer Comment (2026-02-18): co-borrower W2 received | 02/18/2026 |  |  | 1 B A C |  | IL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084807 |  | 3158622598 |  | 35808980 |  | 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 [Redacted] W2 for the co-borrower. |  |  |  | Reviewer Comment (2026-02-18): co-borrower W2 received | 02/18/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084807 |  | 3158622598 |  | 35815145 |  | 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 [Redacted] W2 for the co-borrower. |  |  |  | Reviewer Comment (2026-02-18): co-borrower W2 received<br>Buyer Comment (2026-02-18): w2 attached | 02/18/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084807 |  | 3158622598 |  | 35815156 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the [Redacted] W-2 for the Co-Borrowers current employment. |  |  |  | Reviewer Comment (2026-02-18): co-borrower W2 received<br>Buyer Comment (2026-02-18): w2 uploaded | 02/18/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084810 |  | 3158622606 |  | 35804560 |  | 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 (2026-02-18): evidence of replacement cost coverage received<br>Buyer Comment (2026-02-18): RCC Provided | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084812 |  | 3158622609 |  | 35768902 |  | 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 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 (2026-02-16): [Redacted] received valid COC document<br>Buyer Comment (2026-02-13): Do not concur. Valid CIC for loan amount [Redacted] decreased loan points to $[Redacted]. CDv1 disclosed timely [Redacted]. Customer received more at closing $[Redacted] | 02/16/2026 |  |  | 1 C A |  | CA | 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 |
| 225084814 |  | 3158622613 |  | 35813392 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Copy of mortgage statement, Insurance verification and taxes are missing from the loan file. |  |  |  | Reviewer Comment (2026-02-18): REO documentation received<br>Buyer Comment (2026-02-18): See attached mortgage statement that notes escrows are included. | 02/18/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084814 |  | 3158622613 |  | 35813482 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of the application date. |  |  |  | Reviewer Comment (2026-02-17): disclosure included in initial package sent to borrower<br>Buyer Comment (2026-02-17): Do not Concur. The Home Loan Counseling was sent via [Redacted] in the application package | 02/17/2026 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084814 |  | 3158622613 |  | 35813483 |  | 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. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase in fees. However evidence of cure in file for $[Redacted]. |  |  |  | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |  | 02/13/2026 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084815 |  | 3158622614 |  | 35807813 |  | 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 (2026-02-12): Sufficient Cure Provided At Closing |  | 02/12/2026 |  | 1 A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225084817 |  | 3158622618 |  | 35814970 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-20): valid COC received<br>Buyer Comment (2026-02-19): [Redacted] used [Redacted] title as a managed vendor and [Redacted] became [Redacted] in [Redacted].<br>Buyer Comment (2026-02-19): Do Not Concur. Please see valid CICs for title insurance change which disclosed timely on CD v3, the Title fee sheet for [Redacted] with the title fee listed, and the final CD with the title fee listed and also showing [Redacted] was the title company.<br>Reviewer Comment (2026-02-19): [Redacted] received COC. Title fees were disclosed in Section B which are tested at 10% tolerance. Provider listed on SSPL is Mortgage Connect Title. Fees on CD were paid to [Redacted] Title. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Buyer Comment (2026-02-18): Do not Concur. Valid CIC for loan amount [Redacted] which increased Title-Lenders tite insurance. CDv3 disclosed timely | 02/20/2026 |  |  | 1 C A |  | UT | 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 |
| 225084817 |  | 3158622618 |  | 35814971 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Fee last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. . A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-19): [Redacted] received a valid COC<br>Buyer Comment (2026-02-18): Do not Concur. Valid CICs for loan amount, Interest rate, and loan points [Redacted]. Cdv3 disclosed timely | 02/19/2026 |  |  | 1 C A |  | UT | 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 |
