# EDGAR Filing Document

**Accession Number:** 0001991364
**File Stem:** 0001539497-25-002777
**Filing Date:** 2025-10
**Character Count:** 692340
**Document Hash:** e97403abb90e40fbb3911572074b10a6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-25-002777.hdr.sgml**: 20251027

**ACCESSION NUMBER**: 0001539497-25-002777

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

**PUBLIC DOCUMENT COUNT**: 21

**CONFORMED PERIOD OF REPORT**: 20251027

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

**FILED AS OF DATE**: 20251027

**DATE AS OF CHANGE**: 20251027

**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:** 251420478

**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

---

| |
|:---|
| **Chase Home Lending Mortgage Trust 2025-12** |
| (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): __________

---

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

---

**INFORMATION TO BE INCLUDED IN THE REPORT**

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

N/A

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

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

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

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
| Date: October 27, 2025 |  |  |  |
|  | J.P. MORGAN RESIDENTIAL MORTGAGE <br> ACCEPTANCE CORP. (Depositor) | J.P. MORGAN RESIDENTIAL MORTGAGE <br> ACCEPTANCE CORP. (Depositor) | J.P. MORGAN RESIDENTIAL MORTGAGE <br> ACCEPTANCE CORP. (Depositor) |
|  | By: | /s/ Bithun John | /s/ Bithun John |
|  |  | Name: | Bithun John |
|  |  | Title: | President |

---

**EXHIBIT INDEX**

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

99.2 AMC Pool 1 Rating Agency Grades

99.3 AMC Pool 1 Exception Grades

99.4 AMC Pool 1 Valuation Report

99.5 AMC Pool 1 Data Compare Summary

99.6 AMC Pool 1 Data Compare

99.7 AMC Pool 2 Executive Summary

99.8 AMC Pool 2 Rating Agency Grades

99.9 AMC Pool 2 Exception Grades

99.10 AMC Pool 2 Valuation Report

99.11 AMC Pool 2 Data Compare Summary

99.12 AMC Pool 2 Data Compare

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**

![](n5382_amclogo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, N.A. ("**Client**") from August 2024 to September 2025 via files imaged and provided by JPMorgan Chase Bank, N.A. for review (the "**Review**").

The loans in the Review carried origination dates of May 2024 to June 2025.

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

The Review was conducted on a total population of thirteen (13) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Term |
| &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 |  |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |  |

---

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

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

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, AMC:

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(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 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

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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.

**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.

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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 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);

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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;

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> 

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&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

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;

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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;

&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

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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>*

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

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

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

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

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

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

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

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

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

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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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.).

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

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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.

**(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.

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**(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 ("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 thirteen (13) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, eleven (11) loans had an Overall loan grade of "A", and two (2) loans 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;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;2 | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**2** |
| &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;**2** |

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**COMPLIANCE RESULTS SUMMARY**

Of the thirteen (13) loans reviewed, under the applicable NRSRO grading criteria, eleven (11) loans had a Compliance Review "A" grade, and two (2) loans 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;11 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the thirteen (13) 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;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**CREDIT REVIEW RESULTS SUMMARY**

Of the thirteen (13) loans reviewed, under the applicable NRSRO grading criteria, all 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;13 | &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 thirteen (13) mortgage loans reviewed, seven (7) (53.85%) mortgage loans had tape discrepancies across five (5) unique data fields. The most common tape discrepancies were Property Type (25.00%), and Initial Rate Lock Date (23.08%).

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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** |
| Amortization Term | 0 | 10 | 0.00% | 13 |
| Amortization Type | 0 | 13 | 0.00% | 13 |
| Appraisal Effective Date | 0 | 13 | 0.00% | 13 |
| Appraised Value | 0 | 8 | 0.00% | 13 |
| Balloon Flag | 0 | 13 | 0.00% | 13 |
| Borrower Qualifying FICO | 0 | 13 | 0.00% | 13 |
| City | 0 | 13 | 0.00% | 13 |
| Coborrower Qualifying FICO | 0 | 6 | 0.00% | 13 |
| Contract Sales Price | 1 | 13 | 7.69% | 13 |
| First Payment Date | 0 | 1 | 0.00% | 13 |
| Initial Rate Lock Date | 3 | 13 | 23.08% | 13 |
| Interest Only | 0 | 1 | 0.00% | 13 |

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| | | | | |
|:---|:---|:---|:---|:---|
| Investor: Qualifying Total Debt Ratio | 1 | 13 | 7.69% | 13 |
| Lien Position | 0 | 13 | 0.00% | 13 |
| LTV Valuation Value | 0 | 5 | 0.00% | 13 |
| Note Date | 0 | 13 | 0.00% | 13 |
| Occupancy | 0 | 13 | 0.00% | 13 |
| Original CLTV | 1 | 13 | 7.69% | 13 |
| Original Interest Rate | 0 | 13 | 0.00% | 13 |
| Original Loan Amount | 0 | 13 | 0.00% | 13 |
| Original LTV | 0 | 13 | 0.00% | 13 |
| Original Term | 0 | 4 | 0.00% | 13 |
| Origination Channel | 0 | 13 | 0.00% | 13 |
| Property Type | 2 | 8 | 25.00% | 13 |
| Purpose | 0 | 13 | 0.00% | 13 |
| Representative FICO | 0 | 13 | 0.00% | 13 |
| State | 0 | 13 | 0.00% | 13 |
| Zip | 0 | 13 | 0.00% | 13 |
| **Total** | **8** | **303** | **2.64%** | **13** |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Safe Harbor QM (APOR) | 13 | 100.00% | $17885130.00 | 100.00% |
| **Total** | **13** | **100.00%** | **$17885130.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Fixed | 13 | 100.00% | $17885130.00 | 100.00% |
| **Total** | **13** | **100.00%** | **$17885130.00** | **100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 1 | 13 | 100.00% | $17885130.00 | 100.00% |
| **Total** | **13** | **100.00%** | **$17885130.00** | **100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 1 | 7.69% | $977000.00 | 5.46% |
| First Time Home Purchase | 1 | 7.69% | $1657500.00 | 9.27% |
| Other-than-first-time Home Purchase | 11 | 84.62% | $15250630.00 | 85.27% |
| **Total** | **13** | **100.00%** | **$17885130.00** | **100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 241-360 Months | 13 | 100.00% | $17885130.00 | 100.00% |
| **Total** | **13** | **100.00%** | **$17885130.00** | **100.00%** |

---

13 \| P a g e

![](n5382_amclogo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Single Family Detached | 5 | 38.46% | $8792450.00 | 49.16% |
| Condo, Low Rise | 1 | 7.69% | $1080000.00 | 6.04% |
| Condo, High Rise | 1 | 7.69% | $1657500.00 | 9.27% |
| PUD | 6 | 46.15% | $6355180.00 | 35.53% |
| **Total** | **13** | **100.00%** | **$17885130.00** | **100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Primary | 7 | 53.85% | $8133530.00 | 45.48% |
| Second Home | 6 | 46.15% | $9751600.00 | 54.52% |
| **Total** | **13** | **100.00%** | **$17885130.00** | **100.00%** |

---

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

**EXCEPTION DETAIL**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |

---

14 \| P a g e

## Exhibit 99.2

**Exhibit 99.2**

![](situsamc_logo.jpg)

**Rating Agency Grades**

**Run Date - 10/16/2025 8:10:26 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** |
| 221802625 |  | 3158618965 |  |  | A | A | A | A | A | A | A | A |  |
| 222263533 |  | 3158618966 |  |  | C | A | A | C | A | A | A | A |  |
| 222697297 |  | 3158618968 |  |  | A | A | A | A | A | A | A | A |  |
| 222802107 |  | 3158618969 |  |  | A | A | A | A | A | A | A | A |  |
| 222802124 |  | 3158618970 |  |  | A | A | A | A | A | A | A | A |  |
| 223007410 |  | 3158619208 |  |  | A | C | A | C | A | A | A | A |  |
| 223007442 |  | 3158619213 |  |  | A | A | A | A | A | A | A | A |  |
| 223152981 |  | 3158618973 |  |  | C | C | A | C | A | A | A | A |  |
| 223806596 |  | 3158618977 |  |  | A | C | A | C | A | B | A | B |  |
| 223806642 |  | 3158618980 |  |  | C | C | A | C | A | B | A | B |  |
| 223806713 |  | 3158619219 |  |  | A | A | A | A | A | A | A | A |  |
| 223806832 |  | 3158619272 |  |  | A | A | A | A | A | A | A | A |  |
| 223976983 |  | 3158618996 |  |  | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](situsamc_logo.jpg)

**Exception Grades**

**Run Date - 10/16/2025 8:10:26 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** |
| 222263533 |  | 3158618966 |  | 32025310 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient <br> Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee <br> Tolerance exceeded for Appraisal Fee. Fee Amount of <br> $[Redacted] exceeds tolerance of $[Redacted]. <br> Sufficient or excess cure was provided to the borrower <br> at Closing. |  |  |  |  | Reviewer Comment (2024-10-30): Sufficient Cure <br> Provided At Closing |  | 10/30/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222263533 |  | 3158618966 |  | 32061802 |  | Credit | Loan Package <br> Documentation | Application / Processing | Loan Package <br> Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The most recent dated valuation inspection is dated <br> prior to the most recent FEMA disaster. |  |  |  | Reviewer Comment (2024-11-07): PDI received with inspection date of [Redacted] showing no damage to the subject property. | 11/07/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223007410 |  | 3158619208 |  | 33062806 |  | 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 3 business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2025-03-19): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2025-03-19): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | 03/19/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223007410 |  | 3158619208 |  | 33063949 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2025-03-19): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2025-03-19): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | 03/19/2025 |  |  | 1 B A |  | NY | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223152981 |  | 3158618973 |  | 33154311 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Loan file is missing a VVOE for the borrower dated within ten (10) business days of the Note Date. |  |  |  | Reviewer Comment (2025-04-02): employment verification received<br>Buyer Comment (2025-04-02): Please see paystub ([Redacted]) dated [Redacted] which is within [Redacted] business days prior to the note date (including holiday) and meets alternative VOE document requirements. | 04/02/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223152981 |  | 3158618973 |  | 33155479 |  | 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 for the borrower. |  |  |  | Reviewer Comment (2025-04-02): employment verification received | 04/02/2025 |  |  | 1 B A C |  | AZ | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223152981 |  | 3158618973 |  | 33155480 |  | 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 for the borrower. |  |  |  | Reviewer Comment (2025-04-02): employment verification received | 04/02/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223152981 |  | 3158618973 |  | 33155481 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Loan file is missing a VVOE for the borrower dated within ten (10) business days of the Note Date. |  |  |  | Reviewer Comment (2025-04-02): employment verification received | 04/02/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223152981 |  | 3158618973 |  | 33155571 |  | 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 (2025-04-02): appraisal ack form received<br>Buyer Comment (2025-04-02): Do Not Concur - appraisal acknowledgement in file | 04/02/2025 |  |  | 1 B A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223152981 |  | 3158618973 |  | 33155572 |  | 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 for the borrower. |  |  |  | Reviewer Comment (2025-04-02): employment verification received | 04/02/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223806596 |  | 3158618977 |  | 34098574 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Title - Lender's Title Insurance disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. As fee is paid to a lender affiliate, a [Redacted]% tolerance is applied. |  |  |  | Reviewer Comment (2025-08-27): PCCD, LOX, refund check, and LOX received for the overage fee.<br>Buyer Comment (2025-08-27): Please review uploaded PCCD, LOE, copy of refund check and proof of delivery.<br>Reviewer Comment (2025-08-13): [Redacted] received email conformation with additional information for the Title switched from [Redacted] title to [Redacted] which was the reason for increase the fee. However, we also required documentation of the reason on why the UW switched for the title company and what information was received that required to change the Title and when was that information received. Moreover, [Redacted] Title commitment available in the loan file at the time of initial review and triggering the need to disclose all the applicable fees. As it was not new knowledge for the title company changed on [Redacted] CD. Provide supporting document for the fee increased and to provide information supporting lender's knowledge of when they became aware of the fee or Cure is due to borrower.<br>Buyer Comment (2025-08-11): CD attached<br>Buyer Comment (2025-08-11): Please review attached CIC<br>Buyer Comment (2025-08-11): Please review additional letter of explanation for the Change<br>Reviewer Comment (2025-08-04): [Redacted] received COC dated [Redacted] but the reason provided is not sufficient. As per final CD and final SS the title fees is paid to affiliate company "[Redacted] Title" which is falling under 0% tolerance and a valid COC for increase in fee on CD dated 05/222 is required to re-baseline. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Buyer Comment (2025-07-31): Please review uploaded CIC and Mavent (page 8 of 12) addressing customer/borrower requested change in title providers, choosing affilaite mid-way through process. |  | 08/27/2025 |  | 2 C B |  | VA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223806642 |  | 3158618980 |  | 34069745 |  | 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 - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Title - Settlement / Closing / Escrow 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 (2025-08-26): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-08-26): please review complete refund<br>Reviewer Comment (2025-08-11): [Redacted] Received Cure Docs for $[Redacted]; however, required cure amount is $[Redacted]. Provide Cure Docs for additional Cure of $[Redacted]. Cure Consists of PCCD, LOE, Refund Check and Proof of Mailing.<br>Buyer Comment (2025-08-08): Please review uploaded LOE, PCCD, copy of refund check and proof of mailing.<br>Buyer Comment (2025-08-08): .<br>Reviewer Comment (2025-07-31): [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 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 (2025-07-30): Do Not Concur - borrower was allowed to shop - different provided used, fee should not be held to tolerance |  | 08/26/2025 |  | 2 C B |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223806642 |  | 3158618980 |  | 34069746 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-07-30): e-consent form received<br>Buyer Comment (2025-07-30): DO Not Concur - please review E-Consent | 07/30/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.4

**Exhibit 99.4**

![](situsamc_logo.jpg)

**Valuation Report**

**Run Date - 10/16/2025 8:10:26 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** |
| 221802625 |  | 3158618965 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 222263533 |  | 3158618966 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 222697297 |  | 3158618968 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| 222802107 |  | 3158618969 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.40 |
| 222802124 |  | 3158618970 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.70 |
| 223007410 |  | 3158619208 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.100% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -4.100% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.50 |
| 223007442 |  | 3158619213 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.70 |
| 223152981 |  | 3158618973 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| 223806596 |  | 3158618977 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223806642 |  | 3158618980 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223806713 |  | 3158619219 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 223806832 |  | 3158619272 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| 223976983 |  | 3158618996 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.10 |

---

## Exhibit 99.5

**Exhibit 99.5**

![](situsamc_logo.jpg)

**Data Compare Summary (Total)**

**Run Date - 10/16/2025 7:58:50 AM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 13 | 0.00% | 13 |
| State | 0 | 13 | 0.00% | 13 |
| Zip | 0 | 13 | 0.00% | 13 |
| Note Date | 0 | 13 | 0.00% | 13 |
| Original Loan Amount | 0 | 13 | 0.00% | 13 |
| Amortization Term | 0 | 10 | 0.00% | 13 |
| Original Interest Rate | 0 | 13 | 0.00% | 13 |
| Borrower Qualifying FICO | 0 | 13 | 0.00% | 13 |
| Amortization Type | 0 | 13 | 0.00% | 13 |
| Representative FICO | 0 | 13 | 0.00% | 13 |
| Lien Position | 0 | 13 | 0.00% | 13 |
| Occupancy | 0 | 13 | 0.00% | 13 |
| Purpose | 0 | 13 | 0.00% | 13 |
| Contract Sales Price | 1 | 13 | 7.69% | 13 |
| Balloon Flag | 0 | 13 | 0.00% | 13 |
| Original CLTV | 1 | 13 | 7.69% | 13 |
| Original LTV | 0 | 13 | 0.00% | 13 |
| Origination Channel | 0 | 13 | 0.00% | 13 |
| Appraisal Effective Date | 0 | 13 | 0.00% | 13 |
| LTV Valuation Value | 0 | 5 | 0.00% | 13 |
| Investor: Qualifying Total Debt Ratio | 1 | 13 | 7.69% | 13 |
| Initial Rate Lock Date | 3 | 13 | 23.08% | 13 |
| First Payment Date | 0 | 1 | 0.00% | 13 |
| Original Term | 0 | 4 | 0.00% | 13 |
| Coborrower Qualifying FICO | 0 | 6 | 0.00% | 13 |
| Appraised Value | 0 | 8 | 0.00% | 13 |
| Property Type | 2 | 8 | 25.00% | 13 |
| Interest Only | 0 | 1 | 0.00% | 13 |
| **Total** | **8** | **303** | **2.64%** | **13** |

---

## Exhibit 99.6

**Exhibit 99.6**

![](situsamc_logo.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 10/16/2025 7:59:38 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** |
| 221802625 |  | 3158618965 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher <br> qualifying income than verified by audit |
| 223007410 |  | 3158619208 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223007442 |  | 3158619213 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223152981 |  | 3158618973 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 223806713 |  | 3158619219 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223806713 |  | 3158619219 |  |  | 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) |
| 223806832 |  | 3158619272 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223976983 |  | 3158618996 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

---

## Exhibit 99.7

**Exhibit 99.7**

![](n5382_amclogo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

The loan in the Review carried origination date of July 2025.

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

The Review was conducted on a total population of one (1) loan. 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;Interest Only | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Appraisal Effective Date | &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 |  |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;Original Loan Amount |  |

---

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

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

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

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

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

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

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

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

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

**DU/LP/Turbo Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There was one (1) mortgage loan in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, the loan 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** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **0** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **0** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **0** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **0** |

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**COMPLIANCE RESULTS SUMMARY**

Of the one (1) loan reviewed, under the applicable NRSRO grading criteria, the one (1) loan 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;1 | &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% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the one (1) loan reviewed, under the applicable NRSRO grading criteria, the one (1) loan 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;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**CREDIT REVIEW RESULTS SUMMARY**

Of the one (1) loan reviewed, under the applicable NRSRO grading criteria, the one (1) loan 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;1 | &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 one (1) mortgage loan reviewed, one (1) (100.00%) mortgage loans had tape discrepancies across one (1) unique data field. The tape discrepancy was Initial Rate Lock Date (100.00%).

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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** |
| Amortization Term | 0 | 1 | 0.00% | 1 |
| Amortization Type | 0 | 1 | 0.00% | 1 |
| Appraisal Effective Date | 0 | 1 | 0.00% | 1 |
| Balloon Flag | 0 | 1 | 0.00% | 1 |
| Borrower Qualifying FICO | 0 | 1 | 0.00% | 1 |
| City | 0 | 1 | 0.00% | 1 |
| Coborrower Qualifying FICO | 0 | 1 | 0.00% | 1 |
| Contract Sales Price | 0 | 1 | 0.00% | 1 |
| Initial Rate Lock Date | 1 | 1 | 100.00% | 1 |
| Interest Only | 0 | 1 | 0.00% | 1 |
| Investor: Qualifying Total Debt Ratio | 0 | 1 | 0.00% | 1 |
| Lien Position | 0 | 1 | 0.00% | 1 |
| LTV Valuation Value | 0 | 1 | 0.00% | 1 |
| Note Date | 0 | 1 | 0.00% | 1 |
| Occupancy | 0 | 1 | 0.00% | 1 |
| Original CLTV | 0 | 1 | 0.00% | 1 |
| Original Interest Rate | 0 | 1 | 0.00% | 1 |
| Original Loan Amount | 0 | 1 | 0.00% | 1 |
| Original LTV | 0 | 1 | 0.00% | 1 |
| Origination Channel | 0 | 1 | 0.00% | 1 |

---

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![](n5382_amclogo.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| Property Type | 0 | 1 | 0.00% | 1 |
| Purpose | 0 | 1 | 0.00% | 1 |
| Representative FICO | 0 | 1 | 0.00% | 1 |
| State | 0 | 1 | 0.00% | 1 |
| Zip | 0 | 1 | 0.00% | 1 |
| **Total** | **1** | **25** | **4.00%** | **1** |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Safe Harbor QM (APOR) | 1 | 100.00% | $1020000.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1020000.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Fixed | 1 | 100.00% | $1020000.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1020000.00** | **100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 1 | 1 | 100.00% | $1020000.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1020000.00** | **100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Other-than-first-time Home Purchase | 1 | 100.00% | $1020000.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1020000.00** | **100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| 241-360 Months | 1 | 100.00% | $1020000.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1020000.00** | **100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| PUD | 1 | 100.00% | $1020000.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1020000.00** | **100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| Primary | 1 | 100.00% | $1020000.00 | 100.00% |
| **Total** | **1** | **100.00%** | **$1020000.00** | **100.00%** |

---

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

**EXCEPTION DETAIL**

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

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---

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

---

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## Exhibit 99.8

**Exhibit 99.8**

![](situsamc_logo.jpg)

**Rating Agency Grades**

**Run Date - 10/21/2025 12:14:41 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 224168682 |  | 3158619057 |  |  | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.9

**Exhibit 99.9**

No Data Available

## Exhibit 99.10

**Exhibit 99.10**

![](situsamc_logo.jpg)

**Valuation Report**

**Run Date - 10/21/2025 12:14:41 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 224168682 |  | 3158619057 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |

---

## Exhibit 99.11

**Exhibit 99.11**

![](situsamc_logo.jpg)

**Data Compare Summary (Total)**

**Run Date - 10/21/2025 12:14:13 PM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 1 | 0.00% | 1 |
| State | 0 | 1 | 0.00% | 1 |
| Zip | 0 | 1 | 0.00% | 1 |
| Note Date | 0 | 1 | 0.00% | 1 |
| Original Loan Amount | 0 | 1 | 0.00% | 1 |
| Amortization Term | 0 | 1 | 0.00% | 1 |
| Original Interest Rate | 0 | 1 | 0.00% | 1 |
| Borrower Qualifying FICO | 0 | 1 | 0.00% | 1 |
| Coborrower Qualifying FICO | 0 | 1 | 0.00% | 1 |
| Amortization Type | 0 | 1 | 0.00% | 1 |
| Representative FICO | 0 | 1 | 0.00% | 1 |
| Property Type | 0 | 1 | 0.00% | 1 |
| Interest Only | 0 | 1 | 0.00% | 1 |
| Lien Position | 0 | 1 | 0.00% | 1 |
| Occupancy | 0 | 1 | 0.00% | 1 |
| Purpose | 0 | 1 | 0.00% | 1 |
| Contract Sales Price | 0 | 1 | 0.00% | 1 |
| Balloon Flag | 0 | 1 | 0.00% | 1 |
| Original CLTV | 0 | 1 | 0.00% | 1 |
| Original LTV | 0 | 1 | 0.00% | 1 |
| Origination Channel | 0 | 1 | 0.00% | 1 |
| Appraisal Effective Date | 0 | 1 | 0.00% | 1 |
| LTV Valuation Value | 0 | 1 | 0.00% | 1 |
| Investor: Qualifying Total Debt Ratio | 0 | 1 | 0.00% | 1 |
| Initial Rate Lock Date | 1 | 1 | 100.00% | 1 |
| **Total** | **1** | **25** | **4.00%** | **1** |

---

## Exhibit 99.12

**Exhibit 99.12**

![](situsamc_logo.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 10/21/2025 12:16:39 PM**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 224168682 |  | 3158619057 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

---

## Exhibit 99.13

**Exhibit 99.13**

![](n5382_amclogo.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

The loans in the Review carried origination dates between November 2024 and August 2025.