| 225084817 |  | 3158622618 |  | 35840208 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of collateral related to outstanding repairs due to cabinets missing doors/drawers and to allow for only 1 appraisal. 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. | Exception approved with comp factors noted. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-18): Exception approved with comp factors cited. |  |  | 02/18/2026 | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084818 |  | 3158622619 |  | 35808701 |  | 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. $[Redacted] over legal limit. 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 the new fee, and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2026-02-17): valid COC and timely disclosure information received<br>Buyer Comment (2026-02-17): Do not Concur. Valid CICs for Property type, appraised value, and loan points [Redacted]. LEv4 disclosed timely [Redacted] | 02/17/2026 |  |  | 1 C A |  | CT | 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 |
| 225084818 |  | 3158622619 |  | 35808703 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The CD considered 'final' was issued on [Redacted] but is unsigned. Default receipt date is [Redacted], causing discrepancy with rescission expiration and disbursement dates. |  |  |  | Reviewer Comment (2026-02-17): signed final CD received<br>Buyer Comment (2026-02-17): Please see attached signed CD | 02/17/2026 |  |  | 1 C A |  | CT | 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 |
| 225084818 |  | 3158622619 |  | 35808704 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The CD considered 'final' was issued on [Redacted] but is unsigned. Default receipt date is [Redacted], causing discrepancy with rescission expiration and disbursement dates. |  |  |  | Reviewer Comment (2026-02-17): signed final CD received<br>Buyer Comment (2026-02-17): Please see attached signed CD | 02/17/2026 |  |  | 1 C A |  | CT | 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 |
| 225084818 |  | 3158622619 |  | 35815326 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], 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 (2026-02-18): HOI coverage is sufficient with coverage provided<br>Buyer Comment (2026-02-17): [Redacted] to [Redacted] refi- HOI verbally verified | 02/18/2026 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084819 |  | 3158622621 |  | 35815585 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2026-02-19): final title policy received<br>Buyer Comment (2026-02-19): Final Title Provided | 02/19/2026 |  |  | 1 B A |  | IL | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084819 |  | 3158622621 |  | 35815667 |  | 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. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-19): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-02-18): Do not Concur. Valid CICs appraised value and loan points [Redacted]. LEv5 disclosed timely. Premium pricing turned into positive points. Later in the loan the points turned back into premium pricing which is in favor to the customer | 02/19/2026 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | 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 |
| 225084820 |  | 3158622623 |  | 35813144 |  | 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 the reduced credit, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-19): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2026-02-18): Do not Concur. Valid CICs loan amount, product, and loan points decreased premium pricing to positive points. CDv3 disclosed timely [Redacted] | 02/19/2026 |  |  | 1 C A |  | MI | 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 |
| 225084821 |  | 3158622624 |  | 35814676 |  | 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 changed to $[Redacted] on CD dated [Redacted]. A valid change of circumstance was not provided for change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2026-02-19): [Redacted] received COC dated [Redacted] and as per available COC dated [Redacted] for rate change.<br>Buyer Comment (2026-02-18): Do not Concur. Initial loan lock [Redacted]. LEv5 disclosed next day | 02/19/2026 |  |  | 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 |
| 225084821 |  | 3158622624 |  | 35814689 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The file is missing a copy of final 1003. |  |  |  | Reviewer Comment (2026-02-18): final 1003 doc received<br>Buyer Comment (2026-02-18): Hybrid Closing Final 1003 provided | 02/18/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225084821 |  | 3158622624 |  | 35840703 |  | 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. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The 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 (2026-02-19): [Redacted] received COC dated [Redacted] and as per available COC dated [Redacted] for rate change.<br>Buyer Comment (2026-02-18): Do not Concur. Valid CIC for LnRate [Redacted]. Cdv3 disclosed timely next day | 02/19/2026 |  |  | 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 |
| 225084822 |  | 3158622626 |  | 35816053 |  | 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. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The 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 (2026-02-19): [Redacted] received COC dated [Redacted] for property type change.<br>Buyer Comment (2026-02-18): Do not Concur. Valid CICs property type, appraised value, and loan points [Redacted]. CDv2 disclosed timely next day | 02/19/2026 |  |  | 1 C A |  | AZ | 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 |