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

The Review was conducted on a total population of two hundred eighty-six (286) loans. Two hundred eighty-six (286) loans were randomly selected by AMC from a population of five hundred thirty-seven (537) 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;Interest Only | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Appraisal Effective Date | &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 |  |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;Original Loan Amount |  |

---

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

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

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

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

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

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

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

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

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

**DU/LP/Turbo Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

 

 

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

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

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

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

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were two hundred eighty-six (286) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, twenty-one (21) (7.34%) loans had an Overall loan grade of "B", and eight (8) (2.80%) loans had an Overall loan grade of "C".

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***11*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***12*** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**23** |
| &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;***1*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***18*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**19** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**43** |

---

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***10*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**23** |
| &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;***1*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***18*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**19** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;Valuation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**43** |

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**COMPLIANCE RESULTS SUMMARY**

Of the two hundred eighty-six (286) loans reviewed, under the applicable NRSRO grading criteria, eleven (11) loans (3.85%) had a Compliance Review "B" grade, and seven (7) loans (2.45%) had a Compliance Review "C" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;268 | &nbsp;&nbsp;93.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.45% |

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

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the two hundred eighty-six (286) loans reviewed, under the applicable NRSRO grading criteria, two hundred eighty-five (285) loans had a Property Review "A" grade, and one (1) loan had a Property Review "C" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;285 | &nbsp;&nbsp;99.65% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**CREDIT REVIEW RESULTS SUMMARY**

Of the two hundred eighty-six (286) loans reviewed, under the applicable NRSRO grading criteria, two hundred sixty-seven (267) mortgage loans (93.36%) of the total received an "A" Credit Review grade. Eighteen (18) mortgage loans (6.29%) 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 (0.35%) of the total received a "C" Credit Review grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;267 | &nbsp;&nbsp;93.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;6.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred eighty-six (286) mortgage loans reviewed, seventy-nine (79) (27.62%) mortgage loans had tape discrepancies across thirteen (13) unique data fields. The most common tape discrepancies were Initial Rate Lock Date (18.53%), Contract Sales Price (3.15%) and Investor: Qualifying Total Debt Ratio (2.45%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;286 | &nbsp;&nbsp;1.05% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;286 | &nbsp;&nbsp;1.05% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;4 | &nbsp;&nbsp;286 | &nbsp;&nbsp;1.40% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;190 | &nbsp;&nbsp;0.53% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;9 | &nbsp;&nbsp;286 | &nbsp;&nbsp;3.15% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;53 | &nbsp;&nbsp;286 | &nbsp;&nbsp;18.53% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;286 | &nbsp;&nbsp;2.45% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;286 | &nbsp;&nbsp;1.05% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;286 | &nbsp;&nbsp;1.05% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;286 | &nbsp;&nbsp;1.05% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.35% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;286 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;286 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**92** | &nbsp;&nbsp;**7054** | &nbsp;&nbsp;**1.30%** | &nbsp;&nbsp;**286** |

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**ADDITIONAL LOAN POPULATION SUMMARY\***

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Originator Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;286 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$359974174.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**286** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$359974174.00** | &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;286 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$359974174.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**286** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$359974174.00** | &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;286 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$359974174.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**286** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$359974174.00** | &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;15 | &nbsp;&nbsp;5.24% | &nbsp;&nbsp;$19213450.00 | &nbsp;&nbsp;5.34% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;57 | &nbsp;&nbsp;19.93% | &nbsp;&nbsp;$65004927.00 | &nbsp;&nbsp;18.06% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;179 | &nbsp;&nbsp;62.59% | &nbsp;&nbsp;$233334384.00 | &nbsp;&nbsp;64.82% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;35 | &nbsp;&nbsp;12.24% | &nbsp;&nbsp;$42421413.00 | &nbsp;&nbsp;11.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**286** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$359974174.00** | &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;181-240 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.05% | &nbsp;&nbsp;$3749000.00 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;283 | &nbsp;&nbsp;98.95% | &nbsp;&nbsp;$356225174.00 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**286** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$359974174.00** | &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;156 | &nbsp;&nbsp;54.55% | &nbsp;&nbsp;$202123701.00 | &nbsp;&nbsp;56.15% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.45% | &nbsp;&nbsp;$6028125.00 | &nbsp;&nbsp;1.67% |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;14 | &nbsp;&nbsp;4.90% | &nbsp;&nbsp;$15116700.00 | &nbsp;&nbsp;4.20% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.75% | &nbsp;&nbsp;$2956023.00 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;100 | &nbsp;&nbsp;34.97% | &nbsp;&nbsp;$127931781.00 | &nbsp;&nbsp;35.54% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.40% | &nbsp;&nbsp;$5817844.00 | &nbsp;&nbsp;1.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**286** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$359974174.00** | &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;269 | &nbsp;&nbsp;94.06% | &nbsp;&nbsp;$334139974.00 | &nbsp;&nbsp;92.82% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.94% | &nbsp;&nbsp;$25834200.00 | &nbsp;&nbsp;7.18% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**286** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$359974174.00** | &nbsp;&nbsp;**100.00%** |

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\*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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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, and Moody's Exceptions** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow - Reason | &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 Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Interim Closing Disclosure Timing Test | &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 Guidelines Violation | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &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;5 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &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;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;1 |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;7 |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;Credit&nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | &nbsp;&nbsp;Property &nbsp;&nbsp;C | &nbsp;&nbsp;1 |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Kroll, and S&P Exceptions** | &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow - Reason | &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 Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Interim Closing Disclosure Timing Test | &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;Check Loan Designation Match - QM | &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;5 |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;2 |
| &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;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;1 |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;Compliance &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;C | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | &nbsp;&nbsp;Property &nbsp;&nbsp;C | &nbsp;&nbsp;1 |

---

16 \| P a g e

## Exhibit 99.14

**Exhibit 99.14**

![](situsamc_logo.jpg)

**Rating Agency Grades**

**Run Date - 10/21/2025 12:28:36 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 224168563 |  | 3158619425 |  |  | A | A | A | A | A | A | A | A |  |
| 224168564 |  | 3158619472 |  |  | A | B | A | B | A | A | A | A |  |
| 224168565 |  | 3158619317 |  |  | B | A | A | B | A | A | A | A |  |
| 224168566 |  | 3158619464 |  |  | A | A | A | A | A | A | A | A |  |
| 224168567 |  | 3158619061 |  |  | A | A | A | A | A | A | A | A |  |
| 224168568 |  | 3158619303 |  |  | A | A | D | D | A | A | A | A |  |
| 224168569 |  | 3158619358 |  |  | A | C | A | C | A | A | A | A |  |
| 224168570 |  | 3158619474 |  |  | A | A | A | A | A | A | A | A |  |
| 224168571 |  | 3158619169 |  |  | C | A | A | C | A | A | A | A |  |
| 224168572 |  | 3158619273 |  |  | A | C | A | C | A | A | A | A |  |
| 224168573 |  | 3158619140 |  |  | A | B | A | B | A | A | A | A |  |
| 224168574 |  | 3158619023 |  |  | A | A | A | A | A | A | A | A |  |
| 224168575 |  | 3158619512 |  |  | B | A | A | B | A | A | A | A |  |
| 224168576 |  | 3158619206 |  |  | C | A | A | C | A | A | A | A |  |
| 224168577 |  | 3158619069 |  |  | A | A | A | A | A | A | A | A |  |
| 224168578 |  | 3158619312 |  |  | A | C | A | C | A | B | A | B |  |
| 224168579 |  | 3158619060 |  |  | A | A | A | A | A | A | A | A |  |
| 224168580 |  | 3158619356 |  |  | C | A | A | C | A | A | A | A |  |
| 224168581 |  | 3158619192 |  |  | A | A | A | A | A | A | A | A |  |
| 224168582 |  | 3158619193 |  |  | A | A | A | A | A | A | A | A |  |
| 224168583 |  | 3158619017 |  |  | B | B | A | B | A | B | A | B |  |
| 224168584 |  | 3158619483 |  |  | A | A | A | A | A | A | A | A |  |
| 224168585 |  | 3158619316 |  |  | A | A | A | A | A | A | A | A |  |
| 224168586 |  | 3158619253 |  |  | A | A | D | D | A | A | A | A |  |
| 224168587 |  | 3158619081 |  |  | A | A | A | A | A | A | A | A |  |
| 224168588 |  | 3158619154 |  |  | A | C | A | C | A | A | A | A |  |
| 224168589 |  | 3158619389 |  |  | C | A | A | C | A | A | A | A |  |
| 224168590 |  | 3158619294 |  |  | A | A | A | A | A | A | A | A |  |
| 224168591 |  | 3158619395 |  |  | B | A | A | B | B | A | A | B |  |
| 224168592 |  | 3158619164 |  |  | A | A | A | A | A | A | A | A |  |
| 224168593 |  | 3158619449 |  |  | C | C | A | C | A | A | A | A |  |
| 224168594 |  | 3158619181 |  |  | A | A | A | A | A | A | A | A |  |
| 224168595 |  | 3158619147 |  |  | A | A | A | A | A | A | A | A |  |
| 224168596 |  | 3158619103 |  |  | A | A | A | A | A | A | A | A |  |
| 224168597 |  | 3158619301 |  |  | A | A | A | A | A | A | A | A |  |
| 224168598 |  | 3158619506 |  |  | A | B | A | B | A | A | A | A |  |
| 224168599 |  | 3158618998 |  |  | A | A | A | A | A | A | A | A |  |
| 224168600 |  | 3158619369 |  |  | B | A | A | B | B | A | A | B |  |
| 224168601 |  | 3158618995 |  |  | A | A | A | A | A | A | A | A |  |
| 224168602 |  | 3158619129 |  |  | A | A | A | A | A | A | A | A |  |
| 224168603 |  | 3158619155 |  |  | C | B | A | C | A | A | A | A |  |
| 224168604 |  | 3158619372 |  |  | C | A | A | C | A | A | A | A |  |
| 224168605 |  | 3158619354 |  |  | C | C | A | C | A | A | A | A |  |
| 224168606 |  | 3158619204 |  |  | A | A | A | A | A | A | A | A |  |
| 224168607 |  | 3158619053 |  |  | A | B | A | B | A | A | A | A |  |
| 224168608 |  | 3158619292 |  |  | A | C | A | C | A | A | A | A |  |
| 224168609 |  | 3158619180 |  |  | A | A | A | A | A | A | A | A |  |
| 224168610 |  | 3158619211 |  |  | A | A | A | A | A | A | A | A |  |
| 224168611 |  | 3158619450 |  |  | A | A | A | A | A | A | A | A |  |
| 224168612 |  | 3158619171 |  |  | A | B | A | B | A | A | A | A |  |
| 224168613 |  | 3158619241 |  |  | D | D | A | D | A | A | A | A |  |
| 224168614 |  | 3158619225 |  |  | A | A | A | A | A | A | A | A |  |
| 224168615 |  | 3158619444 |  |  | C | A | A | C | A | A | A | A |  |
| 224168616 |  | 3158619067 |  |  | A | B | A | B | A | A | A | A |  |
| 224168617 |  | 3158619263 |  |  | A | C | D | D | A | A | A | A |  |
| 224168618 |  | 3158619087 |  |  | A | C | A | C | A | A | A | A |  |
| 224168619 |  | 3158619448 |  |  | A | A | A | A | A | A | A | A |  |
| 224168620 |  | 3158619264 |  |  | A | B | A | B | A | A | A | A |  |
| 224168621 |  | 3158618999 |  |  | A | A | A | A | A | A | A | A |  |
| 224168622 |  | 3158619109 |  |  | A | A | A | A | A | A | A | A |  |
| 224168623 |  | 3158619340 |  |  | B | B | A | B | B | B | A | B |  |
| 224168624 |  | 3158619307 |  |  | A | A | A | A | A | A | A | A |  |
| 224168625 |  | 3158619328 |  |  | A | A | A | A | A | A | A | A |  |
| 224168626 |  | 3158619265 |  |  | A | A | A | A | A | A | A | A |  |
| 224168627 |  | 3158619440 |  |  | C | A | A | C | A | A | A | A |  |
| 224168628 |  | 3158619113 |  |  | A | A | A | A | A | A | A | A |  |
| 224168629 |  | 3158619331 |  |  | A | A | A | A | A | A | A | A |  |
| 224168630 |  | 3158619370 |  |  | A | A | A | A | A | A | A | A |  |
| 224168631 |  | 3158619309 |  |  | B | A | A | B | A | A | A | A |  |
| 224168632 |  | 3158619240 |  |  | B | C | A | C | B | A | A | B |  |
| 224168633 |  | 3158619121 |  |  | A | C | A | C | A | C | A | C |  |
| 224168634 |  | 3158619226 |  |  | A | A | A | A | A | A | A | A |  |
| 224168635 |  | 3158619058 |  |  | A | A | A | A | A | A | A | A |  |
| 224168636 |  | 3158619468 |  |  | A | A | A | A | A | A | A | A |  |
| 224168637 |  | 3158619203 |  |  | A | C | A | C | A | C | A | C |  |
| 224168638 |  | 3158619435 |  |  | A | A | A | A | A | A | A | A |  |
| 224168639 |  | 3158619462 |  |  | A | A | A | A | A | A | A | A |  |
| 224168640 |  | 3158619056 |  |  | A | A | A | A | A | A | A | A |  |
| 224168641 |  | 3158619223 |  |  | C | C | A | C | A | A | A | A |  |
| 224168642 |  | 3158619077 |  |  | A | B | A | B | A | A | A | A |  |
| 224168643 |  | 3158619380 |  |  | A | A | A | A | A | A | A | A |  |
| 224168644 |  | 3158619022 |  |  | A | A | A | A | A | A | A | A |  |
| 224168645 |  | 3158619460 |  |  | A | A | A | A | A | A | A | A |  |
| 224168646 |  | 3158619320 |  |  | A | A | A | A | A | A | A | A |  |
| 224168647 |  | 3158619411 |  |  | C | A | A | C | A | A | A | A |  |
| 224168648 |  | 3158619469 |  |  | C | A | A | C | A | A | A | A |  |
| 224168649 |  | 3158619167 |  |  | C | C | A | C | A | A | A | A |  |
| 224168650 |  | 3158619178 |  |  | A | B | A | B | A | A | A | A |  |
| 224168651 |  | 3158619258 |  |  | A | A | A | A | A | A | A | A |  |
| 224168652 |  | 3158619415 |  |  | A | C | C | C | A | A | A | A |  |
| 224168653 |  | 3158619009 |  |  | A | A | A | A | A | A | A | A |  |
| 224168654 |  | 3158619166 |  |  | A | A | A | A | A | A | A | A |  |
| 224168655 |  | 3158619271 |  |  | A | A | A | A | A | A | A | A |  |
| 224168656 |  | 3158619434 |  |  | A | A | A | A | A | A | A | A |  |
| 224168657 |  | 3158619371 |  |  | A | A | A | A | A | A | A | A |  |
| 224168658 |  | 3158619288 |  |  | A | C | A | C | A | A | A | A |  |
| 224168659 |  | 3158619463 |  |  | C | C | A | C | A | A | A | A |  |
| 224168660 |  | 3158619396 |  |  | B | B | A | B | B | B | A | B |  |
| 224168661 |  | 3158619296 |  |  | A | A | A | A | A | A | A | A |  |
| 224168662 |  | 3158619350 |  |  | B | B | A | B | B | B | A | B |  |
| 224168663 |  | 3158619041 |  |  | A | A | A | A | A | A | A | A |  |
| 224168664 |  | 3158619341 |  |  | A | C | A | C | A | A | A | A |  |
| 224168665 |  | 3158619360 |  |  | A | A | A | A | A | A | A | A |  |
| 224168666 |  | 3158619135 |  |  | A | A | A | A | A | A | A | A |  |
| 224168667 |  | 3158619237 |  |  | A | A | A | A | A | A | A | A |  |
| 224168668 |  | 3158619157 |  |  | A | A | A | A | A | A | A | A |  |
| 224168669 |  | 3158619421 |  |  | A | C | A | C | A | A | A | A |  |
| 224168670 |  | 3158619376 |  |  | B | C | A | C | B | B | A | B |  |
| 224168671 |  | 3158619156 |  |  | A | A | A | A | A | A | A | A |  |
| 224168672 |  | 3158619063 |  |  | A | A | A | A | A | A | A | A |  |
| 224168673 |  | 3158619497 |  |  | A | A | A | A | A | A | A | A |  |
| 224168674 |  | 3158619142 |  |  | B | C | A | C | B | C | A | C |  |
| 224168675 |  | 3158619163 |  |  | A | B | D | D | A | A | A | A |  |
| 224168676 |  | 3158619130 |  |  | A | A | A | A | A | A | A | A |  |
| 224168677 |  | 3158619005 |  |  | A | A | A | A | A | A | A | A |  |
| 224168678 |  | 3158619429 |  |  | A | C | A | C | A | A | A | A |  |
| 224168679 |  | 3158619408 |  |  | A | A | A | A | A | A | A | A |  |
| 224168680 |  | 3158619407 |  |  | A | C | D | D | A | A | A | A |  |
| 224168681 |  | 3158619075 |  |  | A | B | A | B | A | A | A | A |  |
| 224168683 |  | 3158619118 |  |  | A | A | A | A | A | A | A | A |  |
| 224168684 |  | 3158619503 |  |  | A | A | A | A | A | A | A | A |  |
| 224168685 |  | 3158619476 |  |  | A | C | A | C | A | A | A | A |  |
| 224168686 |  | 3158619112 |  |  | A | A | A | A | A | A | A | A |  |
| 224168687 |  | 3158619391 |  |  | A | A | A | A | A | A | A | A |  |
| 224168688 |  | 3158619043 |  |  | A | A | A | A | A | A | A | A |  |
| 224168689 |  | 3158619274 |  |  | A | A | D | D | A | A | A | A |  |
| 224168690 |  | 3158619201 |  |  | A | A | A | A | A | A | A | A |  |
| 224168691 |  | 3158619289 |  |  | A | A | A | A | A | A | A | A |  |
| 224168692 |  | 3158619392 |  |  | A | A | A | A | A | A | A | A |  |
| 224168693 |  | 3158619080 |  |  | C | B | A | C | A | A | A | A |  |
| 224168694 |  | 3158619229 |  |  | A | C | A | C | A | A | A | A |  |
| 224168695 |  | 3158619217 |  |  | D | D | A | D | B | A | A | B |  |
| 224168696 |  | 3158619353 |  |  | A | C | A | C | A | A | A | A |  |
| 224168697 |  | 3158619182 |  |  | A | A | A | A | A | A | A | A |  |
| 224168698 |  | 3158619485 |  |  | A | B | A | B | A | A | A | A |  |
| 224168699 |  | 3158619144 |  |  | C | C | A | C | A | A | A | A |  |
| 224168700 |  | 3158619173 |  |  | B | A | A | B | A | A | A | A |  |
| 224168701 |  | 3158619412 |  |  | A | C | A | C | A | A | A | A |  |
| 224168702 |  | 3158619259 |  |  | A | C | A | C | A | A | A | A |  |
| 224168703 |  | 3158619405 |  |  | C | A | A | C | A | A | A | A |  |
| 224168704 |  | 3158619245 |  |  | C | C | A | C | A | A | A | A |  |
| 224168705 |  | 3158619065 |  |  | A | A | A | A | A | A | A | A |  |
| 224168706 |  | 3158619322 |  |  | A | A | A | A | A | A | A | A |  |
| 224168707 |  | 3158619416 |  |  | A | C | C | C | A | A | A | A |  |
| 224168708 |  | 3158619514 |  |  | A | A | A | A | A | A | A | A |  |
| 224168709 |  | 3158619028 |  |  | A | A | A | A | A | A | A | A |  |
| 224168710 |  | 3158619025 |  |  | A | C | A | C | A | A | A | A |  |
| 224168711 |  | 3158619267 |  |  | A | A | A | A | A | A | A | A |  |
| 224168712 |  | 3158619346 |  |  | A | A | A | A | A | A | A | A |  |
| 224168713 |  | 3158619502 |  |  | A | A | A | A | A | A | A | A |  |
| 224168714 |  | 3158619034 |  |  | A | A | A | A | A | A | A | A |  |
| 224168715 |  | 3158619071 |  |  | A | A | A | A | A | A | A | A |  |
| 224168716 |  | 3158619100 |  |  | A | A | A | A | A | A | A | A |  |
| 224168717 |  | 3158619031 |  |  | A | C | A | C | A | B | A | B |  |
| 224168718 |  | 3158619196 |  |  | C | C | A | C | A | A | A | A |  |
| 224168719 |  | 3158619409 |  |  | A | C | A | C | A | A | A | A |  |
| 224168720 |  | 3158619161 |  |  | C | C | A | C | A | C | A | C |  |
| 224168721 |  | 3158619270 |  |  | A | A | A | A | A | A | A | A |  |
| 224168722 |  | 3158619202 |  |  | A | C | A | C | A | A | A | A |  |
| 224168723 |  | 3158619086 |  |  | A | B | A | B | A | A | A | A |  |
| 224168724 |  | 3158619442 |  |  | A | A | A | A | A | A | A | A |  |
| 224168725 |  | 3158619246 |  |  | A | A | A | A | A | A | A | A |  |
| 224168726 |  | 3158619138 |  |  | A | B | A | B | A | A | A | A |  |
| 224168727 |  | 3158619326 |  |  | A | A | A | A | A | A | A | A |  |
| 224168728 |  | 3158619106 |  |  | A | A | D | D | A | A | A | A |  |
| 224168729 |  | 3158619191 |  |  | A | A | A | A | A | A | A | A |  |
| 224168730 |  | 3158619199 |  |  | A | A | A | A | A | A | A | A |  |
| 224168731 |  | 3158619352 |  |  | A | A | A | A | A | A | A | A |  |
| 224168732 |  | 3158619366 |  |  | A | A | A | A | A | A | A | A |  |
| 224168733 |  | 3158619037 |  |  | A | A | A | A | A | A | A | A |  |
| 224168734 |  | 3158619427 |  |  | A | A | A | A | A | A | A | A |  |
| 224168735 |  | 3158618997 |  |  | A | A | A | A | A | A | A | A |  |
| 224168736 |  | 3158619010 |  |  | A | A | A | A | A | A | A | A |  |
| 224168737 |  | 3158619286 |  |  | C | C | A | C | A | A | A | A |  |
| 224168738 |  | 3158619139 |  |  | A | A | A | A | A | A | A | A |  |
| 224168739 |  | 3158619424 |  |  | A | C | A | C | A | A | A | A |  |
| 224168740 |  | 3158619227 |  |  | A | C | A | C | A | A | A | A |  |
| 224168741 |  | 3158619079 |  |  | A | A | A | A | A | A | A | A |  |
| 224168742 |  | 3158619348 |  |  | A | A | A | A | A | A | A | A |  |
| 224168743 |  | 3158619146 |  |  | A | A | A | A | A | A | A | A |  |
| 224168744 |  | 3158618991 |  |  | A | A | A | A | A | A | A | A |  |
| 224168745 |  | 3158619131 |  |  | A | A | A | A | A | A | A | A |  |
| 224168746 |  | 3158619516 |  |  | A | A | A | A | A | A | A | A |  |
| 224168747 |  | 3158619073 |  |  | A | D | A | D | A | A | A | A |  |
| 224168748 |  | 3158618974 |  |  | A | A | A | A | A | A | A | A |  |
| 224168749 |  | 3158619093 |  |  | A | B | A | B | A | A | A | A |  |
| 224168750 |  | 3158618986 |  |  | C | B | A | C | A | A | A | A |  |
| 224168751 |  | 3158619105 |  |  | A | A | A | A | A | A | A | A |  |
| 224168752 |  | 3158619183 |  |  | A | A | A | A | A | A | A | A |  |
| 224168753 |  | 3158619134 |  |  | A | A | A | A | A | A | A | A |  |
| 224168754 |  | 3158619475 |  |  | C | A | A | C | A | A | A | A |  |
| 224168755 |  | 3158619510 |  |  | A | B | A | B | A | A | A | A |  |
| 224168756 |  | 3158619285 |  |  | A | D | A | D | A | A | A | A |  |
| 224168757 |  | 3158619021 |  |  | A | C | C | C | A | A | C | C |  |
| 224168758 |  | 3158619066 |  |  | A | A | A | A | A | A | A | A |  |
| 224168759 |  | 3158619422 |  |  | B | B C | A | B C | B | B | A | B |  |
| 224168760 |  | 3158619257 |  |  | B | A | A | B | B | A | A | B |  |
| 224168761 |  | 3158619378 |  |  | A | C | A | C | A | A | A | A |  |
| 224168762 |  | 3158619290 |  |  | A | A | A | A | A | A | A | A |  |
| 224168763 |  | 3158619125 |  |  | A | A | A | A | A | A | A | A |  |
| 224168764 |  | 3158619108 |  |  | A | A | A | A | A | A | A | A |  |
| 224168765 |  | 3158619459 |  |  | A | C | A | C | A | B | A | B |  |
| 224168766 |  | 3158619197 |  |  | A | B | A | B | A | A | A | A |  |
| 224168767 |  | 3158619515 |  |  | C | A | A | C | A | A | A | A |  |
| 224168768 |  | 3158619236 |  |  | B | C | A | C | B | A | A | B |  |
| 224168769 |  | 3158619404 |  |  | A | C | A | C | A | A | A | A |  |
| 224168770 |  | 3158619047 |  |  | A | C | A | C | A | A | A | A |  |
| 224168771 |  | 3158619239 |  |  | B | C | A | C | B | A | A | B |  |
| 224168772 |  | 3158619401 |  |  | A | A | A | A | A | A | A | A |  |
| 224168773 |  | 3158619006 |  |  | A | A | A | A | A | A | A | A |  |
| 224168774 |  | 3158619026 |  |  | B | A | A | B | B | A | A | B |  |
| 224168775 |  | 3158619321 |  |  | A | A | A | A | A | A | A | A |  |
| 224168776 |  | 3158619319 |  |  | A | C | A | C | A | A | A | A |  |
| 224168777 |  | 3158619050 |  |  | A | B | A | B | A | A | A | A |  |
| 224168778 |  | 3158619137 |  |  | A | B | A | B | A | A | A | A |  |
| 224168779 |  | 3158619454 |  |  | C | A | A | C | A | A | A | A |  |
| 224168780 |  | 3158619479 |  |  | A | A | A | A | A | A | A | A |  |
| 224168781 |  | 3158619499 |  |  | C | C | A | C | A | A | A | A |  |
| 224168782 |  | 3158619252 |  |  | A | A | A | A | A | A | A | A |  |
| 224168783 |  | 3158619385 |  |  | A | C | A | C | A | A | A | A |  |
| 224168784 |  | 3158619491 |  |  | A | B | A | B | A | A | A | A |  |
| 224168785 |  | 3158619011 |  |  | C | A | A | C | A | A | A | A |  |
| 224168786 |  | 3158619509 |  |  | A | B | A | B | A | A | A | A |  |
| 224168787 |  | 3158619148 |  |  | A | A | A | A | A | A | A | A |  |
| 224168788 |  | 3158619244 |  |  | A | C | A | C | A | A | A | A |  |
| 224168789 |  | 3158619092 |  |  | C | A | A | C | A | A | A | A |  |
| 224168790 |  | 3158619311 |  |  | A | B | C | C | A | A | A | A |  |
| 224168791 |  | 3158619478 |  |  | A | A | A | A | A | A | A | A |  |
| 224168792 |  | 3158619062 |  |  | A | C | A | C | A | A | A | A |  |
| 224168793 |  | 3158618992 |  |  | B | A | A | B | A | A | A | A |  |
| 224168794 |  | 3158619216 |  |  | A | A | D | D | A | A | A | A |  |
| 224168795 |  | 3158618987 |  |  | A | A | A | A | A | A | A | A |  |
| 224168796 |  | 3158619489 |  |  | A | A | A | A | A | A | A | A |  |
| 224168797 |  | 3158619345 |  |  | A | A | A | A | A | A | A | A |  |
| 224168798 |  | 3158619500 |  |  | A | A | A | A | A | A | A | A |  |
| 224168799 |  | 3158619032 |  |  | A | A | A | A | A | A | A | A |  |
| 224168800 |  | 3158619172 |  |  | C | B | A | C | A | A | A | A |  |
| 224168801 |  | 3158619215 |  |  | A | C | A | C | A | C | A | C |  |
| 224168802 |  | 3158619359 |  |  | A | C | A | C | A | A | A | A |  |
| 224168803 |  | 3158619152 |  |  | A | A | A | A | A | A | A | A |  |
| 224168804 |  | 3158619238 |  |  | C | B | A | C | A | A | A | A |  |
| 224168805 |  | 3158619457 |  |  | A | C | A | C | A | A | A | A |  |
| 224168806 |  | 3158619374 |  |  | B | A | A | B | B | A | A | B |  |
| 224168807 |  | 3158619256 |  |  | A | A | C | C | A | A | A | A |  |
| 224168808 |  | 3158619465 |  |  | A | A | A | A | A | A | A | A |  |
| 224168809 |  | 3158619243 |  |  | A | C | A | C | A | A | A | A |  |
| 224168810 |  | 3158619019 |  |  | A | A | A | A | A | A | A | A |  |
| 224168811 |  | 3158619487 |  |  | A | A | A | A | A | A | A | A |  |
| 224168812 |  | 3158618981 |  |  | C | C | A | C | C | C | A | C |  |
| 224168813 |  | 3158619084 |  |  | C | C | A | C | A | A | A | A |  |
| 224168814 |  | 3158619082 |  |  | A | A | A | A | A | A | A | A |  |
| 224168815 |  | 3158619332 |  |  | A | C | A | C | A | A | A | A |  |
| 224168816 |  | 3158619269 |  |  | A | A | A | A | A | A | A | A |  |
| 224168817 |  | 3158619170 |  |  | A | A | A | A | A | A | A | A |  |
| 224168818 |  | 3158619186 |  |  | A | A | A | A | A | A | A | A |  |
| 224168819 |  | 3158618982 |  |  | B | A | A | B | A | A | A | A |  |
| 224168820 |  | 3158619153 |  |  | C | C | A | C | A | A | A | A |  |
| 224168821 |  | 3158619076 |  |  | A | A | A | A | A | A | A | A |  |
| 224168822 |  | 3158619044 |  |  | A | B | A | B | A | A | A | A |  |
| 224168823 |  | 3158619426 |  |  | B | C | A | C | B | B | A | B |  |
| 224168824 |  | 3158619175 |  |  | A | A | A | A | A | A | A | A |  |
| 224168825 |  | 3158619160 |  |  | A | A | A | A | A | A | A | A |  |
| 224168826 |  | 3158619036 |  |  | A | A | A | A | A | A | A | A |  |
| 224168827 |  | 3158619268 |  |  | A | C | A | C | A | A | A | A |  |
| 224168828 |  | 3158619471 |  |  | A | C | A | C | A | A | A | A |  |
| 224168829 |  | 3158619302 |  |  | A | A | A | A | A | A | A | A |  |
| 224168830 |  | 3158619318 |  |  | A | C | A | C | A | A | A | A |  |
| 224168831 |  | 3158619330 |  |  | A | A | A | A | A | A | A | A |  |
| 224168832 |  | 3158619383 |  |  | A | C | A | C | A | A | A | A |  |
| 224168833 |  | 3158619255 |  |  | A | C | A | C | A | A | A | A |  |
| 224168834 |  | 3158619089 |  |  | A | A | A | A | A | A | A | A |  |
| 224168835 |  | 3158619430 |  |  | A | C | A | C | A | A | A | A |  |
| 224168836 |  | 3158619230 |  |  | A | A | A | A | A | A | A | A |  |
| 224168837 |  | 3158619104 |  |  | C | A | A | C | A | A | A | A |  |
| 224168838 |  | 3158619232 |  |  | A | A | A | A | A | A | A | A |  |
| 224168839 |  | 3158619251 |  |  | A | A | A | A | A | A | A | A |  |
| 224168840 |  | 3158619020 |  |  | A | A | A | A | A | A | A | A |  |
| 224168841 |  | 3158619262 |  |  | A | C | A | C | A | A | A | A |  |
| 224168842 |  | 3158619325 |  |  | C | C | C | C | B | B | A | B |  |
| 224168843 |  | 3158619162 |  |  | A | A | A | A | A | A | A | A |  |
| 224168844 |  | 3158619218 |  |  | A | B | A | B | A | A | A | A |  |
| 224168845 |  | 3158619504 |  |  | A | C | A | C | A | A | A | A |  |
| 224168846 |  | 3158618979 |  |  | C | C | A | C | B | A | A | B |  |
| 224168847 |  | 3158619174 |  |  | A | B | A | B | A | A | A | A |  |
| 224168848 |  | 3158618988 |  |  | C | C | A | C | A | A | A | A |  |
| 224168849 |  | 3158619362 |  |  | C | C | A | C | A | C | A | C |  |

---

## Exhibit 99.15

**Exhibit 99.15**

![](situsamc_logo.jpg)

**Exception Grades**

**Run Date - 10/21/2025 12:28:37 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 224168564 |  | 3158619472 |  | 34624075 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 <br> Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did <br> not provide a copy of each valuation to applicant three <br> (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-10-02): appraisal <br> acknowledgement in file | 10/02/2025 |  |  | 1 B A |  | DC | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168565 |  | 3158619317 |  | 34655195 |  | 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 commitment title report in file disclosed <br> $[Redacted] of title insurance Coverage; however, this <br> is less than the loan amount of $[Redacted] |  |  |  | Reviewer Comment (2025-10-08): final title policy received<br>Buyer Comment (2025-10-08): Final Title Policy received | 10/08/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168568 |  | 3158619303 |  | 34650283 |  | Property | Property - Appraisal | Appraisal Documentation | Property - <br> Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-10-08): AVM received with a value supporting the appraised value<br>Buyer Comment (2025-10-08): Please see attached AVM. | 10/08/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168569 |  | 3158619358 |  | 34664102 |  | 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 (2025-10-13): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-09): Do not Concur. Valid CIC for initial loan lock [Redacted]. CDv2 disclosed timely same day. This is when premium pricing decreased | 10/13/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: <br> Letter of Explanation, Proof of Delivery, Copy <br> of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168571 |  | 3158619169 |  | 34614207 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-10-06): flood cert received<br>Buyer Comment (2025-10-06): see attached flood cert | 10/06/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168571 |  | 3158619169 |  | 34614208 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Missing flood certificate number and flood zone details. The flood certificate provided is illegible. |  |  |  | Reviewer Comment (2025-10-06): flood cert received<br>Buyer Comment (2025-10-06): see attached Flood Cert. | 10/06/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168572 |  | 3158619273 |  | 34654722 |  | 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, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-09): [Redacted] received a valid COC.<br>Buyer Comment (2025-10-08): Do not Concur. Valid CIC for POA added [Redacted]. CDv2 disclosed timely. No cure due bcak | 10/09/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168573 |  | 3158619140 |  | 34602206 |  | 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 updated appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-02): appraisal acknowledgement received<br>Buyer Comment (2025-10-02): Do Not Concur - appraisal ack in file | 10/02/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168573 |  | 3158619140 |  | 34602207 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | The only Affiliated Business Disclosure in file is dated the day of closing. |  |  |  | Reviewer Comment (2025-10-02): proof of disclosure delivery received<br>Buyer Comment (2025-10-02): Do Not Concur - please review disclosure tracking | 10/02/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168574 |  | 3158619023 |  | 34625450 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-02): Sufficient Cure Provided At Closing |  | 10/02/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168575 |  | 3158619512 |  | 34623903 |  | 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 (2025-10-08): final title policy received<br>Buyer Comment (2025-10-08): Please review Title attached | 10/08/2025 |  |  | 1 B A |  | UT | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168576 |  | 3158619206 |  | 34597607 |  | 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], the loan is short of the required coverage by $[Redacted]. Extended coverage is not disclosed, and a Checklist of Coverage is not provided to evidence the Replacement Cost Coverage is sufficient. (Property is in [Redacted]) |  |  |  | Reviewer Comment (2025-10-02): HOI coverage in file is acceptable with [Redacted]% replacement cost indicated<br>Buyer Comment (2025-10-02): Do not concur. HOI indicates "[Redacted]% Replacement cost on dwelling" in special conditions section. | 10/02/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168578 |  | 3158619312 |  | 34683941 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. The difference appears to be due to the new Loan Services Fee in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-10-21): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-10-21): Concur. Please see PCCD and Refund to the customer. |  | 10/21/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168578 |  | 3158619312 |  | 34683942 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. The difference is being caused by the New Loan Services Fee of $[Redacted]. |  |  |  | Reviewer Comment (2025-10-21): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-10-21): Concur. Please see PCCD and Refund to the customer. |  | 10/21/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168580 |  | 3158619356 |  | 34635905 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent agreement was not provided in the file. |  |  |  | Reviewer Comment (2025-10-08): e-consent documentation received<br>Buyer Comment (2025-10-08): E- Consent received electronically | 10/08/2025 |  |  | 1 C A |  | KY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168583 |  | 3158619017 |  | 34636059 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Proof that the updated appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-08): appraisal receipt received<br>Buyer Comment (2025-10-08): Please review uploaded proof of appraisal receipt. | 10/08/2025 |  |  | 1 B A |  | CO | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168583 |  | 3158619017 |  | 34636060 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-08): appraisal receipt received<br>Buyer Comment (2025-10-08): Please review uploaded proof of appraisal receipt. | 10/08/2025 |  |  | 1 B A |  | CO | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168583 |  | 3158619017 |  | 34636086 |  | 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. | Final title policy is missing. |  |  |  | Reviewer Comment (2025-10-09): final title policy received<br>Buyer Comment (2025-10-09): Please review uploaded final title policy. | 10/09/2025 |  |  | 1 B A |  | CO | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168583 |  | 3158619017 |  | 34636188 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Review of the Title Commitment and the Note indicate loan was a same lender refinance. |  |  |  | Reviewer Comment (2025-10-08): client accepts EV2 rating<br>Buyer Comment (2025-10-08): Accepting EV2 |  |  | 10/08/2025 | 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 B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168586 |  | 3158619253 |  | 34660993 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-10-14): CDA with valuation supporting the appraised value has been received<br>Buyer Comment (2025-10-14): Please see attached CDA. | 10/14/2025 |  |  | 1 D A |  | NJ | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168586 |  | 3158619253 |  | 34661030 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided At Closing |  | 10/07/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168588 |  | 3158619154 |  | 34641186 |  | 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 (2025-10-08): appraisal acknowledgement received<br>Buyer Comment (2025-10-08): Please review uploaded appraisal acknowledgement. | 10/08/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168588 |  | 3158619154 |  | 34641188 |  | 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, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-09): [Redacted] Received Valid COC along with supporting comments on the exception for Appraisal reinspection fee.<br>Buyer Comment (2025-10-08): Please review uploaded LOE/rebuttal from Correspondent. | 10/09/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168589 |  | 3158619389 |  | 34648497 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file was missing a copy of the Hazard Insurance Policy for Property [Redacted] |  |  |  | Reviewer Comment (2025-10-08): screenshots of HOI info for property has been received<br>Buyer Comment (2025-10-08): [Redacted] to [Redacted] refi- per procedures [Redacted] screenshots are acceptable | 10/08/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168591 |  | 3158619395 |  | 34599299 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-10-06): final title policy received<br>Buyer Comment (2025-10-06): Final Title Policy Provided | 10/06/2025 |  |  | 1 B A |  | AZ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168591 |  | 3158619395 |  | 34600122 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of PAG Declines. Exception approved with comp factors. | The representative FICO score exceeds the guideline <br> minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for <br> more than [Redacted] years.<br>Borrower has verified disposable income of at least <br> $[Redacted].<br>Borrower has worked in the same position for more <br> than [Redacted] years.<br>Borrower's monthly reserves have been verified and <br> exceed the amount required based on the guidelines <br> by at least [Redacted] months.<br>Borrowers made a down payment from their own <br> funds on this purchase transaction of at least <br> [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% <br> less than the guideline maximum. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-30): Exception approved, with comp factors. |  |  | 09/30/2025 | 2 B |  | AZ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168593 |  | 3158619449 |  | 34630331 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing evidence of consent to receive electronic disclosures. |  |  |  | Reviewer Comment (2025-10-06): e-consent form received<br>Buyer Comment (2025-10-06): Please review evidence Econsent attached | 10/06/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168593 |  | 3158619449 |  | 34630353 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Neither evidence of delivery of AVM nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-03): appraisal acknowledgement received<br>Buyer Comment (2025-10-03): See attached appraisal acknowledgment | 10/03/2025 |  |  | 1 B A |  | AL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168593 |  | 3158619449 |  | 34632898 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Missing Seller Closing Disclosure / HUD-1 / Closing Statement from sale of departure residence verifying proceeds. |  |  |  | Reviewer Comment (2025-10-09): signed closing statement received<br>Buyer Comment (2025-10-09): See attached closing stmt<br>Reviewer Comment (2025-10-03): closing statement received is "Estimated". Provide a final closing statement from the departure residence, or evidence of receipt of the funds dated prior to closing.<br>Buyer Comment (2025-10-03): See attached HUD/CD | 10/09/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168593 |  | 3158619449 |  | 34633190 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing Seller Closing Disclosure / HUD-1 / Closing Statement from sale of departure residence verifying proceeds. |  |  |  | Reviewer Comment (2025-10-09): closing statement received<br>Buyer Comment (2025-10-09): See attached closing stmt.<br>Reviewer Comment (2025-10-03): closing statement received is "Estimated". Provide a final closing statement from the departure residence, or evidence of receipt of the funds dated prior to closing.<br>Buyer Comment (2025-10-03): See attached Closing stmt | 10/09/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168593 |  | 3158619449 |  | 34633204 |  | 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 Seller Closing Disclosure / HUD-1 / Closing Statement from sale of departure residence verifying proceeds, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-09): closing statement received<br>Buyer Comment (2025-10-09): See attached closing stmt<br>Reviewer Comment (2025-10-03): closing statement received is "Estimated". Provide a final closing statement from the departure residence, or evidence of receipt of the funds dated prior to closing.<br>Buyer Comment (2025-10-03): See attached Closing stmt | 10/09/2025 |  |  | 1 B A C |  | AL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168593 |  | 3158619449 |  | 34633205 |  | 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 Seller Closing Disclosure / HUD-1 / Closing Statement from sale of departure residence verifying proceeds. |  |  |  | Reviewer Comment (2025-10-09): closing statement received<br>Buyer Comment (2025-10-09): See attached closing stmt<br>Reviewer Comment (2025-10-03): closing statement received is "Estimated". Provide a final closing statement from the departure residence, or evidence of receipt of the funds dated prior to closing.<br>Buyer Comment (2025-10-03): See attached Closing stmt | 10/09/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168593 |  | 3158619449 |  | 34633207 |  | 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 Seller Closing Disclosure / HUD-1 / Closing Statement from sale of departure residence verifying proceeds |  |  |  | Reviewer Comment (2025-10-09): closing statement received<br>Buyer Comment (2025-10-09): See attached closing stmt<br>Reviewer Comment (2025-10-03): closing statement received is "Estimated". Provide a final closing statement from the departure residence, or evidence of receipt of the funds dated prior to closing.<br>Buyer Comment (2025-10-03): See attached Closing stmt | 10/09/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168598 |  | 3158619506 |  | 34626061 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2025-10-02): appraisal delivery in file | 10/02/2025 |  |  | 1 B A |  | CO | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168600 |  | 3158619369 |  | 34598696 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exceptions of PAG Declines. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-30): Exception approved, with comp factors. |  |  | 09/30/2025 | 2 B |  | IL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168601 |  | 3158618995 |  | 34624437 |  | 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. | Transfer Tax. 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 (2025-10-02): Sufficient Cure Provided At Closing |  | 10/02/2025 |  | 1 A |  | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168603 |  | 3158619155 |  | 34626146 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-10-03): RCE from insurance company received, the HOI coverage in file is sufficient<br>Buyer Comment (2025-10-03): Do Not Concur - please review RC | 10/03/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168603 |  | 3158619155 |  | 34631712 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Proof that the updated appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-03): appraisal acknowledgement received<br>Buyer Comment (2025-10-03): Do Not Concur - ack in file | 10/03/2025 |  |  | 1 B A |  | PA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168604 |  | 3158619372 |  | 34635637 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing a copy of Tax Document of property [Redacted] |  |  |  | Reviewer Comment (2025-10-09): REO documentation received<br>Buyer Comment (2025-10-09): mtg statement for taxes | 10/09/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168604 |  | 3158619372 |  | 34662663 |  | 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 Escrow Sales Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided At Closing |  | 10/07/2025 |  | 1 A |  | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168605 |  | 3158619354 |  | 34692384 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-10-15): e-consent not required for this loan<br>Buyer Comment (2025-10-14): E-Consent not required | 10/15/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168605 |  | 3158619354 |  | 34692589 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure missing borrower signatures to evidence receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-10-14): evidence of initial CD delivery received<br>Buyer Comment (2025-10-14): Do not Concur. CDv1 generated [Redacted]. See attached banner pages also to see where the documents were sent [Redacted] same day. | 10/14/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168607 |  | 3158619053 |  | 34615007 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-02): appraisal acknowledgement received<br>Buyer Comment (2025-10-02): Please review uploaded appraisal acknowledgement. | 10/02/2025 |  |  | 1 B A |  | WA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168608 |  | 3158619292 |  | 34663080 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. |  |  |  |  | Reviewer Comment (2025-10-10): [Redacted] received HOA letter to confirm the HOA dues.<br>Buyer Comment (2025-10-09): Do Not Concur. The Escrow was figured based on the HOI yearly which is $[Redacted] divided by [Redacted] months = $[Redacted], the monthly maintenance and assessments amount furnished by the [Redacted] board's Attorney's [Redacted] at $[Redacted] per month. $[Redacted] + $[Redacted] = $[Redacted] which was disclosed on page 1 of the closing disclosure and marked as "no" escrow. This amount multiplied by [Redacted] months $[Redacted] x [Redacted] = $[Redacted] per year of non-escrowed property costs, so the closing disclosure is accurate. | 10/10/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168612 |  | 3158619171 |  | 34636221 |  | 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. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/[Redacted]) |  |  |  | Reviewer Comment (2025-10-06): appraisal receipt received<br>Buyer Comment (2025-10-06): See attached receipt of appraisal | 10/06/2025 |  |  | 1 B A |  | AZ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168613 |  | 3158619241 |  | 34664721 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Missing Note signed by borrower(s). |  |  |  | Reviewer Comment (2025-10-15): signed Note received<br>Buyer Comment (2025-10-14): Note, Final 1003, UCC1, and Loan Security Agreement Provided | 10/15/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168613 |  | 3158619241 |  | 34664727 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Missing Loan Security Agreement signed by borrower(s) and notarized. Missing UCC-1 Financing Statement pertaining to subject transaction. |  |  |  | Reviewer Comment (2025-10-15): signed security agreement and UCC-1 received | 10/15/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168613 |  | 3158619241 |  | 34687903 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Missing final 1003 signed and dated by borrower(s). |  |  |  | Reviewer Comment (2025-10-15): signed final 1003 received<br>Buyer Comment (2025-10-14): Note, Final 1003, UCC1, and Loan Security Agreement Provided | 10/15/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168615 |  | 3158619444 |  | 34632576 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing evidence of consent to receive electronic disclosures. |  |  |  | Reviewer Comment (2025-10-03): e-consent form received<br>Buyer Comment (2025-10-03): See attached E-consent | 10/03/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168616 |  | 3158619067 |  | 34611581 |  | 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 updated appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-03): appraisal acknowledgement received<br>Buyer Comment (2025-10-03): Please review uploaded appraisal acknowledgement. | 10/03/2025 |  |  | 1 B A |  | OR | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168617 |  | 3158619263 |  | 34691780 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP SSR in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-10-16): CDA received with a value supporting the appraised value<br>Buyer Comment (2025-10-16): See attached CDA | 10/16/2025 |  |  | 1 D A |  | CA | Second Home | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168617 |  | 3158619263 |  | 34693338 |  | 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 new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-10-16): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-10-14): Do not Concur. Valid CIC for loan amount [Redacted]. CDv6 disclosed timely next day | 10/16/2025 |  |  | 1 C A |  | CA | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168618 |  | 3158619087 |  | 34635548 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was disclosed as $[Redacted] in Section H of the initial Loan Estimate but disclosed as $[Redacted] in Section C of the Final Closing Disclosure, causing a [Redacted]% tolerance violation. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received PCCD and LOE suffice<br>Buyer Comment (2025-10-13): LOE<br>Buyer Comment (2025-10-13): please review PCCD<br>Reviewer Comment (2025-10-07): [Redacted] received Final [Redacted] and rebuttal comment that the survey fee disclosed the fee as Misc. If the service is optional (borrower chosen and not required by title or lender) and the survey completed on their own, then please provide attestation letter for the same with corrected CD to move the fee from section C to H in order to clear this exception. Otherwise, Cure would be due to borrower.<br>Buyer Comment (2025-10-06): Do Not Concur - please review final settlement statement disclosing fee as Misc. (not title required) | 10/14/2025 |  |  | 1 C A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168620 |  | 3158619264 |  | 34662849 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (2025-10-10): title company ABA only ABA disclosure in file. was not needed by lender for this loan<br>Buyer Comment (2025-10-10): Please clarify this exception as the Affiliated Business Disclosure is a document provided by the Title company used, if according to RESPA, The ABA Disclosure must be provided at or before the time of referral to the affiliated business, [Redacted] has not referred our customer to additional businesses of the Title company.<br>Reviewer Comment (2025-10-09): The standard is within 3 business days of application. This is an EV2 (non-material) finding.<br>Buyer Comment (2025-10-09): Do Not Concur. The ABA Disclosure does not have a strict "within 3 days of application" requirement. It must be given at or before the referral to the affiliated business, which may or may not coincide with the application date. Per our system we show that it was imaged on [Redacted] which means that it was provided to the customer on or before that date. | 10/10/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168623 |  | 3158619340 |  | 34599510 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exception of DTI exceeding guideline (does not meet core requirements). Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-30): Exception approved, with comp factors. |  |  | 09/30/2025 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168623 |  | 3158619340 |  | 34599513 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exception of DTI exceeding guideline (does not meet core requirements). Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-30): Exception approved, with comp factors. |  |  | 09/30/2025 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168627 |  | 3158619440 |  | 34660962 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Property address [Redacted] Tax document missing in file. |  |  |  | Reviewer Comment (2025-10-09): REO documentation received<br>Buyer Comment (2025-10-09): [Redacted] is a co-op attached is the co op fee | 10/09/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168627 |  | 3158619440 |  | 34661530 |  | 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 (2025-10-07): Sufficient Cure Provided At Closing |  | 10/07/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168631 |  | 3158619309 |  | 34601129 |  | 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 (2025-10-07): final title policy received<br>Buyer Comment (2025-10-07): Final Title Policy Provided | 10/07/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168632 |  | 3158619240 |  | 34626932 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. |  |  |  | Reviewer Comment (2025-10-03): undiscounted rate and rate price received<br>Buyer Comment (2025-10-03): Do not Concur. See attached undiscounted rate screen | 10/03/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168632 |  | 3158619240 |  | 34626934 |  | 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 (2025-10-07): [Redacted] received valid COC dated [Redacted]<br>Buyer Comment (2025-10-03): Do not Concur. Valid CIC for loan rate and points [Redacted]. CDv2 disclosed timely | 10/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168632 |  | 3158619240 |  | 34626939 |  | 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 points and fees failure. |  |  |  | Reviewer Comment (2025-10-03): undiscounted rate and rate price received<br>Buyer Comment (2025-10-03): Do not Concur. See attached undiscounted rate screen | 10/03/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168632 |  | 3158619240 |  | 34632601 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of PAG decline. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-02): Exception approved, with comp factors. |  |  | 10/02/2025 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168633 |  | 3158619121 |  | 34638621 |  | 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). | Rescission expiration date on notice is [Redacted]. Due to the federal holiday on this date, rescission expiration date should be [Redacted]. |  |  |  |  |  |  |  | 3 C |  | 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 C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168633 |  | 3158619121 |  | 34638624 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Neither of the escrow waiver reason checkboxes are marked on the consumer's final Closing Disclosure. |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168635 |  | 3158619058 |  | 34639292 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168637 |  | 3158619203 |  | 34597764 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted]. |  |  |  | Reviewer Comment (2025-10-06): 1026.4(A) Does not seem to address the discussion. Please provide more detailed citation based on the current regulation for review. [Redacted] tests the appraisal rush fee as a finance charge as it is not excluded under 4(c)(7), (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.<br> (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.<br> (iii) Notary and credit-report fees.<br> (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations.<br> (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br>Buyer Comment (2025-10-03): Please review Lender dispute attached; fee non finance charge 1026.4(a)<br>Reviewer Comment (2025-10-02): [Redacted] received rebuttal that rush fee is not a finance charge. However, the exclusion under 4(c)(7) covers Property appraisal fees or fees for inspections to assess the value or condition of the property. The fee to rush the appraisal is not a 4(c)(7) fee. If the seller can provide evidence or documentation the rush appraisal was requested by the borrower and was not imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit, we can consider exclusion from finance charge. What determines a finance charge is not who fee is paid to but what services are performed for that fee. In the case of an appraisal rush fee, this is a processing/service type fee and not a fee for inspection to assess the value or condition of the property. To be excluded from finance charge and be considered a 4(c)(7) fee the official interpretation is: Real-Estate Related Fees (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br>Buyer Comment (2025-10-01): Do not concur. Appraisal rush fee is Appraisal related therefore non prepaid. please exclude from Amount Financed. |  |  |  | 3 C |  | TN | 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 |
| 224168637 |  | 3158619203 |  | 34597765 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted]. |  |  |  | Reviewer Comment (2025-10-06): 1026.4(A) Does not seem to address the discussion. Please provide more detailed citation based on the current regulation for review. [Redacted] tests the appraisal rush fee as a finance charge as it is not excluded under 4(c)(7), (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br>Buyer Comment (2025-10-03): Please review Lender dispute attached; fee non finance charge 1026.4(a)<br>Reviewer Comment (2025-10-02): [Redacted] received rebuttal that rush fee is not a finance charge. However, the exclusion under 4(c)(7) covers Property appraisal fees or fees for inspections to assess the value or condition of the property. The fee to rush the appraisal is not a 4(c)(7) fee. If the seller can provide evidence or documentation the rush appraisal was requested by the borrower and was not imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit, we can consider exclusion from finance charge. What determines a finance charge is not who fee is paid to but what services are performed for that fee. In the case of an appraisal rush fee, this is a processing/service type fee and not a fee for inspection to assess the value or condition of the property. To be excluded from finance charge and be considered a 4(c)(7) fee the official interpretation is: Real-Estate Related Fees (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.<br>Buyer Comment (2025-10-01): Do not concur. Appraisal rush fee is Appraisal related therefore non prepaid. please exclude from Financed Charge. |  |  |  | 3 C |  | TN | 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 |