---

## Exhibit 99.16

**Exhibit 99.16**

**Valuation Report**

**Run Date - 2/24/2026 10:19:16 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 225084577 |  | 3158622210 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.50 |
| 225084578 |  | 3158622213 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 225084579 |  | 3158622217 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225084580 |  | 3158622218 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| 225084581 |  | 3158622219 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.10 |
| 225084582 |  | 3158622221 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225084583 |  | 3158622222 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084584 |  | 3158622224 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 225084585 |  | 3158622225 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084586 |  | 3158622228 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.80 |
| 225084587 |  | 3158622229 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.90 |
| 225084588 |  | 3158622230 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 225084589 |  | 3158622232 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084590 |  | 3158622233 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 225084591 |  | 3158622234 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 15.790% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 225084592 |  | 3158622235 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084593 |  | 3158622236 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225084594 |  | 3158622237 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225084595 |  | 3158622238 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| 225084596 |  | 3158622239 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.30 |
| 225084597 |  | 3158622240 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.120% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 225084598 |  | 3158622242 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 225084599 |  | 3158622243 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| 225084600 |  | 3158622244 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.10 |
| 225084601 |  | 3158622245 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084602 |  | 3158622248 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 225084603 |  | 3158622249 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084604 |  | 3158622251 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| 225084605 |  | 3158622253 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 225084606 |  | 3158622255 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225084607 |  | 3158622256 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084608 |  | 3158622257 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225084609 |  | 3158622259 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.370% |  |  | Appraisal |  |  |  |  |  | -11.200% |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 225084610 |  | 3158622263 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 |
| 225084611 |  | 3158622266 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225084612 |  | 3158622267 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.540% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| 225084613 |  | 3158622268 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| 225084614 |  | 3158622271 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.40 |
| 225084615 |  | 3158622272 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.540% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| 225084616 |  | 3158622273 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 225084617 |  | 3158622274 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084618 |  | 3158622277 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| 225084619 |  | 3158622279 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 225084620 |  | 3158622280 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.290% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| 225084621 |  | 3158622281 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  | 5.550% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.00 |
| 225084622 |  | 3158622282 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.70 |
| 225084623 |  | 3158622283 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225084624 |  | 3158622285 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
| 225084625 |  | 3158622287 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225084626 |  | 3158622289 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| 225084627 |  | 3158622290 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.360% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.30 |
| 225084628 |  | 3158622291 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 225084629 |  | 3158622292 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084630 |  | 3158622295 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225084631 |  | 3158622296 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.60 |
| 225084632 |  | 3158622297 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.510% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 225084633 |  | 3158622299 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 225084634 |  | 3158622301 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225084635 |  | 3158622304 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225084636 |  | 3158622305 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| 225084637 |  | 3158622306 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| 225084638 |  | 3158622308 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 225084639 |  | 3158622309 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.950% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084640 |  | 3158622310 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084641 |  | 3158622312 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.10 |
| 225084642 |  | 3158622313 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.70 |
| 225084643 |  | 3158622316 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| 225084644 |  | 3158622317 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084645 |  | 3158622318 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 225084646 |  | 3158622320 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 |
| 225084647 |  | 3158622321 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.70 |
| 225084648 |  | 3158622322 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.170% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.30 |
| 225084649 |  | 3158622323 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 225084650 |  | 3158622324 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225084651 |  | 3158622326 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| 225084652 |  | 3158622328 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| 225084653 |  | 3158622334 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084654 |  | 3158622335 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084655 |  | 3158622336 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 225084656 |  | 3158622337 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 225084657 |  | 3158622339 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.10 |