| 224168640 |  | 3158619056 |  | 34644586 |  | 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 $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | NE | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168641 |  | 3158619223 |  | 34602323 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of HOA document. |  |  |  | Reviewer Comment (2025-10-03): REO documentation received via bank statement<br>Buyer Comment (2025-10-03): Bank statement shows the hoa withdrawal for [Redacted] | 10/03/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168641 |  | 3158619223 |  | 34602362 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | The Hazard Policy was not effective until after both the Note and Disbursement dates. |  |  |  | Reviewer Comment (2025-10-07): evidence of HOI policy effective on date of disbursement received<br>Buyer Comment (2025-10-07): Per procedures Hazard Policy is effective the date of disbursement date of [Redacted] | 10/07/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168641 |  | 3158619223 |  | 34602376 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. Provide the seller CD to confirm any and all seller fees. |  |  |  | Reviewer Comment (2025-10-03): seller fee info received on the ALTA form<br>Buyer Comment (2025-10-03): Please see attached Combined ALTA statement reflecting both borrower and seller charges. | 10/03/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168641 |  | 3158619223 |  | 34602378 |  | 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 (2025-10-03): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-02): Do Not Concur. The loan locked on [Redacted] with discount points of $[Redacted], pricing fluctuated until lock. The discount points were disclosed timely on LEv 5. The discount points decreased prior to closing. | 10/03/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168642 |  | 3158619077 |  | 34636516 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-06): appraisal receipt received<br>Buyer Comment (2025-10-06): Do Not Concur - please review to satisfy | 10/06/2025 |  |  | 1 B A |  | MN | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168642 |  | 3158619077 |  | 34636517 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | MN | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168642 |  | 3158619077 |  | 34636518 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | MN | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168646 |  | 3158619320 |  | 34677944 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168647 |  | 3158619411 |  | 34652865 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-10-10): [Redacted]% replacement coverage, means [Redacted]% of coverage A, which we already included. However, screenshot of Full Replacement coverage was also received, which is acceptable<br>Buyer Comment (2025-10-10): Please re-review as Replacement Coverage is [Redacted]% not [Redacted]%; Systems reflects Full Replacement Cost<br>Reviewer Comment (2025-10-09): The [Redacted]% extended coverage of $[Redacted] was included in the initial calculation. The coverage is short of the required coverage, pending an RCE from the insurance company.<br>Buyer Comment (2025-10-09): Hazard Policy has replacement cost as [Redacted]% | 10/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168648 |  | 3158619469 |  | 34611990 |  | 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 Evidence: ___ <br> State: ___ |  |  |  |  | Reviewer Comment (2025-10-06): title policy received<br>Buyer Comment (2025-10-06): Please review Title attached. | 10/06/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168649 |  | 3158619167 |  | 34640487 |  | 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. | Sufficient or excess cure provided to the borrower at Closing. No valid COC provided for change |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided At Closing |  | 10/03/2025 |  | 1 A |  | MI | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168649 |  | 3158619167 |  | 34640526 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | VVOE within [Redacted] business days of Note is missing. |  |  |  | Buyer Comment (2025-10-14): Please review VOE to satisfy all citing's | 10/14/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168649 |  | 3158619167 |  | 34640527 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | VVOE within [Redacted] business days of Note is missing. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received | 10/14/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168649 |  | 3158619167 |  | 34640528 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | VVOE within [Redacted] business days of Note is missing. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] | 10/14/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168649 |  | 3158619167 |  | 34654901 |  | 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 within [Redacted] days of closing for both borrowers, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received | 10/14/2025 |  |  | 1 B A C |  | MI | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168649 |  | 3158619167 |  | 34654902 |  | 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 within [Redacted] days of closing for both borrowers. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received | 10/14/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168649 |  | 3158619167 |  | 34654916 |  | 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 within [Redacted] days of closing for both borrowers, |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received | 10/14/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168649 |  | 3158619167 |  | 34654923 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a VVOE within [Redacted] days of closing for both borrowers, |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received | 10/14/2025 |  |  | 1 C A |  | MI | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168650 |  | 3158619178 |  | 34624307 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing is provided. |  |  |  | Reviewer Comment (2025-10-03): appraisal acknowledgement received<br>Buyer Comment (2025-10-03): See attached appraisal acknowledgment on [Redacted] | 10/03/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168652 |  | 3158619415 |  | 34649895 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP SSR in file had a risk score of 3.6, which does not meet securitization requirements. The AVM received has a value more than 10% less than the appraised value, which does not meet securitization requirements. Need a CDA or field review supporting the original appraised value. |  |  |  | Reviewer Comment (2025-10-17): CDA received, with a value supporting the appraised value<br>Buyer Comment (2025-10-17): See attached CDA | 10/17/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168652 |  | 3158619415 |  | 34649992 |  | 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 new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-10-10): SitusAMC received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-09): Do not Concur. valid CICs for appaised value, product change, and Loan points occurred [Redacted]. Points increased to $[Redacted]. The points decreased at closing | 10/10/2025 |  |  | 1 C A |  | SC | 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 |
| 224168652 |  | 3158619415 |  | 34649993 |  | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-10-13): SitusAMC received email confirmation for survey required by borrower.<br>Buyer Comment (2025-10-10): Please see LOX from title that the survey fee was borrower requested<br>Reviewer Comment (2025-10-10): SitusAMC received LOX for rebuttal response with additional information. However, SitusAMC is unable to determine from the file whether the lender or title company required 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 (2025-10-09): Do not Concur. [Redacted] received invoice and confirmation that a survey was completed on [Redacted]. Attached CIC and invoice. Cdv3 disclosed timely [Redacted] | 10/13/2025 |  |  | 1 C A |  | SC | 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 |
| 224168658 |  | 3158619288 |  | 34662550 |  | 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 Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Project Processing Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-10-10): [Redacted] received valid COC and Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-09): Do Not Concur. The property type changed as did the loan amount on [Redacted] and a project processing fee was needed for this property, the fee was disclosed timely on LEv 6. | 10/10/2025 |  |  | 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 |
| 224168658 |  | 3158619288 |  | 34698086 |  | 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 Project Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-10): Sufficient Cure Provided At Closing |  | 10/10/2025 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168659 |  | 3158619463 |  | 34625791 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-10-06): tax returns and k-1 documentation received<br>Buyer Comment (2025-10-03): [Redacted]; [Redacted] & [Redacted] [Redacted] Tax Returns & K-1's | 10/06/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168659 |  | 3158619463 |  | 34625814 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | File is missing the most recent 2 yrs k-1s and 1120S returns for the borrower's business. |  |  |  | Reviewer Comment (2025-10-06): tax returns and k-1 documentation received | 10/06/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168659 |  | 3158619463 |  | 34625815 |  | 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 the most recent 2 yrs k-1s and 1120S returns for the borrower's business. |  |  |  | Reviewer Comment (2025-10-06): tax returns and k-1 documentation received | 10/06/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168659 |  | 3158619463 |  | 34625816 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing the most recent 2 yrs k-1s and 1120S returns for the borrower's business, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-06): tax returns and k-1 documentation received | 10/06/2025 |  |  | 1 B A C |  | CT | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168659 |  | 3158619463 |  | 34632302 |  | 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 the most recent 2 yrs k-1s and 1120S returns for the borrower's business. |  |  |  | Reviewer Comment (2025-10-06): tax returns and k-1 documentation received | 10/06/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168659 |  | 3158619463 |  | 34632313 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the most recent 2 yrs k-1s and 1120S returns for the borrower's business. |  |  |  | Reviewer Comment (2025-10-06): tax returns and k-1 documentation received<br>Buyer Comment (2025-10-03): [Redacted]<br>Buyer Comment (2025-10-03): [Redacted]; [Redacted] & [Redacted] [Redacted] Tax Returns & K-1's | 10/06/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168660 |  | 3158619396 |  | 34599511 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exception of DTI exceeding guideline (does not meet Core requirements). Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-30): Exception approved, with comp factors. |  |  | 09/30/2025 | 2 B |  | WA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168660 |  | 3158619396 |  | 34599518 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exception of DTI exceeding guideline (does not meet Core requirements). Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-30): Exception approved, with comp factors. |  |  | 09/30/2025 | 2 B |  | WA | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168662 |  | 3158619350 |  | 34599415 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI exceeding guidelines maximum of [Redacted]% due to lack of reserves. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-30): Exception approved, with comp factors. |  |  | 09/30/2025 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168662 |  | 3158619350 |  | 34599568 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI exceeding guidelines maximum of [Redacted]% due to lack of reserves. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-09-30): Exception approved, with comp factors. |  |  | 09/30/2025 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168664 |  | 3158619341 |  | 34650664 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $-[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-13): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-10-09): Do not Concur. Valid CIC for interest rate and loan points occurred on [Redacted] that decreased premium pricing to $[Redacted]. LEv2 disclosed timely next day. Premium pricing increased at closing. No cure due back. | 10/13/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168666 |  | 3158619135 |  | 34607271 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-01): Sufficient Cure Provided At Closing |  | 10/01/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168669 |  | 3158619421 |  | 34655314 |  | 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 (2025-10-13): [Redacted] received COC dated [Redacted]<br>Buyer Comment (2025-10-09): Do not Concur. Valid CIC for initial loan lock [Redacted]. LEv3 disclosed timely same day | 10/13/2025 |  |  | 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 |
| 224168670 |  | 3158619376 |  | 34599296 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI exceeding the guideline maximum of [Redacted]%. Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>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 | Reviewer Comment (2025-09-30): Exception approved, with comp factors. |  |  | 09/30/2025 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168670 |  | 3158619376 |  | 34599297 |  | 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 (2025-10-03): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-01): Do Not Concur. The customer indicated Intent to Proceed, the Loan Amount, Terms, Estimated Market Value, and Loan Amount all changed on [Redacted], the updated transfer taxes were disclosed timely on LEv 2 at $[Redacted] and decreased prior to closing. | 10/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168670 |  | 3158619376 |  | 34599303 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI exceeding the guideline maximum of [Redacted]%. Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>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 | Reviewer Comment (2025-09-30): Exception approved, with comp factors. |  |  | 09/30/2025 | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168674 |  | 3158619142 |  | 34602223 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168674 |  | 3158619142 |  | 34602259 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[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, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-13): [Redacted] received Verified Changed Circumstance (VCC) for increase in title fees on [Redacted]. <br> Creditors are permitted to provide and rely upon a revised Loan Estimate and reset tolerances only when the cumulative effect of the changed circumstance results in an increase to the sum of all costs subject to the tolerance by more than 10%. (Comment 19(e)(3)(iv)(A)-1.ii). <br> Here the 10% fee(s) included in testing are all title fees for a baseline of $[Redacted]. A Verified Changed Circumstance (VCC) was provide stating the Loan Amount increase due to which Lender's Title Insurance and Endorsement fee increased. This is an increase of only $[Redacted] or [Redacted]% from the baseline amount also, in a separate COC dated [Redacted] the document preparation fee of $[Redacted] was added which is again a change less than 10% of aggregate.<br>In order to re-baseline the 10% fees there needs to be an aggregate increase of more than 10%. Provide a Corrected CD disclosing the tolerance cure of $[Redacted] a copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br>Buyer Comment (2025-10-09): Do Not Concur - please escalate to manager -[Redacted] CD with valid CIC total title fees $[Redacted] plus 10% $[Redacted]. The Final Title fees charged to borrower at closing reduced to $[Redacted] CD [Redacted] no tolerance issue . Please cancel exception.<br>[Redacted] $[Redacted] CD with valid CIC plus 10% = $[Redacted] to CD [Redacted] [Redacted]<br>Reviewer Comment (2025-10-09): [Redacted] received rebuttal, however as title fees are disclosed in sec B of CD and are subject to 10% tolerance. As the aggregate increase was less than 10%, COC can't be applied. Cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-10-07): Do Not Concur - please review again Borrower requested change (increase in loan amount) not held to 10% aggregate, acceptable to rebase line<br>Reviewer Comment (2025-10-07): [Redacted] received Verified Changed Circumstance (VCC) dated [Redacted]. A Verified Changed Circumstance (VCC) was provided, however in order to re-baseline the 10% fees there need to be an aggregate increase of more than 10% and total fee increase was less than 10%. Provide a Corrected CD disclosing the tolerance cure of $[Redacted] a copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br>Buyer Comment (2025-10-03): Please review again - although fees further increased after [Redacted], using [Redacted] to rebase line (acceptable per valid COC) - Deed Prep $[Redacted] + Lenders Title $[Redacted] + Settlement Fee $[Redacted] + Endorsement $[Redacted] + Recording Fee $[Redacted] = $[Redacted] plus 10% = $[Redacted] is sufficient to cover $[Redacted]/10% Final CD<br>Reviewer Comment (2025-10-03): [Redacted] received valid COC for the fee increased on [Redacted]. But the Lender's title insurance fee and Endorsement further increased on [Redacted] CD and provided corresponding COC dated [Redacted] does not gives sufficient information on what the fees are increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-02): DO Not Concur - please review LOE disclosing breakdown of title fee(s) increase |  |  |  | 3 C |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168675 |  | 3158619163 |  | 34625616 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-10-16): AVM received with a value that supports the appraisal value<br>Buyer Comment (2025-10-16): Please see attached AVM. | 10/16/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168675 |  | 3158619163 |  | 34625871 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Proof that the updated appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-03): appraisal acknowledgement received<br>Buyer Comment (2025-10-03): Do Not Concur | 10/03/2025 |  |  | 1 B A |  | TX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168675 |  | 3158619163 |  | 34625872 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-03): appraisal acknowledgement received<br>Buyer Comment (2025-10-03): Do Not Concur - appraisal acknowledgement in file | 10/03/2025 |  |  | 1 B A |  | TX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168677 |  | 3158619005 |  | 34612023 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-01): Sufficient Cure Provided At Closing |  | 10/01/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168678 |  | 3158619429 |  | 34676395 |  | 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 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 (2025-10-16): [Redacted] received COC for receipt of purchase contract leads to increase in transfer tax.<br>Buyer Comment (2025-10-14): Do not Concur. [Redacted] received the sales contract [Redacted] that reflects borrower and seller are going in half on the transfer taxes. Valid CIC [Redacted] and LEv6 disclosed timely same day | 10/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168680 |  | 3158619407 |  | 34655640 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-10-16): CDA received with a valuation supporting the appraised value<br>Buyer Comment (2025-10-16): See attached CDA | 10/16/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168680 |  | 3158619407 |  | 34655662 |  | 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, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-13): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-09): Do not Concur. There were valid CICs for POA being added and removed. CDs disclosed timely. No cure was due back even though [Redacted] did cure parcial. This is in favor to the customer. | 10/13/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168681 |  | 3158619075 |  | 34641456 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of primary appraisal provided to the borrower(s) within three (3) business days prior to consummation was not provided in the file. |  |  |  | Reviewer Comment (2025-10-08): appraisal receipt received<br>Buyer Comment (2025-10-08): Please review uploaded proof of appraisal receipt. | 10/08/2025 |  |  | 1 B A |  | LA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168681 |  | 3158619075 |  | 34641511 |  | 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 initial deposit of $[Redacted] does not match Final Closing Disclosure initial deposit of $[Redacted]. |  |  |  | Reviewer Comment (2025-10-09): updated IEADS received<br>Buyer Comment (2025-10-09): Please review IEADS attached. | 10/09/2025 |  |  | 1 B A |  | LA | 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 |
| 224168685 |  | 3158619476 |  | 34612223 |  | 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 (2025-10-07): [Redacted] received valid Changed circumstance.<br>Buyer Comment (2025-10-03): Please see attached CIC - Loan Discount Points increased due to Rate lock. | 10/07/2025 |  |  | 1 C A |  | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168689 |  | 3158619274 |  | 34650905 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-10-08): AVM with value supporting the appraised value has been received<br>Buyer Comment (2025-10-08): Please see attached AVM. | 10/08/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168693 |  | 3158619080 |  | 34640844 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance policy document is not provided for REO [Redacted]. Insurance quotation is insufficient. |  |  |  | Reviewer Comment (2025-10-07): documentation in file is sufficient<br>Buyer Comment (2025-10-07): Non-subject property with no mortgage, the renewal quotation only subject to a signed and dated affidavit is sufficient for debt determination. | 10/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168693 |  | 3158619080 |  | 34651220 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-07): appraisal acknowledgement received<br>Buyer Comment (2025-10-07): Do Not Concur - please review | 10/07/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168694 |  | 3158619229 |  | 34675038 |  | 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 Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Update Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-10-15): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-10-14): Do not Concur. Appraisal expired and a recer was completed. Valid CIC [Redacted] and LEv7 disclosed timely same day | 10/15/2025 |  |  | 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 |
| 224168695 |  | 3158619217 |  | 34637227 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The file is missing copy of signed Final 1003. |  |  |  | Reviewer Comment (2025-10-06): final 1003 received<br>Buyer Comment (2025-10-06): Final 1003 Provided | 10/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168695 |  | 3158619217 |  | 34637241 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | File is missing a fully executed copy of the subject Note. |  |  |  | Reviewer Comment (2025-10-06): signed copy of the Note received<br>Buyer Comment (2025-10-06): Note Provided | 10/06/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168695 |  | 3158619217 |  | 34637246 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument - Subject Lien is missing document. |  |  |  | Reviewer Comment (2025-10-07): signed COOP security instrument received<br>Buyer Comment (2025-10-07): Loan is a Co-Op _ Loan Security Agreement Provided | 10/07/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168695 |  | 3158619217 |  | 34637724 |  | 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 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 Review 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 (2025-10-07): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-06): Do Not Concur. The original appraisal was going to expire before the condo approval and HO6 documents were going to be provided so an appraisal update was needed. | 10/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168695 |  | 3158619217 |  | 34638503 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exceptions of PAG Declines. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-03): Exception approved, with comp factors. |  |  | 10/03/2025 | 2 B |  | NY | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168696 |  | 3158619353 |  | 34664232 |  | 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 (2025-10-14): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-10-13): Do not Concur. Valid CIC and comments for complexity [Redacted] attached. LEv6 disclosed timely same day | 10/14/2025 |  |  | 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 |
| 224168698 |  | 3158619485 |  | 34633230 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-06): appraisal receipt received<br>Buyer Comment (2025-10-06): Please review Appraisal receipt attached | 10/06/2025 |  |  | 1 B A |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168699 |  | 3158619144 |  | 34599479 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Missing verification of employment obtained within [Redacted] business days prior to the Note date. |  |  |  | Reviewer Comment (2025-10-01): acceptable VOE documentation received<br>Buyer Comment (2025-10-01): DO Not Concur - please review paystub | 10/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168699 |  | 3158619144 |  | 34601283 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of employment obtained within [Redacted] business days prior to the Note date. |  |  |  | Reviewer Comment (2025-10-01): acceptable VOE documentation received | 10/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168699 |  | 3158619144 |  | 34601285 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing verification of employment obtained within [Redacted] business days prior to the Note date. |  |  |  | Reviewer Comment (2025-10-01): acceptable VOE documentation received | 10/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168699 |  | 3158619144 |  | 34601308 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing verification of employment obtained within [Redacted] business days prior to the Note date, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-01): acceptable VOE documentation received | 10/01/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168699 |  | 3158619144 |  | 34601309 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing verification of employment obtained within [Redacted] business days prior to the Note date. |  |  |  | Reviewer Comment (2025-10-01): acceptable VOE documentation received | 10/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168699 |  | 3158619144 |  | 34601310 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing verification of employment obtained within 10 business days prior to the Note date. |  |  |  | Reviewer Comment (2025-10-01): acceptable VOE documentation received | 10/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168700 |  | 3158619173 |  | 34597014 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-10-07): updated title policy showing sufficient coverage received<br>Buyer Comment (2025-10-07): See attached TP with sufficient coverage. | 10/07/2025 |  |  | 1 B A |  | NH | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168700 |  | 3158619173 |  | 34601774 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing |  | 09/30/2025 |  | 1 A |  | NH | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168701 |  | 3158619412 |  | 34616223 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Latest dated LE and earliest dated CD are dated the same date. No evidence in file that the borrower received the LE prior to the CD. |  |  |  | Reviewer Comment (2025-10-03): evidence of LE delivery prior to initial CD has been received<br>Buyer Comment (2025-10-03): Do not concur. Please see proof of LE and CD going via [Redacted]. LE was sent [Redacted] and CD was sent next day. No violation | 10/03/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined cure C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168702 |  | 3158619259 |  | 34672876 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of Lender Credit changed to $-[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for reduced credit, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-10-13): Do not Concur. Initial loan lock and valid CICs for loan points and Credit score occurred [Redacted]. LEv2 disclosed timely [Redacted] | 10/14/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168703 |  | 3158619405 |  | 34658210 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of Statement or other documentation to confirm the terms for [Redacted]. |  |  |  | Reviewer Comment (2025-10-13): REO documentation received<br>Buyer Comment (2025-10-13): taxes<br>Buyer Comment (2025-10-13): insurance<br>Buyer Comment (2025-10-13): mtg statement | 10/13/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168704 |  | 3158619245 |  | 34676549 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-10-15): e-consent screenshot received<br>Buyer Comment (2025-10-14): E-consent received electronically | 10/15/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168704 |  | 3158619245 |  | 34676595 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the HBA conversion application date of [Redacted]. |  |  |  | Reviewer Comment (2025-10-13): evidence the initial LE was created on [Redacted] has been received<br>Buyer Comment (2025-10-13): Loan flipped from HBA "Credit Only" to Purchase with property [Redacted]. LEv1 generated and sent to the customer [Redacted] | 10/13/2025 |  |  | 1 B A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168704 |  | 3158619245 |  | 34676596 |  | 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 three (3) business days after the HBA conversion application date of [Redacted]. |  |  |  | Reviewer Comment (2025-10-13): evidence the initial LE was created on [Redacted] has been received<br>Buyer Comment (2025-10-13): Loan flipped from HBA "Credit Only" to Purchase with property [Redacted]. LEv1 generated and sent to the customer [Redacted] | 10/13/2025 |  |  | 1 C A |  | CT | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168704 |  | 3158619245 |  | 34676597 |  | 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 (2025-10-14): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-10-13): Do not Concur. Expiration change and valid CIC for loan points occurred [Redacted]. CDv2 disclosed timely next day | 10/14/2025 |  |  | 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 |