| 225084658 |  | 3158622341 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.80 |
| 225084659 |  | 3158622342 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| 225084660 |  | 3158622343 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084661 |  | 3158622344 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225084662 |  | 3158622345 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 225084663 |  | 3158622346 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.80 |
| 225084664 |  | 3158622347 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084665 |  | 3158622348 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 225084666 |  | 3158622349 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 225084667 |  | 3158622352 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.080% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| 225084668 |  | 3158622356 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| 225084669 |  | 3158622358 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 225084670 |  | 3158622361 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084671 |  | 3158622363 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.30 |
| 225084672 |  | 3158622365 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 225084673 |  | 3158622369 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 225084674 |  | 3158622370 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084675 |  | 3158622372 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 225084676 |  | 3158622373 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| 225084677 |  | 3158622376 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 225084678 |  | 3158622377 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.60 |
| 225084679 |  | 3158622378 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.670% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| 225084680 |  | 3158622379 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 225084681 |  | 3158622381 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.070% |  |  | Appraisal |  |  |  |  |  | -1.860% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 225084682 |  | 3158622382 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 225084683 |  | 3158622383 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084684 |  | 3158622384 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| 225084685 |  | 3158622387 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084686 |  | 3158622388 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 225084687 |  | 3158622389 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225084688 |  | 3158622390 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.40 |
| 225084689 |  | 3158622391 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
| 225084690 |  | 3158622393 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 225084691 |  | 3158622394 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.680% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
| 225084692 |  | 3158622395 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 225084693 |  | 3158622396 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 225084694 |  | 3158622397 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.30 |
| 225084695 |  | 3158622400 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| 225084696 |  | 3158622403 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084697 |  | 3158622405 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084698 |  | 3158622407 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.60 |
| 225084699 |  | 3158622409 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| 225084700 |  | 3158622410 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.630% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.80 |
| 225084701 |  | 3158622413 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 225084702 |  | 3158622414 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| 225084703 |  | 3158622416 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 225084704 |  | 3158622417 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084705 |  | 3158622418 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225084706 |  | 3158622419 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084707 |  | 3158622421 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.820% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.90 |
| 225084708 |  | 3158622422 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225084709 |  | 3158622425 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 225084710 |  | 3158622426 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.060% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 225084711 |  | 3158622428 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| 225084712 |  | 3158622430 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| 225084713 |  | 3158622432 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
| 225084714 |  | 3158622433 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.10 |
| 225084715 |  | 3158622435 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.820% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.820% |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 225084716 |  | 3158622437 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225084717 |  | 3158622441 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 225084718 |  | 3158622444 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.70 |
| 225084719 |  | 3158622445 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084720 |  | 3158622447 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| 225084721 |  | 3158622449 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084722 |  | 3158622450 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225084723 |  | 3158622453 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084724 |  | 3158622455 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084725 |  | 3158622456 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 225084726 |  | 3158622458 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.10 |
| 225084727 |  | 3158622459 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 225084728 |  | 3158622460 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| 225084729 |  | 3158622462 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225084730 |  | 3158622464 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084731 |  | 3158622465 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.860% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| 225084732 |  | 3158622466 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084733 |  | 3158622468 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.870% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.50 |
| 225084734 |  | 3158622469 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 225084735 |  | 3158622470 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.160% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| 225084736 |  | 3158622474 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.90 |
| 225084737 |  | 3158622479 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.40 |