| 224168704 |  | 3158619245 |  | 34693171 |  | 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. | Documentation in file indicates the appraisal was sent to the borrower [Redacted]; however there is no documentation of receipt and the presumed receipt date would have been after the closing date. |  |  |  | Reviewer Comment (2025-10-13): proof of appraisal delivery received<br>Buyer Comment (2025-10-13): Do not Concur. Appraisal was sent via [Redacted] [Redacted] | 10/13/2025 |  |  | 1 B A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168707 |  | 3158619416 |  | 34664215 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  | A copy of the appraiser's license, valid at the time of appraisal, not provided. Licensing data obtained from database lookup is after appraisal date. |  |  |  | Reviewer Comment (2025-10-14): evidence of active appraiser license received<br>Buyer Comment (2025-10-14): Appraisal lic does not expire till [Redacted] loan closed [Redacted] | 10/14/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168707 |  | 3158619416 |  | 34664290 |  | 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. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received COC dated [Redacted]<br>Buyer Comment (2025-10-13): Do Not Concur. There was a product change on [Redacted], a POA was also needed and had to be recorded so this increased the recording fees. This was disclosed to the customer timely on CDv 2, and the recording fee decreased some prior to closing. | 10/14/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168710 |  | 3158619025 |  | 34676497 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of final appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-13): appraisal acknowledgement received<br>Buyer Comment (2025-10-13): Please review uploaded appraisal acknowledgement. | 10/13/2025 |  |  | 1 B A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168710 |  | 3158619025 |  | 34676498 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of final appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-13): appraisal acknowledgement received<br>Buyer Comment (2025-10-13): Please review uploaded appraisal acknowledgement. | 10/13/2025 |  |  | 1 B A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168710 |  | 3158619025 |  | 34676499 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of initial appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-13): appraisal acknowledgement received<br>Buyer Comment (2025-10-13): Please review uploaded appraisal acknowledgement. | 10/13/2025 |  |  | 1 B A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168710 |  | 3158619025 |  | 34676500 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of initial appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-13): appraisal acknowledgement received<br>Buyer Comment (2025-10-13): Please review uploaded appraisal acknowledgement. | 10/13/2025 |  |  | 1 B A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168710 |  | 3158619025 |  | 34676501 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of interim appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-13): appraisal acknowledgement received<br>Buyer Comment (2025-10-13): Please review uploaded appraisal acknowledgement. | 10/13/2025 |  |  | 1 B A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168710 |  | 3158619025 |  | 34692896 |  | 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 new fee and no evidence of tolerance cure provided. Fee increased on Loan Estimate issued on [Redacted]. No changed circumstance documentation is provided for the re-disclosure. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received a valid COC.<br>Buyer Comment (2025-10-13): Please review uploaded documentation from Correspondent. Appraised value decreased with no change in loan amount increasing LTV and resulting in points. | 10/14/2025 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168717 |  | 3158619031 |  | 34649378 |  | 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 (2025-10-07): appraisal acknowledgement received<br>Buyer Comment (2025-10-07): Please review uploaded appraisal acknowledgement. | 10/07/2025 |  |  | 1 B A |  | SC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168717 |  | 3158619031 |  | 34649379 |  | 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 provided to the borrower(s) within three (3) business days prior to consummation was not provided in the file. |  |  |  | Reviewer Comment (2025-10-07): appraisal acknowledgement received<br>Buyer Comment (2025-10-07): Please review uploaded appraisal acknowledgement. | 10/07/2025 |  |  | 1 B A |  | SC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168717 |  | 3158619031 |  | 34649384 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-21): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-10-21): Please see attached cure docs.<br>Reviewer Comment (2025-10-17): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. (0)<br>Reviewer Comment (2025-10-08): [Redacted] received rebuttal comment and as per COC dated [Redacted] the POA was added for second POA however, the reason provided is not valid as the POA signed on [Redacted] by both the borrowers and total fee should have been disclosed upon receipt of information to lender. More information on increase or cure of $[Redacted] is required.<br>Buyer Comment (2025-10-07): Please review uploaded CIC. Initial recording fees increased for $[Redacted] on LE to $[Redacted] due to $[Redacted] e-Recording disclosed [Redacted], $[Redacted] for 1st POA on [Redacted], and an additional $[Redacted] for 2nd POA on [Redacted]. |  | 10/21/2025 |  | 2 C B |  | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168718 |  | 3158619196 |  | 34599345 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2025-10-01): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2025-10-01): Do Not Concur - application date [Redacted] | 10/01/2025 |  |  | 1 B A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168718 |  | 3158619196 |  | 34599347 |  | 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 three (3) business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2025-10-01): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2025-10-01): Do Not Concur - please review lender test (page 6) confirming application date as [Redacted] | 10/01/2025 |  |  | 1 C A |  | IL | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168718 |  | 3158619196 |  | 34599476 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Missing borrower verification of employment dated within 10 business days of closing. |  |  |  | Reviewer Comment (2025-10-02): VOE received<br>Buyer Comment (2025-10-01): Do Not Concur - please review leave of absence documentation "Paid Parental Leave benefits through [Redacted] "<br>Reviewer Comment (2025-10-01): borrower signed attestation is insufficient to verify employment. the leave of absence documentation from the employer is dated [Redacted], which is [Redacted] days prior to the note date, and is insufficient to meet guideline requirements<br>Buyer Comment (2025-10-01): Do Not Concur - Please review confirmation of employment | 10/02/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168718 |  | 3158619196 |  | 34599477 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Missing borrower verification of employment dated within 10 business days of closing. |  |  |  | Reviewer Comment (2025-10-02): VOE received | 10/02/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168718 |  | 3158619196 |  | 34602117 |  | 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 for the borrower, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-02): VOE received | 10/02/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168718 |  | 3158619196 |  | 34602118 |  | 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 for the borrower. |  |  |  | Reviewer Comment (2025-10-02): VOE received | 10/02/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168718 |  | 3158619196 |  | 34602121 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing a VVOE for the borrower dated within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-10-02): VOE received | 10/02/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168718 |  | 3158619196 |  | 34602149 |  | 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 for the Borrower. |  |  |  | Reviewer Comment (2025-10-02): VOE received | 10/02/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168719 |  | 3158619409 |  | 34654549 |  | 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 (2025-10-13): [Redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-10): Do not Concur. Valid CICs for interest rate and loan points [Redacted]. CDv5 disclosed same day | 10/13/2025 |  |  | 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 |
| 224168720 |  | 3158619161 |  | 34660079 |  | 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], the loan is short of the required coverage by $[Redacted]. Extended coverage is not disclosed. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-10-09): email from HOI agent confirming guaranteed replacement cost received and acceptable<br>Buyer Comment (2025-10-09): Do Not Concur - please review LOX | 10/09/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168720 |  | 3158619161 |  | 34660091 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the initial Loan Estimate but disclosed as -$[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease. The cure / principal reduction disclosed on the post-closing CD ($[Redacted]) is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received rebuttal, however If lender credit reduced at the exact same percentage that the loan amount change, then there are no other changes in the loan other than a change in the loan amount. The loan amount increased by [Redacted]% and lender credit decreased by [Redacted]%. If the lender credit reduces at a different percentage than the change in loan amount, either up or down, then the reduction in loan amount is not the only reason for reduction of the lender credit. In that case, the other reasons (program change, fee change) for the reduction need to be ascertained to ensure the borrower was properly informed and all disclosure timelines were met, or a cure is owed.<br>Buyer Comment (2025-10-13): Could this please be escalated for review? There is sufficient information on the COC showing loan amount was increased by borrower from $[Redacted] to $[Redacted] resulting in change in settlement charges with the proportionate amount of lender paid fees being decreased and corresponding lender credit decrease of $[Redacted].<br>Reviewer Comment (2025-10-13): [Redacted] received rebuttal and COC, however the change was not proportionate to the loan amount change. Though an LTV may change, the information did not state that there was a pricing/product/program change. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-10-10): Do Not Concur - COC valid - lender credit decrease associated with tiered lender rebate tied to loan amount<br>Reviewer Comment (2025-10-10): [Redacted] Receuved COC Dated [Redacted] states loan amount change; however, lender credit does not decrease proportionate to loan amount. Provide additional information for lender credit decreased or provide Cure Docs. Cure Docs consists of PCCD, LOE, Refund Check.<br>Buyer Comment (2025-10-09): Do Not Concur - please review valid COC for lender credit decrease |  |  |  | 3 C |  | WA | 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 |
| 224168720 |  | 3158619161 |  | 34667609 |  | 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 sent on [Redacted]. Default receipt date is [Redacted], which is less than 3 business days prior to Note date ([Redacted]). Borrower's acknowledgment of receipt not provided. |  |  |  | Reviewer Comment (2025-10-09): appraisal acknowledgement received<br>Buyer Comment (2025-10-09): Do Not Concur - please review appraisal ack | 10/09/2025 |  |  | 1 B A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168720 |  | 3158619161 |  | 34667611 |  | 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 disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure / principal reduction disclosed on the post-closing CD ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-10-10): [Redacted] Received Corrected PCCD, Letter of Explanation and Payment history within 60 days pf the closing.<br>Buyer Comment (2025-10-09): Cure received | 10/10/2025 |  |  | 1 C A |  | WA | 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 |
| 224168720 |  | 3158619161 |  | 34667612 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure / principal reduction disclosed on the post-closing CD ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-10-10): [Redacted] Received Corrected PCCD, Letter of Explanation and Payment history within 60 days pf the closing.<br>Buyer Comment (2025-10-09): Cure received | 10/10/2025 |  |  | 1 C A |  | WA | 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 |
| 224168722 |  | 3158619202 |  | 34604571 |  | 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 being provided to the borrowers at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-10-02): appraisal acknowledgement received<br>Buyer Comment (2025-10-02): Please review uploaded appraisal acknowledgement. | 10/02/2025 |  |  | 1 B A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168722 |  | 3158619202 |  | 34604573 |  | 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 Copy/Rush 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 Copy/Rush Fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. Although the file contained a change of circumstance indicating the fee had been added, there was no additional information as to why a rush fee was needed as the loan closed more than a month later. Because of this, the change of circumstance was not considered valid and there was no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2025-10-17): Valid COC with timing same day as the updated LE with the fee change has been received<br>Buyer Comment (2025-10-17): Please see attached detailed COC.<br>Reviewer Comment (2025-10-03): [Redacted]: The receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. When a lender issues a revised LE or CD reflecting an increase in fee(s) subject to tolerance, sufficient COC documentation is required to re-baseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § 1026.19(e) by documenting the original estimate of the cost at issue, explaining the reason for revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § 1026.19(e)(4) were satisfied. COC or Cure required to complete the remediation.<br>Buyer Comment (2025-10-02): Do no concur. The timing of closing as it relates to when the appraisal was completed should not be used as a basis as to whether or not the CIC is valid. The appraisal invoice dated [Redacted] was for $[Redacted] ($[Redacted] base + $[Redacted] rush) and appraisal was completed [Redacted]. It is evident based on time line that the appraisal review was expedited. | 10/17/2025 |  |  | 1 C A |  | UT | 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 |
| 224168723 |  | 3158619086 |  | 34673998 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-09): appraisal acknowledgement in file | 10/09/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168726 |  | 3158619138 |  | 34601989 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-01): appraisal acknowledgement received<br>Buyer Comment (2025-10-01): Do Not Concur - please review acknowledgment | 10/01/2025 |  |  | 1 B A |  | OR | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168728 |  | 3158619106 |  | 34677968 |  | 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 reports dated prior to closing did not provide a score. |  |  |  | Reviewer Comment (2025-10-13): UCDP received and risk score is acceptable<br>Buyer Comment (2025-10-13): Do Not Concur - please review | 10/13/2025 |  |  | 1 D A |  | WA | Primary | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168736 |  | 3158619010 |  | 34686457 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing |  | 10/09/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168737 |  | 3158619286 |  | 34605531 |  | 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. 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 (2025-10-03): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-02): Do Not Concur. There was a change in the Rate Lock Option, and Interest Rate on [Redacted] and discount points disclosed timely on LEv 5 at $[Redacted] | 10/03/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168737 |  | 3158619286 |  | 34613256 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Insurance verfication for property located at [Redacted]. |  |  |  | Reviewer Comment (2025-10-03): REO documentation received<br>Buyer Comment (2025-10-03): Adams HOA<br>Buyer Comment (2025-10-03): Adams mtg statement | 10/03/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168738 |  | 3158619139 |  | 34597783 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing |  | 09/30/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168739 |  | 3158619424 |  | 34604772 |  | 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 (2025-10-03): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-02): Do Not Concur. The loan locked on [Redacted], the customer had a credit score change and the discount points increased. The new loan points disclosed timely on LEv 3. | 10/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168740 |  | 3158619227 |  | 34612841 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The amount of Lender Credit changed to $-[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-08): [Redacted] received a valid COC.<br>Buyer Comment (2025-10-07): Do Not Concur. There was a product change that occurred and this change did not allow for the same lender credit as was previously applied as it was tied to the product. | 10/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168740 |  | 3158619227 |  | 34612842 |  | 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 3 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 (2025-10-07): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2025-10-07): 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. | 10/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168740 |  | 3158619227 |  | 34612845 |  | 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 LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-08): [Redacted] received a valid COC.<br>Buyer Comment (2025-10-07): Do Not Concur. The transfer taxes increased initially with changes in circumstances on [Redacted] of the loan amount and purchase price changing. The transfer taxes also increased again on [Redacted] when the loan amount changed again | 10/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168740 |  | 3158619227 |  | 34672290 |  | 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. | [Redacted] the loan discount point increased on CD dated [Redacted] for $[Redacted]. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of post CD,LOX,Copy of refund check and proof of mailing. |  |  |  | Reviewer Comment (2025-10-09): [Redacted] received a valid COC.<br>Buyer Comment (2025-10-08): Do not Concur. Expiration change and valid CIC for loan points [Redacted]. Points increased to $[Redacted]. Points decreased at closing | 10/09/2025 |  |  | 1 A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168747 |  | 3158619073 |  | 34650563 |  | 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. | Documentation in file indicates report was sent [Redacted]; however, there is no evidence of receipt and the presumed receipt date would have been after the date of closing. |  |  |  | Reviewer Comment (2025-10-07): appraisal acknowledgement received<br>Buyer Comment (2025-10-07): Please review uploaded appraisal acknowledgement. | 10/07/2025 |  |  | 1 B A |  | MA | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168747 |  | 3158619073 |  | 34650565 |  | 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. 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. |  |  |  | Reviewer Comment (2025-10-09): evidence received to resolve this condiiton<br>Buyer Comment (2025-10-09): Do not concur. $[Redacted] Escrow Holdback is Seller-Paid on PCCD and has no impact on borrower, i.e. no impact to "closing costs to the borrower".<br>Reviewer Comment (2025-10-09): This condition is in reference to the $[Redacted] Escrow Holdback in section H. Need documented evidence showing the 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.<br>Buyer Comment (2025-10-09): Please review uploaded LOE and PCCD. | 10/09/2025 |  |  | 1 D A |  | MA | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168747 |  | 3158619073 |  | 34650567 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Credit Report Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-08): [Redacted] received valid COC document<br>Buyer Comment (2025-10-07): Do not concur. Initial LE dated [Redacted] contains verbiage on page 3 in Other Considerations section that "You may receive a revised Loan Estimate at any time prior to 60 days before consummation." Fee increased from $[Redacted] to [Redacted] on [Redacted] LE and loan closed [Redacted]. | 10/08/2025 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168749 |  | 3158619093 |  | 34674096 |  | 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. | Final appraisal is dated [Redacted], which is less than 3 business days prior to the note date ([Redacted]). Although a valid acknowledgement of receipt was signed at closing, the borrower could not have received the final appraisal within the required timing parameters. |  |  |  | Reviewer Comment (2025-10-10): evidence of appraisal delivery received<br>Buyer Comment (2025-10-10): Do Not Concur - effective date of appraisal is [Redacted] - sent to borrower [Redacted] | 10/10/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168749 |  | 3158619093 |  | 34674100 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | The earliest disclosure provided was issued on [Redacted], which is more than 3 business days past the application date of [Redacted]. |  |  |  | Reviewer Comment (2025-10-10): e-disclosure received showing disclosure sent<br>Buyer Comment (2025-10-10): Do Not Concur - please review disc. tracking | 10/10/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168750 |  | 3158618986 |  | 34650134 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Verification of Rent (VOR) / Verification of Mortgage (VOM) document not provided |  |  |  | Reviewer Comment (2025-10-07): documentation in file is acceptable<br>Buyer Comment (2025-10-07): Do not concur. VOR is only needed when required by AUS. <br>Housing Payment History - Verification of Rent (VOR)<br> When a rental history is required by the respective Agency based on AUS method, the rental history must meet [Redacted] housing payment history requirements. | 10/07/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168750 |  | 3158618986 |  | 34650154 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-07): appraisal acknowledgement received<br>Buyer Comment (2025-10-07): Please review uploaded appraisal receipt acknowledgement. | 10/07/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168754 |  | 3158619475 |  | 34664386 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of Tax verification |  |  |  | Reviewer Comment (2025-10-14): mtg statement received, showing tax amount<br>Buyer Comment (2025-10-14): See attached Mortgage stmt for property [Redacted] | 10/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168755 |  | 3158619510 |  | 34663948 |  | 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 (2025-10-10): appraisal receipt received<br>Buyer Comment (2025-10-10): Please review Appraisal receipt attached | 10/10/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168755 |  | 3158619510 |  | 34679466 |  | 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 valuation provided to the borrower(s) within three (3) business days prior to consummation was not provided in the file. |  |  |  | Reviewer Comment (2025-10-10): appraisal receipt received<br>Buyer Comment (2025-10-10): Please review Appraisal receipt attached. | 10/10/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168756 |  | 3158619285 |  | 34611929 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Missing note signed by borrower. |  |  |  | Reviewer Comment (2025-10-03): signed Note received<br>Buyer Comment (2025-10-03): See attached Note | 10/03/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168756 |  | 3158619285 |  | 34612290 |  | 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. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-10-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-03): Do not Concur. Section E tolerance violation already cured at closing | 10/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168756 |  | 3158619285 |  | 34612291 |  | 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 disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-10-06): [Redacted] received COC dated [Redacted] for receipt of contract.<br>Buyer Comment (2025-10-03): Do not Concur. LEv1 expired. Please see timing of when sales contract was received also. LEV2 disclosed timely | 10/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168756 |  | 3158619285 |  | 34650170 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-06): Sufficient Cure Provided At Closing |  | 10/06/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168757 |  | 3158619021 |  | 34673323 |  | 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 $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Desk Review Fee fee changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-13): [Redacted]: The COC dated [Redacted] that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on what new information was received that required to add the field review fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the field review required and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-10): Please review uploaded CIC. | 10/20/2025 |  |  | 1 C A |  | AL | 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 |
| 224168757 |  | 3158619021 |  | 34673367 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The Field Review effective date does not match the Appraisal effective date. The desk review should have the same effective date as the appraisal. |  |  |  |  |  |  |  | 3 C |  | AL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168757 |  | 3158619021 |  | 34689933 |  | 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. |  |  |  |  | Reviewer Comment (2025-10-13): disclosure not required for this refinance situation<br>Buyer Comment (2025-10-13): Furthermore, refinance is not due to loss mitigation/foreclosure prevention. Please see uploaded attestation.<br>Buyer Comment (2025-10-13): Homeownership counseling is not required on a refinance. Borrower has owned property for 10 years. Furthermore, AUS (DU) does not require it.<br>Reviewer Comment (2025-10-10): email doesnt state why the borrower did not need the disclosure. Please provide additional information.<br>Buyer Comment (2025-10-10): Please review uploaded email from correspondent indicating homebuyer counseling was not required. | 10/13/2025 |  |  | 1 B A |  | AL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168758 |  | 3158619066 |  | 34677489 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168759 |  | 3158619422 |  | 34608065 |  | 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 not meeting the guideline requirement of [Redacted]%, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-01): DTI exception waived with compensating factors. | 10/01/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168759 |  | 3158619422 |  | 34608077 |  | 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.) | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-01): Exception approved, with comp factors. |  |  | 10/01/2025 | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168759 |  | 3158619422 |  | 34608422 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-01): Exception approved, with comp factors. |  |  | 10/01/2025 | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168760 |  | 3158619257 |  | 34641768 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exception of PAG decline of condo project. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<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 (2025-10-03): Exception approved, with comp factors. |  |  | 10/03/2025 | 2 B |  | IL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168761 |  | 3158619378 |  | 34607008 |  | 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 reduced credit, and no evidence of tolerance cure was in the file. |  |  |  | Reviewer Comment (2025-10-06): [Redacted] received COC dated [Redacted] and [Redacted].<br>Buyer Comment (2025-10-02): Do Not Concur. The lender credit was premium pricing, Loan was not locked for the first decrease in Lender Credit which occurred on [Redacted] and the loan locked on [Redacted]. The loan interest rate changed on [Redacted], the lender credit was premium pricing, the customer now has discount points applied after the interest rate change. This change disclosed timely on LEv 5. | 10/06/2025 |  |  | 1 C A |  | SC | 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 |
| 224168763 |  | 3158619125 |  | 34685052 |  | 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 (2025-10-09): Sufficient Cure Provided At Closing |  | 10/09/2025 |  | 1 A |  | NH | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168764 |  | 3158619108 |  | 34672790 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168765 |  | 3158619459 |  | 34691091 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (2025-10-14): signed disclosure received<br>Buyer Comment (2025-10-14): See attached receipt of Homeownership Counseling form | 10/14/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168765 |  | 3158619459 |  | 34691093 |  | 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 Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Tax Service Fee (Life Of Loan) 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 (2025-10-20): PCCD, refund check, LOX, and proof of mailing has been received<br>Buyer Comment (2025-10-20): Please see attached PCCD, Refund Check, LOE and Tracking.<br>Reviewer Comment (2025-10-15): [Redacted]: The COC that was provided in the trailing images was also provided in the original loan package indicates that purchase price and loan amount was decreased. However, the Tax service fee was increase of $[Redacted] from $[Redacted]. Moreover, file does not contain supporting document for vendor changed to increase the fee. If there was an additional reason the fees increased, we will need the additional information with supporting documentation of timeline for revie. Otherwise, a corrected CD, LOE, refund check, and proof of mailing is needed to cure.<br>Buyer Comment (2025-10-14): See attached CIC - the Tax service fee increase due to Lender switched to a different vendor which charged a higher fee. |  | 10/20/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168766 |  | 3158619197 |  | 34597127 |  | 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 updated appraisal delivery to the borrower at least 3 business days prior to closing was not located in the file. |  |  |  | Reviewer Comment (2025-10-01): appraisal acknowledgement received<br>Buyer Comment (2025-10-01): Do Not Concur - please review | 10/01/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168766 |  | 3158619197 |  | 34597129 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-30): Sufficient Cure Provided At Closing |  | 09/30/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168767 |  | 3158619515 |  | 34662040 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The file was missing a copy of the Licensee Information or Affidavit Rider indicated on the Security Instrument. The copy on file was not completed or executed. |  |  |  | Reviewer Comment (2025-10-10): affidavit of consideration received<br>Buyer Comment (2025-10-10): Please review Affidavit attached as indicated on the Deed of Trust. | 10/10/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168768 |  | 3158619236 |  | 34629768 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of collateral issue. The 1004D states the property is complete with some minor items to address but the photos show missing flooring which is [Redacted] main concern. The bedrooms, family room and gym are still missing the flooring. The exception is approved to close with these items still outstanding. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-03): Exception approved, with comp factors. |  |  | 10/03/2025 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168768 |  | 3158619236 |  | 34629862 |  | 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. The final CD has a $[Redacted] Final Inspection fee in both section A and B on page 2. |  |  |  | Reviewer Comment (2025-10-08): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-07): Do Not Concur. The appraiser requested a final inspection because this is a new build and was not fully completed at the time of appraisal. | 10/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168768 |  | 3158619236 |  | 34629863 |  | 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. The final CD has a $[Redacted] Final Inspection fee in both section A and B on page 2. |  |  |  | Reviewer Comment (2025-10-08): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-10-07): Do Not Concur. The appraiser requested a final inspection because this is a new build and was not fully completed at the time of appraisal. | 10/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168768 |  | 3158619236 |  | 34673658 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168769 |  | 3158619404 |  | 34612105 |  | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to [Redacted]% tolerance increased over the allowable limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-10-07): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception."<br>Buyer Comment (2025-10-06): Do Not Concur. The amount of overage of the [Redacted]% tolerance recording fee $[Redacted] was cured at closing. | 10/07/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168769 |  | 3158619404 |  | 34612106 |  | 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 Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Processing 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 (2025-10-08): [Redacted] received valid COC document<br>Buyer Comment (2025-10-07): The sales contract was received on [Redacted], however the property type was not known to be different until the appraisal review was completed on [Redacted], so the project processing fee was added after this review was completed.<br>Reviewer Comment (2025-10-07): [Redacted] received COC, however we require evidence when the purchase contract was received as purchase contract available in file is dated [Redacted]. Please provide supporting document to verify when the contract was received to re-evaluate the exception.<br>Buyer Comment (2025-10-06): Do Not Concur. The purchase contract was received and the appraisal came in which indicated a different property type than was originally considered, this was updated when the property type changed and the project processing fee was added and disclosed timely on LEv 3. | 10/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168769 |  | 3158619404 |  | 34612107 |  | 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 of $[Redacted] was added on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-10-08): [Redacted] received valid COC document<br>Buyer Comment (2025-10-07): Please see evidence when the purchase contract was received and uploaded.<br>Reviewer Comment (2025-10-07): [Redacted] received COC, however we require evidence when the purchase contract was received as purchase contract available in file is dated [Redacted]. Please provide supporting document to verify when the contract was received to re-evaluate the exception.<br>Buyer Comment (2025-10-06): Do Not Concur. The purchase contract was received and uploaded on [Redacted] and the transfer taxes were then updated, this disclosed timely on LEv 2. | 10/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168769 |  | 3158619404 |  | 34673359 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168770 |  | 3158619047 |  | 34680288 |  | 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 sent on [Redacted]. Default receipt date is [Redacted], which after the Note date ([Redacted]). Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements provided. |  |  |  | Reviewer Comment (2025-10-13): appraisal delivery received<br>Buyer Comment (2025-10-13): Please review uploaded proof of appraisal delivery. | 10/13/2025 |  |  | 1 B A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168770 |  | 3158619047 |  | 34680292 |  | 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. | Appraisal Reinspection Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is provided, however, the associated Loan Estimate reflects a 'Preview' watermark and no evidence of delivery of re-disclosure to borrower is provided. |  |  |  | Reviewer Comment (2025-10-15): [Redacted] Received Valid COC along with LE.<br>Buyer Comment (2025-10-14): Please review uploaded LE. | 10/15/2025 |  |  | 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 |
| 224168771 |  | 3158619239 |  | 34632160 |  | 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 COC dated [Redacted].<br>Buyer Comment (2025-10-07): Do not Concur. Expiration change and valid CIC for loan points occurred [Redacted]. CDv5 disclosed timely | 10/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168771 |  | 3158619239 |  | 34632161 |  | 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 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 Review 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 COC dated [Redacted].<br>Buyer Comment (2025-10-07): Do not Concur. Appraisal was expiring. Recert was ordered [Redacted] with valid CIC. CDv4 disclosed timely same day | 10/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168771 |  | 3158619239 |  | 34641425 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exceptions of PAG Declines. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-03): Exception approved, with comp factors. |  |  | 10/03/2025 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168772 |  | 3158619401 |  | 34612923 |  | 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 (2025-10-01): Sufficient Cure Provided At Closing |  | 10/01/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168774 |  | 3158619026 |  | 34687844 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for asset documentation. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-09): Exception approved, with comp factors. |  |  | 10/09/2025 | 2 B |  | OH | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168776 |  | 3158619319 |  | 34637788 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the Loan Estimate issued on [Redacted] (v.5) but disclosed as -$[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-10-08): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-10-07): Do Not Concur. The lender credit decreased when the loan amount changed and was disclosed timely on LEv 6. | 10/08/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168776 |  | 3158619319 |  | 34637791 |  | 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. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2025-10-08): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-07): Do Not Concur. A cure for $[Redacted] was issued at closing for the recording fee, please see system snip showing cure and the final closing disclosure. | 10/08/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168776 |  | 3158619319 |  | 34672369 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168777 |  | 3158619050 |  | 34674188 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-10-17): initial 1003 received<br>Buyer Comment (2025-10-17): Please review uploaded initial 1003. | 10/17/2025 |  |  | 1 B A |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168778 |  | 3158619137 |  | 34606046 |  | 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 sent on [Redacted]. Default receipt date is [Redacted], which is after the Note date ([Redacted]). Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements provided. |  |  |  | Reviewer Comment (2025-10-06): evidence of appraisal receipt received<br>Buyer Comment (2025-10-06): Do Not Concur - borrower received copy prior to closing | 10/06/2025 |  |  | 1 B A |  | AZ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168779 |  | 3158619454 |  | 34661606 |  | 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], the loan is short of the required coverage by $[Redacted]. Extended coverage is not disclosed. The policy does state "additional limits of liability for coverages A, B, C and D", however, it does not state what percentage or dollar amount the additional coverage is for. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-10-16): information regarding extended coverage for dwelling received, HOI coverage is sufficient.<br>Buyer Comment (2025-10-16): Please review, increase to 70% includes additional coverage A for dwelling.<br>Reviewer Comment (2025-10-10): personal property coverage is not an acceptable coverage to be used for the dwelling coverage.<br>Buyer Comment (2025-10-10): Do not concur:<br> Policy includes sufficient coverage. Replacement cost coverage on Page 2, under Additional Coverages, it lists Personal Property Replacement Cost Loss Settlement, HO0490 and on page 3 under Endorsements and Coverages, it lists: HO0490 05/11: Personal Property Replacement Cost Loss Settlement. Please cancel exception. | 10/16/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168781 |  | 3158619499 |  | 34679802 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Missing complete copy of settlement statement or Seller Closing Disclosure from sale of departure residence verifying proceeds of sale ($[Redacted]) and transfer of funds ($[Redacted]) to closing attorney on subject property. |  |  |  | Reviewer Comment (2025-10-10): asset documentation received is sufficient<br>Buyer Comment (2025-10-10): Please see attached settlement statement and closing attorney email supporting $[Redacted] in net proceeds credited on final CD.<br>Buyer Comment (2025-10-10): Please review Seller's Settlement Statement attached for all exceptions. | 10/10/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168781 |  | 3158619499 |  | 34680159 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing complete copy of settlement statement or Seller Closing Disclosure from sale of departure residence verifying proceeds of sale ($[Redacted]) and transfer of funds ($[Redacted]) to closing attorney on subject property. |  |  |  | Reviewer Comment (2025-10-10): asset documentation received is sufficient | 10/10/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168781 |  | 3158619499 |  | 34680160 |  | 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], plus additional deposit of $[Redacted] total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan ($[Redacted]), and there are only [Redacted] months of reserves verified ($[Redacted]). |  |  |  | Reviewer Comment (2025-10-10): asset documentation received is sufficient | 10/10/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168781 |  | 3158619499 |  | 34680176 |  | 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 closing statement verifying proceeds of sale of departure residence, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-10): asset documentation received is sufficient | 10/10/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168781 |  | 3158619499 |  | 34680177 |  | 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 closing statement verifying proceeds of sale of departure residence. |  |  |  | Reviewer Comment (2025-10-10): asset documentation received is sufficient | 10/10/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168781 |  | 3158619499 |  | 34680178 |  | 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 closing statement verifying proceeds of sale of departure residence. |  |  |  | Reviewer Comment (2025-10-10): asset documentation received is sufficient | 10/10/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168783 |  | 3158619385 |  | 34602172 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the Loan Estimate issued on [Redacted] but disclosed as -$[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received LOE and rate lock for change in pricing.<br>Buyer Comment (2025-10-10): Do not Concur. This increase in points/decrease in premium pricing is due to excessive Interested Party Contributions - the $[Redacted] credit. Seller gives $[Redacted] credit specifically towards closing costs. There are not enough fees to use the entire $[Redacted] seller credit. Per [Redacted], seller-obligated fees total $[Redacted]. If we take CD4 [Redacted] and look at Seller-paid total of $[Redacted] and remove their obligated amount of $[Redacted] that gives us $[Redacted] of borrower-paid fees that the Seller Credit of $[Redacted] is covering. This remaining amount of $[Redacted] is "excessing Interested Party Contributions (IPC)" which does affect pricing. The lender credit decrease was due to excessing IPC, not so much principal reduction.<br>Reviewer Comment (2025-10-07): [Redacted] received rebuttal comment that principal reduction and wire due to the $[Redacted] credit applied to the borrower closing cost. However, provided Final CD indicates $[Redacted] Principal reduction instead Principal reduction for cure exceeding legal limits P.O.C. Lender. This is not specific principal reduction to borrower for the lender credit violation. Please provide a Corrected CD, payment history and LOE to borrower reflecting this as a principal reduction for cure credit for costs over legal limits.<br>Buyer Comment (2025-10-03): Do not Concur. See attached Principle reduction comments and wire due to the $[Redacted] credit applied to the borrower's closing cost.<br>Reviewer Comment (2025-10-03): [Redacted] received COC dated [Redacted] for receiving seller credit. However, the redisclosed CD dated [Redacted] shows the seller credit applied against specific fees but the lender credit provided under section J is only $[Redacted] which is less than the baseline of lender credit provided at locked CD dated [Redacted]. For this reduced credit there seems to be no valid COC provided in file. Please provide more information as to what change circumstance occurred that resulted in decreased overall lender credit or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-10-01): Do not Concur. Addendum was received and Valid CIC for loan points [Redacted]. CDv5 disclosed timely next day. | 10/14/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168784 |  | 3158619491 |  | 34664329 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation in file indicates delivery to the borrower on [Redacted] which was not at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-10-15): proof of appraisal receipt received<br>Buyer Comment (2025-10-15): Please review confirm receipt for Appraisal attached. | 10/15/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168785 |  | 3158619011 |  | 34650841 |  | 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], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-10-13): RCE received, HOI coverage is sufficient<br>Buyer Comment (2025-10-13): Please review uploaded RCE.<br>Reviewer Comment (2025-10-07): HOI policy states "replacement cost coverage of the insured property subject to policy limits", which means up to the coverage amount. Need an RCE.<br>Buyer Comment (2025-10-07): Do not concur. HOI indicates policy provides replacement cost coverage. | 10/13/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168786 |  | 3158619509 |  | 34662476 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of updated appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-10): appraisal receipt received<br>Buyer Comment (2025-10-10): Appraisal receipt attached | 10/10/2025 |  |  | 1 B A |  | VA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168786 |  | 3158619509 |  | 34662478 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided At Closing |  | 10/07/2025 |  | 1 A |  | VA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168787 |  | 3158619148 |  | 34597196 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | This loan was originated by a CDFI lender. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  | Reviewer Comment (2025-09-30): Originated by a [Redacted] lender. | 09/30/2025 |  |  | 1 A |  | CA | Primary | Purchase | A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| 224168788 |  | 3158619244 |  | 34631890 |  | 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 amount 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 (2025-10-06): Do Not Concur. The purchase price of the property decreased, the loan amount changed, and the lender credit also decreased. This was disclosed timely on CDv 3. | 10/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168789 |  | 3158619092 |  | 34676959 |  | 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 (2025-10-14): final title policy received<br>Buyer Comment (2025-10-14): Please review Title attached<br>Reviewer Comment (2025-10-13): IF closing instructions were accepted in the past, it should not have been. need information from the title company showing sufficient loan amount coverage.<br>Buyer Comment (2025-10-13): Do Not Concur - please review again closing instructions directing the final amount have been accepted in the past<br>Reviewer Comment (2025-10-13): closing instructions are not adequate. need a supplemental title doc or final title policy from title company showing loan coverage is sufficient.<br>Buyer Comment (2025-10-13): Do Not Concur - please review closing instructions confirming final title policy inst. $[Redacted] | 10/14/2025 |  |  | 1 B A |  | CO | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168789 |  | 3158619092 |  | 34676991 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-10-13): e-consent form received<br>Buyer Comment (2025-10-13): Do Not Concur - please review e-consent | 10/13/2025 |  |  | 1 C A |  | CO | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168790 |  | 3158619311 |  | 34638674 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-10-06): HVAC inspection received, and is acceptable for the appraisal<br>Buyer Comment (2025-10-06): The appraisal was subject to an [Redacted] Inspection which has been attached that notes the [Redacted] is functioning properly. | 10/06/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168790 |  | 3158619311 |  | 34638709 |  | 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 provided [Redacted] with no evidence of receipt. The presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-10-06): appraisal receipt received<br>Buyer Comment (2025-10-06): Please see evidence of electronic receipt of appraisal | 10/06/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168792 |  | 3158619062 |  | 34676445 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-13): appraisal acknowledgement received<br>Buyer Comment (2025-10-13): Please review uploaded appraisal acknowledgement. | 10/13/2025 |  |  | 1 B A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168792 |  | 3158619062 |  | 34676448 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of actual receipt date of initial Closing Disclosure, issued on [Redacted], is not provided. Default receipt date is [Redacted], which is less than [Redacted] business days prior to the closing date ([Redacted]). |  |  |  | Reviewer Comment (2025-10-13): e-delivery of the initial CD has been received<br>Buyer Comment (2025-10-13): Please review uploaded proof of CD delivery on [Redacted]. | 10/13/2025 |  |  | 1 C A |  | WA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168792 |  | 3158619062 |  | 34694121 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | The initial disclosure, issued within 3 business days of application, was not signed by borrower(s). |  |  |  | Reviewer Comment (2025-10-13): proof of e-delivery of the disclosure has been received<br>Buyer Comment (2025-10-13): Please review uploaded proof of Initial Informational disclosures sent on [Redacted]. | 10/13/2025 |  |  | 1 B A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168793 |  | 3158618992 |  | 34667446 |  | 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 Preliminary in file. |  |  |  | Reviewer Comment (2025-10-10): title policy received<br>Buyer Comment (2025-10-10): See attached TP | 10/10/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168794 |  | 3158619216 |  | 34613852 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2025-10-06): desk review with value supporting the appraised value has been received<br>Buyer Comment (2025-10-06): Please see attached CDA. | 10/06/2025 |  |  | 1 D A |  | NC | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168794 |  | 3158619216 |  | 34613861 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-01): Sufficient Cure Provided At Closing |  | 10/01/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168795 |  | 3158618987 |  | 34663959 |  | 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. | File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided At Closing |  | 10/07/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168800 |  | 3158619172 |  | 34604937 |  | 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 (2025-10-02): HOI coverage is acceptable<br>Buyer Comment (2025-10-02): Do not concur. Site (land) value per appraisal is $[Redacted]. $[Redacted] appraised value - $[Redacted] = $[Redacted] replacement value. $[Redacted] insured amount is sufficient. | 10/02/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168800 |  | 3158619172 |  | 34604946 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Tax Certificate for property located at [Redacted] was not provided in the file. |  |  |  | Reviewer Comment (2025-10-02): REO documentation received<br>Buyer Comment (2025-10-02): Please review uploaded documentation used for taxes. | 10/02/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168800 |  | 3158619172 |  | 34604951 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation in file indicates delivery of the appraisal on [Redacted]; however, there is no documentation of the borrower's receipt and the presumed receipt date would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-10-02): appraisal acknowledgement received<br>Buyer Comment (2025-10-02): Please review uploaded appraisal acknowledgement. | 10/02/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168801 |  | 3158619215 |  | 34611606 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | The interest rate changed after the initial Closing Disclosure was issued on [Redacted]. An interim CD reflecting new terms and final APR was not issued and received by borrower at least 3 business days prior to closing. |  |  |  | Buyer Comment (2025-10-13): Concur. After further research, this loan did close before the customer received the CD for three days. (please disregard previous comment in error)<br>Buyer Comment (2025-10-13): Concur. After further research, this loan did not close before the customer received the CD for three days.<br>Reviewer Comment (2025-10-07): evidence of e-delivery of CD dated [Redacted], with a delivery to the borrower on [Redacted] received, however, this is 2 days prior to closing, and not at least 3 business days prior to closing.<br>Buyer Comment (2025-10-07): Do Not Concur. Please see system snip showing electronic delivery of the closing disclosure to the customer<br>Reviewer Comment (2025-10-06): [Redacted](f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under [Redacted], revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation ([Redacted]%) changed more than the [Redacted]% threshold compared to the actual/calculated APR at consummation ([Redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least [Redacted] business days prior to consummation. |  |  | 10/13/2025 | 3 C |  | TN | Second Home | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168801 |  | 3158619215 |  | 34611607 |  | 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 | The interest rate changed after the initial Closing Disclosure was issued on [Redacted]. An interim CD reflecting new terms and final APR was not issued and received by borrower at least 3 business days prior to closing. |  |  |  | Buyer Comment (2025-10-13): Concur. After further research, this loan did close before the customer received the CD for three days. (please disregard previous comment in error)<br>Buyer Comment (2025-10-13): Concur. After further research, this loan did not close before the customer received the CD for three days.<br>Reviewer Comment (2025-10-07): evidence of e-delivery of CD dated [Redacted], with a delivery to the borrower on [Redacted] received, however, this is 2 days prior to closing, and not at least 3 business days prior to closing.<br>Buyer Comment (2025-10-07): Do Not Concur. Please see system snip showing electronic delivery of the closing disclosure to the customer |  |  | 10/13/2025 | 3 C |  | TN | Second Home | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168802 |  | 3158619359 |  | 34601448 |  | 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 (2025-10-07): [Redacted] received COC and LOS snips for receipt of contract on [Redacted].<br>Buyer Comment (2025-10-03): Please see system snips showing when the sales contract was received and uploaded.<br>Reviewer Comment (2025-10-03): [Redacted] received COC dated [Redacted] for increase in fee due to receipt of purchase contract. But the purchase contract was executed on [Redacted] and application is dated [Redacted]. Please provide evidence like LOS snip or email log to verify when lender has received the sales contract or cure would be due to the borrower.<br>Buyer Comment (2025-10-01): Do Not Concur. The customer indicated Intent to Proceed, Locked the Rate, and the purchase contract was received and uploaded, LEv 5 issued timely disclosing the transfer taxes at $[Redacted] and they decreased before closing. | 10/07/2025 |  |  | 1 C A |  | MD | 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 |