| 225084738 |  | 3158622482 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.380% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| 225084739 |  | 3158622484 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| 225084740 |  | 3158622485 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084741 |  | 3158622486 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084742 |  | 3158622488 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| 225084743 |  | 3158622493 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| 225084744 |  | 3158622494 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225084745 |  | 3158622496 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225084746 |  | 3158622498 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225084747 |  | 3158622499 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084748 |  | 3158622501 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 225084749 |  | 3158622502 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| 225084750 |  | 3158622503 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 225084751 |  | 3158622505 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.450% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 225084752 |  | 3158622506 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 225084753 |  | 3158622507 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| 225084754 |  | 3158622508 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| 225084755 |  | 3158622512 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 225084756 |  | 3158622513 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| 225084757 |  | 3158622515 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| 225084758 |  | 3158622516 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 225084759 |  | 3158622517 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.440% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 |
| 225084760 |  | 3158622518 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 225084761 |  | 3158622523 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.40 |
| 225084762 |  | 3158622525 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| 225084763 |  | 3158622526 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225084764 |  | 3158622527 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 225084765 |  | 3158622528 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 225084766 |  | 3158622529 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225084767 |  | 3158622531 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225084768 |  | 3158622532 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225084769 |  | 3158622536 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| 225084770 |  | 3158622539 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084771 |  | 3158622542 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| 225084772 |  | 3158622543 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.30 |
| 225084773 |  | 3158622544 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.180% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 225084774 |  | 3158622545 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 225084775 |  | 3158622547 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| 225084776 |  | 3158622550 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
| 225084777 |  | 3158622551 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 225084778 |  | 3158622552 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 225084779 |  | 3158622553 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 225084780 |  | 3158622554 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.90 |
| 225084781 |  | 3158622555 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 225084782 |  | 3158622556 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.740% |  |  | Appraisal |  |  |  |  |  | -0.690% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 225084783 |  | 3158622557 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.030% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.50 |
| 225084784 |  | 3158622559 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.10 |
| 225084785 |  | 3158622561 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084786 |  | 3158622562 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.60 |
| 225084787 |  | 3158622565 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| 225084788 |  | 3158622568 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 225084789 |  | 3158622569 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 225084790 |  | 3158622570 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 225084791 |  | 3158622571 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225084792 |  | 3158622572 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| 225084793 |  | 3158622573 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084794 |  | 3158622576 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084795 |  | 3158622577 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.00 |
| 225084796 |  | 3158622578 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 225084797 |  | 3158622579 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 225084798 |  | 3158622581 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084799 |  | 3158622582 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225084800 |  | 3158622583 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225084801 |  | 3158622584 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.910% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 1.910% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 225084802 |  | 3158622589 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 225084803 |  | 3158622590 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.970% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| 225084804 |  | 3158622593 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 225084805 |  | 3158622595 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.50 |
| 225084806 |  | 3158622597 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.780% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 |
| 225084807 |  | 3158622598 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084808 |  | 3158622603 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225084809 |  | 3158622605 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225084810 |  | 3158622606 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225084811 |  | 3158622608 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 225084812 |  | 3158622609 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 |
| 225084813 |  | 3158622611 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 225084814 |  | 3158622613 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 225084815 |  | 3158622614 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225084816 |  | 3158622615 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.90 |
| 225084817 |  | 3158622618 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 225084818 |  | 3158622619 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084819 |  | 3158622621 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -10.550% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.60 |
| 225084820 |  | 3158622623 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 225084821 |  | 3158622624 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 225084822 |  | 3158622626 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
| 225084823 |  | 3158622627 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |

---

## Exhibit 99.17

**Exhibit 99.17**

![](n5713x1ex9917img001.jpg)

**Data Compare Summary (Total)**

**Run Date - 2/24/2026 10:17:51 AM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 1 | 247 | 0.40% | 247 |
| State | 0 | 247 | 0.00% | 247 |
| Zip | 0 | 247 | 0.00% | 247 |
| Note Date | 9 | 247 | 3.64% | 247 |
| Original Loan Amount | 0 | 247 | 0.00% | 247 |
| Amortization Term | 0 | 247 | 0.00% | 247 |
| Original Interest Rate | 1 | 247 | 0.40% | 247 |
| Borrower Qualifying FICO | 0 | 247 | 0.00% | 247 |
| Coborrower Qualifying FICO | 1 | 169 | 0.59% | 247 |
| Amortization Type | 0 | 247 | 0.00% | 247 |
| Representative FICO | 0 | 247 | 0.00% | 247 |
| Property Type | 3 | 247 | 1.21% | 247 |
| Lien Position | 0 | 247 | 0.00% | 247 |
| Occupancy | 0 | 247 | 0.00% | 247 |
| Purpose | 0 | 247 | 0.00% | 247 |
| Appraised Value | 2 | 247 | 0.81% | 247 |
| Contract Sales Price | 3 | 175 | 1.71% | 247 |
| Balloon Flag | 0 | 247 | 0.00% | 247 |
| Original CLTV | 2 | 247 | 0.81% | 247 |
| Original LTV | 2 | 247 | 0.81% | 247 |
| Origination Channel | 0 | 247 | 0.00% | 247 |
| Appraisal Effective Date | 2 | 247 | 0.81% | 247 |
| Investor: Qualifying Total Debt Ratio | 5 | 247 | 2.02% | 247 |
| Initial Rate Lock Date | 35 | 247 | 14.17% | 247 |
| **Total** | **66** | **5778** | **1.14%** | **247** |

---

## Exhibit 99.18

**Exhibit 99.18**

![](n5713x1ex9918img001.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 2/24/2026 10:19:41 AM**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 225084581 |  | 3158622219 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 225084591 |  | 3158622234 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084591 |  | 3158622234 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 225084600 |  | 3158622244 |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
| 225084600 |  | 3158622244 |  |  | Original LTV | [Redacted] | [Redacted] | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |
| 225084600 |  | 3158622244 |  |  | 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) |
| 225084605 |  | 3158622253 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084609 |  | 3158622259 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084617 |  | 3158622274 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084622 |  | 3158622282 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084624 |  | 3158622285 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084628 |  | 3158622291 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084629 |  | 3158622292 |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
| 225084630 |  | 3158622295 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches the 1008 and AUS in file. |
| 225084632 |  | 3158622297 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field value matches 1008 DTI |
| 225084632 |  | 3158622297 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084641 |  | 3158622312 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084643 |  | 3158622316 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084646 |  | 3158622320 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084654 |  | 3158622335 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084655 |  | 3158622336 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084656 |  | 3158622337 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225084660 |  | 3158622343 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084663 |  | 3158622346 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084675 |  | 3158622372 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225084681 |  | 3158622381 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 225084681 |  | 3158622381 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084692 |  | 3158622395 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225084694 |  | 3158622397 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225084694 |  | 3158622397 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084700 |  | 3158622410 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084701 |  | 3158622413 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084706 |  | 3158622419 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084719 |  | 3158622445 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084728 |  | 3158622460 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225084738 |  | 3158622482 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084744 |  | 3158622494 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084745 |  | 3158622496 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Discrepancy due to inability to use rental income due to missing documentation. |
| 225084757 |  | 3158622515 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225084759 |  | 3158622517 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 225084766 |  | 3158622529 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084766 |  | 3158622529 |  |  | Original Interest Rate | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| 225084770 |  | 3158622539 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225084770 |  | 3158622539 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084771 |  | 3158622542 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084776 |  | 3158622550 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225084777 |  | 3158622551 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 225084778 |  | 3158622552 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225084783 |  | 3158622557 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084787 |  | 3158622565 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084788 |  | 3158622568 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225084790 |  | 3158622570 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225084792 |  | 3158622572 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 225084794 |  | 3158622576 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084796 |  | 3158622578 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225084798 |  | 3158622581 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225084800 |  | 3158622583 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 225084804 |  | 3158622593 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225084804 |  | 3158622593 |  |  | Original LTV | [Redacted] | [Redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225084804 |  | 3158622593 |  |  | 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) |
| 225084805 |  | 3158622595 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084809 |  | 3158622605 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084810 |  | 3158622606 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 225084816 |  | 3158622615 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084819 |  | 3158622621 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 225084820 |  | 3158622623 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

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