| 224168803 |  | 3158619152 |  | 34605661 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-01): Sufficient Cure Provided At Closing |  | 10/01/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168804 |  | 3158619238 |  | 34631906 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-10-08): HOI coverage is sufficient<br>Buyer Comment (2025-10-08): Insurance Policy notates Replacement Cost Coverage is [Redacted]% | 10/08/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168804 |  | 3158619238 |  | 34631910 |  | 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 (2025-10-07): e-delivery of appraisal received<br>Buyer Comment (2025-10-07): Do Not Concur. Please evidence of electronic delivery of appraisal to customer | 10/07/2025 |  |  | 1 B A |  | MA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168805 |  | 3158619457 |  | 34665299 |  | 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. | 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. |  |  |  | Reviewer Comment (2025-10-13): [Redacted] received e-consent.<br>Buyer Comment (2025-10-10): See attached E-consent. | 10/13/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168806 |  | 3158619374 |  | 34604283 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exception of PAG decline of condo project. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-01): Exception approved, with comp factors. |  |  | 10/01/2025 | 2 B |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168807 |  | 3158619256 |  | 34630810 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-10-06): appraisal indicating as is has been received<br>Buyer Comment (2025-10-06): appraisal was completed "as-is" | 10/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168809 |  | 3158619243 |  | 34631816 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | [Redacted](f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under [Redacted], revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation ([Redacted]%) changed more than the [Redacted]% threshold compared to the actual/calculated APR at consummation ([Redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  |  |  | Reviewer Comment (2025-10-07): evidence of e-delivery of the CD received<br>Buyer Comment (2025-10-07): Do not Concur. CD sent via [Redacted] [Redacted] | 10/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168809 |  | 3158619243 |  | 34631817 |  | 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 (2025-10-07): evidence of e-delivery of the CD received<br>Buyer Comment (2025-10-07): Do not Concur. CD sent via [Redacted] [Redacted] | 10/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168809 |  | 3158619243 |  | 34631818 |  | 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. |  |  |  | Reviewer Comment (2025-10-08): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-07): Do not Concur. Section E tolerance violation already cured at closing | 10/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168809 |  | 3158619243 |  | 34631819 |  | 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 violation. |  |  |  | Reviewer Comment (2025-10-08): [Redacted] received a valid COC.<br>Buyer Comment (2025-10-07): Do not Concur. Valid CICs for interest rate and loan points [Redacted]. CDv3 disclosed timely same day | 10/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168809 |  | 3158619243 |  | 34672273 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168812 |  | 3158618981 |  | 34660717 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | 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 $[Redacted]. Additionally, guidelines require 6 months of reserves for this loan ($[Redacted]), and there are only [Redacted] months of reserves verified ($[Redacted]). |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 224168812 |  | 3158618981 |  | 34660838 |  | 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. |  |  |  |  |  |  |  | 3 B C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 224168812 |  | 3158618981 |  | 34660841 |  | 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. |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 224168813 |  | 3158619084 |  | 34656208 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Tax Certificate for REO property located at [Redacted]. |  |  |  | Reviewer Comment (2025-10-13): REO documentation received / in file is sufficient<br>Buyer Comment (2025-10-13): Do Not Concur [Redacted] retained as second home<br> There is verification owned free and clear via property report<br> LOX in file regarding [Redacted] and [Redacted] being one and the same.<br> Taxes $[Redacted] / [Redacted] is $[Redacted] | 10/13/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168813 |  | 3158619084 |  | 34656257 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing income/third party verification/tax returns documentation, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-13): income / employment documentation received | 10/13/2025 |  |  | 1 B A C |  | SC | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168813 |  | 3158619084 |  | 34656258 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - K-1 Less Than 25 Percent | General QM: Unable to verify current K-1 (Less than [Redacted]% Ownership) status using reasonably reliable third-party records. | Missing third party verification of the business. |  |  |  | Reviewer Comment (2025-10-13): income / employment documentation received<br>Buyer Comment (2025-10-13): VOE | 10/13/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168813 |  | 3158619084 |  | 34656259 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. | Missing third party verification of the business. |  |  |  | Reviewer Comment (2025-10-13): removed this income source from consideration. loan still qualifies<br>Buyer Comment (2025-10-13): Income from [Redacted] was not utilized for loan qualification | 10/13/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168813 |  | 3158619084 |  | 34656260 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than 25 Percent | General QM: Unable to verify K-1 (Less than [Redacted]% Ownership) income using reasonably reliable third-party records. | [Redacted]./Schedule K-1 less than [Redacted] percent missing business most recent tax return documentation. |  |  |  | Reviewer Comment (2025-10-13): income / employment documentation received<br>Buyer Comment (2025-10-13): K-1 | 10/13/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168814 |  | 3158619082 |  | 34648780 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-06): Sufficient Cure Provided At Closing |  | 10/06/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168814 |  | 3158619082 |  | 34648781 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-06): Sufficient Cure Provided At Closing |  | 10/06/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168814 |  | 3158619082 |  | 34648782 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-06): Sufficient Cure Provided At Closing |  | 10/06/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168815 |  | 3158619332 |  | 34639396 |  | 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/Property Valuation Fee was disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-10-09): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-10-08): Do not Concur. Please see valid CIC and complexity comments for [Redacted]. LEv4 disclosed timely same day.<br>Reviewer Comment (2025-10-08): [Redacted] received document, however there is no date of change provided when the change occurred. Please provide valid COC with date of change to re-evaluate the exception.<br>Buyer Comment (2025-10-06): Do Not Concur. Please see system notes from the appraiser about the need for the fee increase as this is a complex appraisal. | 10/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168815 |  | 3158619332 |  | 34639397 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-10-09): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2025-10-08): Do not Concur. Please see valid CIC and complexity comments for [Redacted]. LEv4 disclosed timely same day.<br>Reviewer Comment (2025-10-08): [Redacted] received document, however there is no date of change provided when the change occurred. Please provide valid COC with date of change to re-evaluate the exception.<br>Buyer Comment (2025-10-06): Do Not Concur. Please see system notes from the appraiser about the need for the fee increase as this is a complex appraisal. | 10/09/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168817 |  | 3158619170 |  | 34677447 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168819 |  | 3158618982 |  | 34659440 |  | 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 provided in the file coverage amount of $[Redacted] does not match the loan amount of [Redacted]. The final title policy was not provided. |  |  |  | Reviewer Comment (2025-10-14): final title policy received<br>Buyer Comment (2025-10-14): Please review uploaded title. | 10/14/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168820 |  | 3158619153 |  | 34657044 |  | 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], total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan ($[Redacted]), and there are only [Redacted] months of reserves verified (-$[Redacted]). Shortage is due to the following unsourced deposits to [Redacted] #[Redacted]: $[Redacted] on [Redacted]; $[Redacted] on [Redacted]; $[Redacted] on [Redacted]. Per guidelines, business assets ($[Redacted]) are not eligible to meet minimum reserve requirements. |  |  |  | Reviewer Comment (2025-10-07): asset documentation in file is acceptable<br>Buyer Comment (2025-10-07): Do Not Concur - For refinance transactions, documentation or explanation for large deposits is not required, <br> deductions seems in line comparing 2 months <br>ASSETS AS DISCLOSED PER URLA - NOT DOCUMENTED | 10/07/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168820 |  | 3158619153 |  | 34657072 |  | 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 reserves, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-07): asset documentation in file is acceptable | 10/07/2025 |  |  | 1 B A C |  | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168820 |  | 3158619153 |  | 34657073 |  | 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 reserves. |  |  |  | Reviewer Comment (2025-10-07): asset documentation in file is acceptable | 10/07/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168820 |  | 3158619153 |  | 34657076 |  | 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 disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-10-08): [Redacted] received valid COC document<br>Buyer Comment (2025-10-07): Do Not Concur - please review Appraisal Analysis/Comments - property in rural area, extensive additional research required | 10/08/2025 |  |  | 1 C A |  | OR | 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 |
| 224168820 |  | 3158619153 |  | 34657077 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-10-12): [Redacted] received rebuttal and valid COC<br>Buyer Comment (2025-10-09): Do Not Concur - please review appraisal - property located in rural area | 10/12/2025 |  |  | 1 C A |  | OR | 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 |
| 224168822 |  | 3158619044 |  | 34702783 |  | 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 the loan file to evidence the updated appraisal was provided to the borrower at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-10-13): appraisal acknowledgement received<br>Buyer Comment (2025-10-13): Please review uploaded appraisal acknowledgement. | 10/13/2025 |  |  | 1 B A |  | ME | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168823 |  | 3158619426 |  | 34602383 |  | 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 ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-01): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 10/01/2025 | 2 B |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168823 |  | 3158619426 |  | 34602392 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2025-10-02): proof of e-delivery to borrower has been received<br>Buyer Comment (2025-10-02): Do Not Concur. Please see proof of electronic delivery of the appraisal to the customer. | 10/02/2025 |  |  | 1 B A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168823 |  | 3158619426 |  | 34602394 |  | 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]% | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-01): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 10/01/2025 | 2 B |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168823 |  | 3158619426 |  | 34602396 |  | 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 (2025-10-03): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-02): Do Not Concur. There was a change in Loan Amount, Product Type, and Interest Rate on [Redacted] and discount points disclosed timely on LEv 5 at $[Redacted], they were reduced prior to closing. | 10/03/2025 |  |  | 1 C A |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168824 |  | 3158619175 |  | 34613838 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-01): Sufficient Cure Provided within 60 Days of Closing |  | 10/01/2025 |  | 1 A |  | TN | 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 |
| 224168827 |  | 3158619268 |  | 34631200 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | [Redacted](f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under [Redacted], revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation ([Redacted]%) changed more than the [Redacted]% threshold compared to the actual/calculated APR at consummation ([Redacted]%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  |  |  | Reviewer Comment (2025-10-07): evidence of e-delivery of the final CD has been received<br>Buyer Comment (2025-10-07): Do Not Concur. CDv 6 which was the signed closing disclosure has an APR of [Redacted]% and was issued [Redacted]. Please see record of electronic delivery of the closing disclosure on [Redacted] to the customer. | 10/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168827 |  | 3158619268 |  | 34631201 |  | 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 (2025-10-07): evidence of e-delivery of the final CD has been received<br>Buyer Comment (2025-10-07): Do Not Concur. CDv 6 which was the signed closing disclosure has an APR of [Redacted]% and was issued [Redacted]. Please see record of electronic delivery of the closing disclosure on [Redacted] to the customer. | 10/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168828 |  | 3158619471 |  | 34663369 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Missing required state-specific documentation. |  |  |  | Reviewer Comment (2025-10-15): Correct state Anti Predatory Certificate of Completion disclosure received.<br>Reviewer Comment (2025-10-14): compliance cert from lender received<br>Buyer Comment (2025-10-14): See attached Compliance Certificate | 10/15/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168830 |  | 3158619318 |  | 34639230 |  | 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 were disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. |  |  |  | Reviewer Comment (2025-10-08): [Redacted] received COC dated [Redacted].<br>Buyer Comment (2025-10-07): Do not Concur. Points increased to $[Redacted] with valid CIC of loan amount [Redacted]. LEv4 disclosed timely same day. Point decreased at closing. No cure due back. | 10/08/2025 |  |  | 1 C A |  | WA | 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 |
| 224168832 |  | 3158619383 |  | 34601400 |  | 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 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 (2025-10-02): [Redacted] received system snip and LOX for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-01): Do not Concur. Valid CIc for loan amount [Redacted]. LEv 2 disclosed timely | 10/02/2025 |  |  | 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 |
| 224168832 |  | 3158619383 |  | 34601401 |  | 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 (2025-10-02): [Redacted] received system snip and LOX for rebuttal response with additional information for a valid Changed circumstance and the rate was not locked at the time of fee added.<br>Buyer Comment (2025-10-01): Do not Concur. Valid CIC for initial loan lock [Redacted]. LEv1 disclosed timely same day | 10/02/2025 |  |  | 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 |
| 224168833 |  | 3158619255 |  | 34631855 |  | 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 amount 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 (2025-10-07): [Redacted] received rebuttal suffice<br>Buyer Comment (2025-10-06): Do Not Concur. The loan rate was not locked yet, pricing can change when not locked and this lender credit was premium pricing. The loan rate locked on [Redacted] and the lender credit decreased on LEv 3 issued on [Redacted]. | 10/07/2025 |  |  | 1 C A |  | IN | 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 |
| 224168835 |  | 3158619430 |  | 34625452 |  | 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 (2025-10-08): [Redacted] received valid COC document<br>Buyer Comment (2025-10-07): Do not Concur. Valid CIC for initial loan lock and points [Redacted]. LEv2 disclosed timely same day | 10/08/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168837 |  | 3158619104 |  | 34678076 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168837 |  | 3158619104 |  | 34702130 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Tradeline for [Redacted] showing as past due $[Redacted] on credit report and although a payment was made to this trade on the final Closing Disclosure, it was only in the amount of $[Redacted]. There is no documentation in file to indicate the amount needed to bring the account current or to support the amount paid on the CD. |  |  |  | Reviewer Comment (2025-10-14): LOE and account statement received showing all past due amounts were paid at closing.<br>Buyer Comment (2025-10-14): Do Not Concur - please review LOE around past due amount | 10/14/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168841 |  | 3158619262 |  | 34630688 |  | 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]. | None of the [Redacted] final CDs are signed/dated leading to a presumed receipt date of [Redacted]. The loan disbursed on [Redacted] which was not at least 3 business days from the transaction date of [Redacted]. |  |  |  | Reviewer Comment (2025-10-07): borrower signed final CD received<br>Buyer Comment (2025-10-07): Do not Concur. Please see attached signed CD | 10/07/2025 |  |  | 1 C A |  | FL | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168841 |  | 3158619262 |  | 34630689 |  | 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). | Waterfall condition for not having a copy of the final CD signed and dated by the borrower. Based on the [Redacted] transaction date, the expiration date on the Right to Cancel is incorrect. |  |  |  | Reviewer Comment (2025-10-07): borrower signed final CD received<br>Buyer Comment (2025-10-07): Do not Concur. Please see attached signed CD | 10/07/2025 |  |  | 1 C A |  | FL | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168841 |  | 3158619262 |  | 34630693 |  | 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 fees subject to [Redacted]% tolerance changed to $[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-10-14): [Redacted] received LOE for CD issue date along with the disclosures summary. Valid COC dated [Redacted] applied for change in loan program.<br>Buyer Comment (2025-10-13): Do Not Concur. There was a change in the loan amount on [Redacted] and the lenders Title insurance amount increased, this was disclosed timely on Lev 7. There was a product change on [Redacted], the lenders title insurance had previously decreased but now increased higher than previous baselines, the product change on [Redacted] is a valid CIC to allow title fee changes. This closing disclosure issued on [Redacted] which is within three days of this change in circumstance. If the issue at hand is that the generated date is not the same as the issue date, this closing disclosure was printed on [Redacted], prepared and placed into the [Redacted] mail, the date on the letters will always show the next business date regardless of when the closing disclosure was actually printed and issued into the [Redacted] mail. This customer chose not to utilize electronic means of delivery and thus received this CD in the mail under normally assumed mail receipt time frames. Please see uploaded closing disclosure packages (Both Customers) with banner pages showing method of delivery as [Redacted] and generated date of [Redacted].<br>Reviewer Comment (2025-10-13): [Redacted] received rebuttal comment for correct CD date. However, the timestamp provided at the bottom of the CD provides the information when CD was printed/generated not the date when it was sent to the borrower. As the CD issue date is [Redacted] and timestamp shows its [Redacted] to confirm the same please provide disclosures summary and LOE for any date discrepancy due to system limitations.<br>Buyer Comment (2025-10-10): Do not Concur. CDv5 and 6 generated on [Redacted]. The way [Redacted] works is if it's after a cut off time of the day the issue date will reflect the next day. The CDs were timely of the CIC.<br>Reviewer Comment (2025-10-10): [Redacted] received COC dated [Redacted], however fee increased on CD dated [Redacted] which is not within 3 days of COC. Please provide any missing CD sent within 3 days of COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-10-08): Do not Concur. Ten percent baseline increased with valid CICs on [Redacted] and [Redacted]. Then Ten percents increased again on CDv8 without a valid CIC, BUT the customer was not charged this higher amount at closing. The ten percents decreased to the previous baseline that had a valid CIC. Also the customer received more of a cure at closing than they should have due to the system held an incorrect baseline amount. This is in favor of the customer.<br>Reviewer Comment (2025-10-08): [Redacted]: Cure provided at closing is insufficient to cure for the fees are exceeds over [Redacted]% tolerance. [Redacted], also required additional cure of $[Redacted] for the Title fees and recording fee exceeds over [Redacted]% tolerance or provide valid COC for the Lender's Title insurance fee increase of $[Redacted] on CD dated [Redacted] (Doc ID #D1041). Otherwise, additional cure of $[Redacted] with cure documents required to clear this exception.<br>Buyer Comment (2025-10-07): Do not Concur. Ten percent tolerance violation already cured at closing | 10/14/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168841 |  | 3158619262 |  | 34630694 |  | 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 $[Redacted] on the Closing Disclosure dated [Redacted]. . A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-10-08): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-07): Do not Concur. Expiration change and valid CIC for loan points occurred [Redacted]. CDv6 disclosed timely | 10/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168841 |  | 3158619262 |  | 34630695 |  | 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 $[Redacted] on the Closing Disclosure dated [Redacted]. . A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. |  |  |  | Reviewer Comment (2025-10-08): [Redacted] received system snip for rebuttal response with additional information for a valid Changed circumstance.<br>Buyer Comment (2025-10-07): Do not Concur. Valid CIC for loan amount [Redacted]. CDv3 disclosed timely next day | 10/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168841 |  | 3158619262 |  | 34718794 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing |  | 10/14/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168842 |  | 3158619325 |  | 34641437 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The appraisal was completed "subject to" because the property has two possible accessory apartments. More information was needed to determine if this was allowed and acceptable. |  |  |  | Reviewer Comment (2025-10-07): property type exception in file and acceptable<br>Buyer Comment (2025-10-07): There is an exception to allow the property type (see attached) | 10/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168842 |  | 3158619325 |  | 34641453 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-06): Exception approved, with comp factors.<br>Reviewer Comment (2025-10-06): Regraded to EV2-B Based on compensating factors. |  |  | 10/06/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168842 |  | 3158619325 |  | 34641492 |  | 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, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-10-06): Loan is SHQM (APOR). | 10/06/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168842 |  | 3158619325 |  | 34641493 |  | 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.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-06): Exception approved, with comp factors.<br>Reviewer Comment (2025-10-06): Regraded to EV2-B based on compensating factors. |  |  | 10/06/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168842 |  | 3158619325 |  | 34641494 |  | 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. |  |  |  | Reviewer Comment (2025-10-06): Loan is SHQM(APOR). | 10/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168844 |  | 3158619218 |  | 34613015 |  | 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. | Creditor did not provide List of Homeownership Counseling Organizations. |  |  |  | Reviewer Comment (2025-10-03): proof of disclosure delivery to borrower received<br>Buyer Comment (2025-10-03): Do Not Concur. Please see the Home Loan Counseling providers list that was provided to the customer. | 10/03/2025 |  |  | 1 B A |  | MA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168845 |  | 3158619504 |  | 34662372 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Earliest dated Loan Estimate is [Redacted] which was more than 3 business days after application date of [Redacted]. |  |  |  | Reviewer Comment (2025-10-16): initial LE dated [Redacted] received and meets timing requirements<br>Buyer Comment (2025-10-16): Please review Initial Loan Estimate attached<br>Reviewer Comment (2025-10-15): The earliest dated LE we received is dated [Redacted], and the application date is [Redacted]. Please provide an LE dated within 3 days of the application date.<br>Buyer Comment (2025-10-15): Please review Disclosure details attached | 10/16/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168845 |  | 3158619504 |  | 34662388 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to earliest dated Loan Estimate is [Redacted] which was more than 3 business days after application date of [Redacted]. |  |  |  | Reviewer Comment (2025-10-16): initial LE dated [Redacted] received and meets timing requirements<br>Buyer Comment (2025-10-16): Please review ILE Other Considerations section attached | 10/16/2025 |  |  | 1 B A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168845 |  | 3158619504 |  | 34662389 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (2025-10-15): screenshot of e-disclosure proof of delivery received<br>Buyer Comment (2025-10-15): Please review Disclosure Details attached. | 10/15/2025 |  |  | 1 B A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168846 |  | 3158618979 |  | 34673019 |  | 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. | 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. |  |  |  | Reviewer Comment (2025-10-13): evidence of earlier e-consent documentation has been received<br>Buyer Comment (2025-10-13): Please review uploaded docs evidencing electronic consent pending as of [Redacted] was completed by borrower on [Redacted] at [Redacted] and LE was e-signed [Redacted] at [Redacted]. | 10/13/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168846 |  | 3158618979 |  | 34673021 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168846 |  | 3158618979 |  | 34673050 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Escalation Form in file for lender exceptions collateral and two appraisal. Exception approved with comp factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-09): Exception approved, with comp factors. |  |  | 10/09/2025 | 2 B |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168846 |  | 3158618979 |  | 34690325 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided within 60 Days of Closing |  | 10/09/2025 |  | 1 A |  | AZ | 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) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168846 |  | 3158618979 |  | 34690328 |  | 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 Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided within 60 Days of Closing |  | 10/09/2025 |  | 1 A |  | AZ | 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) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168846 |  | 3158618979 |  | 34691720 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The K-1s in file for [Redacted] indicate the sole shareholder as the [Redacted]. The file is missing documentation to evidence the borrower has full access to the income from the trust. |  |  |  | Reviewer Comment (2025-10-13): explanation and documentation provided is sufficient to determine borrower has full access to the funds.<br>Buyer Comment (2025-10-13): Trust documentation not required to verify access to income from [Redacted]. The K-1 issued shows [Redacted]% ownership, reflects the borrower's full Social Security Number and flows directly to Schedule E - Part II of the personal tax returns. Sufficient evidence of full, unfettered access to income is present in file and via the attachments provided.<br>Buyer Comment (2025-10-13): [Redacted] Schedule E<br>Buyer Comment (2025-10-13): [Redacted] Ownership | 10/13/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168847 |  | 3158619174 |  | 34610823 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-10-03): proof of appraisal receipt received<br>Buyer Comment (2025-10-03): See attached appraisal receipt. | 10/03/2025 |  |  | 1 B A |  | MN | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168847 |  | 3158619174 |  | 34613948 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-01): Sufficient Cure Provided At Closing |  | 10/01/2025 |  | 1 A |  | MN | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168848 |  | 3158618988 |  | 34662090 |  | 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 (2025-10-13): evidence of appraisal receipt received<br>Buyer Comment (2025-10-13): Please review uploaded proof of appraisal receipt. | 10/13/2025 |  |  | 1 B A |  | NV | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168848 |  | 3158618988 |  | 34662093 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Final Closing Disclosure page 1 disclosed homeowner's insurance would be escrowed; however, page 2 did not reflect escrows were set up for it. |  |  |  | Reviewer Comment (2025-10-13): PCCD and LOE dated prior to TPR review showing the corrected escrow information has been received<br>Buyer Comment (2025-10-13): Please review uploaded LOE and PCCD. | 10/13/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168848 |  | 3158618988 |  | 34662094 |  | 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 Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided At Closing |  | 10/07/2025 |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168848 |  | 3158618988 |  | 34662095 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-07): Sufficient Cure Provided At Closing |  | 10/07/2025 |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224168848 |  | 3158618988 |  | 34678293 |  | Credit | Title | Lien | Title | Missing evidence of lien position on Other Financing. |  | The Title Commitment, Item 9 of Sch B Part I, required payment in full or termination of the financing statement with [Redacted]. The lien was not paid on the Closing Disclosure and there was no final title in file to determine if the new mortgage was in first lien position. |  |  |  | Reviewer Comment (2025-10-13): subordination agreement received<br>Buyer Comment (2025-10-13): Please review uploaded subordination agreement. | 10/13/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168849 |  | 3158619362 |  | 34622007 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  |  | 10/07/2025 |  |  | 1 B A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168849 |  | 3158619362 |  | 34622726 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  |  | 10/08/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168849 |  | 3158619362 |  | 34622797 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  |  | 10/08/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168849 |  | 3158619362 |  | 34623112 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]0% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 3 C |  | AZ | Second Home | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224168849 |  | 3158619362 |  | 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 |  |  |  |  |  | 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 |  | 3158619362 |  | 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 $0.00. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  |  |  | 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 |

---

## Exhibit 99.16

**Exhibit 99.16**

![](situsamc_logo.jpg)

**Valuation Report**

**Run Date - 10/21/2025 12:28:37 PM**

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 224168563 |  | 3158619425 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.120% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.90 |
| 224168564 |  | 3158619472 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168565 |  | 3158619317 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.10 |
| 224168566 |  | 3158619464 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 |
| 224168567 |  | 3158619061 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| 224168568 |  | 3158619303 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.970% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.970% |  |  |  |  |  |  |  |  | No | 4.50 | 3.00 |
| 224168569 |  | 3158619358 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| 224168570 |  | 3158619474 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 224168571 |  | 3158619169 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 |
| 224168572 |  | 3158619273 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  | -2.290% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.290% |  |  |  |  |  |  |  |  | No | 5.00 | 3.40 |
| 224168573 |  | 3158619140 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 224168574 |  | 3158619023 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.40 |
| 224168575 |  | 3158619512 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 224168576 |  | 3158619206 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| 224168577 |  | 3158619069 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| 224168578 |  | 3158619312 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| 224168579 |  | 3158619060 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 224168580 |  | 3158619356 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.500% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.500% |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| 224168581 |  | 3158619192 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 224168582 |  | 3158619193 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.80 |
| 224168583 |  | 3158619017 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 224168584 |  | 3158619483 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 224168585 |  | 3158619316 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 224168586 |  | 3158619253 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
| 224168587 |  | 3158619081 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 224168588 |  | 3158619154 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224168589 |  | 3158619389 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| 224168590 |  | 3158619294 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 224168591 |  | 3158619395 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.010% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.010% |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 224168592 |  | 3158619164 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
| 224168593 |  | 3158619449 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.540% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 |
| 224168594 |  | 3158619181 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 224168595 |  | 3158619147 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| 224168596 |  | 3158619103 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 224168597 |  | 3158619301 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.30 |
| 224168598 |  | 3158619506 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.20 |
| 224168599 |  | 3158618998 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224168600 |  | 3158619369 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.080% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.080% |  |  |  |  |  |  |  |  | No | 4.50 | 2.90 |
| 224168601 |  | 3158618995 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224168602 |  | 3158619129 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 224168603 |  | 3158619155 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.00 |
| 224168604 |  | 3158619372 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.00 |
| 224168605 |  | 3158619354 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.830% |  |  | Appraisal |  |  |  |  |  | 3.230% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.230% |  |  |  |  |  |  |  |  | No | 4.50 | 3.40 |
| 224168606 |  | 3158619204 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| 224168607 |  | 3158619053 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 224168608 |  | 3158619292 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224168609 |  | 3158619180 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.10 |
| 224168610 |  | 3158619211 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 224168611 |  | 3158619450 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 224168612 |  | 3158619171 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| 224168613 |  | 3158619241 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224168614 |  | 3158619225 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 224168615 |  | 3158619444 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168616 |  | 3158619067 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 224168617 |  | 3158619263 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| 224168618 |  | 3158619087 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224168619 |  | 3158619448 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 224168620 |  | 3158619264 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 224168621 |  | 3158618999 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224168622 |  | 3158619109 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 5.00 |
| 224168623 |  | 3158619340 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.010% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.010% |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| 224168624 |  | 3158619307 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168625 |  | 3158619328 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.80 |
| 224168626 |  | 3158619265 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224168627 |  | 3158619440 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.450% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.450% |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 |
| 224168628 |  | 3158619113 |  |  |  |  |  |  |  | 5.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| 224168629 |  | 3158619331 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 224168630 |  | 3158619370 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 224168631 |  | 3158619309 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 224168632 |  | 3158619240 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224168633 |  | 3158619121 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168634 |  | 3158619226 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224168635 |  | 3158619058 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| 224168636 |  | 3158619468 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| 224168637 |  | 3158619203 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224168638 |  | 3158619435 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.40 |
| 224168639 |  | 3158619462 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224168640 |  | 3158619056 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.70 |
| 224168641 |  | 3158619223 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 224168642 |  | 3158619077 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 224168643 |  | 3158619380 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.10 |
| 224168644 |  | 3158619022 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 224168645 |  | 3158619460 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.80 |
| 224168646 |  | 3158619320 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.40 |
| 224168647 |  | 3158619411 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.50 |
| 224168648 |  | 3158619469 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.10 |
| 224168649 |  | 3158619167 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.80 |
| 224168650 |  | 3158619178 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 |
| 224168651 |  | 3158619258 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 224168652 |  | 3158619415 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| 224168653 |  | 3158619009 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.10 |
| 224168654 |  | 3158619166 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.90 |
| 224168655 |  | 3158619271 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| 224168656 |  | 3158619434 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 224168657 |  | 3158619371 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| 224168658 |  | 3158619288 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.90 |
| 224168659 |  | 3158619463 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 224168660 |  | 3158619396 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.00 |
| 224168661 |  | 3158619296 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.10 |
| 224168662 |  | 3158619350 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 224168663 |  | 3158619041 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.20 |
| 224168664 |  | 3158619341 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224168665 |  | 3158619360 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.10 |
| 224168666 |  | 3158619135 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.030% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.90 |
| 224168667 |  | 3158619237 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.10 |
| 224168668 |  | 3158619157 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| 224168669 |  | 3158619421 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 224168670 |  | 3158619376 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 224168671 |  | 3158619156 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168672 |  | 3158619063 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| 224168673 |  | 3158619497 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 224168674 |  | 3158619142 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| 224168675 |  | 3158619163 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.840% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.840% |  |  |  |  |  |  |  |  | No | 3.50 | 3.60 |
| 224168676 |  | 3158619130 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 5.00 |
| 224168677 |  | 3158619005 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.90 |
| 224168678 |  | 3158619429 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224168679 |  | 3158619408 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| 224168680 |  | 3158619407 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 224168681 |  | 3158619075 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.30 |
| 224168683 |  | 3158619118 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| 224168684 |  | 3158619503 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168685 |  | 3158619476 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| 224168686 |  | 3158619112 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 224168687 |  | 3158619391 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 224168688 |  | 3158619043 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168689 |  | 3158619274 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.620% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.620% |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 224168690 |  | 3158619201 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168691 |  | 3158619289 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 224168692 |  | 3158619392 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 224168693 |  | 3158619080 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224168694 |  | 3158619229 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.80 |
| 224168695 |  | 3158619217 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 224168696 |  | 3158619353 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| 224168697 |  | 3158619182 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| 224168698 |  | 3158619485 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 224168699 |  | 3158619144 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 21.320% |  |  | Appraisal |  |  |  |  |  | 11.830% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.80 |
| 224168700 |  | 3158619173 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.70 |
| 224168701 |  | 3158619412 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224168702 |  | 3158619259 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| 224168703 |  | 3158619405 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 224168704 |  | 3158619245 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| 224168705 |  | 3158619065 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224168706 |  | 3158619322 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.30 |
| 224168707 |  | 3158619416 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168708 |  | 3158619514 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168709 |  | 3158619028 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.80 |
| 224168710 |  | 3158619025 |  |  |  |  |  |  |  | 3.650% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.10 |
| 224168711 |  | 3158619267 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 224168712 |  | 3158619346 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224168713 |  | 3158619502 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 224168714 |  | 3158619034 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 224168715 |  | 3158619071 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
| 224168716 |  | 3158619100 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.60 |
| 224168717 |  | 3158619031 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.770% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.10 |
| 224168718 |  | 3158619196 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168719 |  | 3158619409 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 224168720 |  | 3158619161 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| 224168721 |  | 3158619270 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 224168722 |  | 3158619202 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 224168723 |  | 3158619086 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| 224168724 |  | 3158619442 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| 224168725 |  | 3158619246 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 224168726 |  | 3158619138 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224168727 |  | 3158619326 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 224168728 |  | 3158619106 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 | 1.40 |
| 224168729 |  | 3158619191 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.850% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 1.850% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.30 |
| 224168730 |  | 3158619199 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| 224168731 |  | 3158619352 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.890% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.00 |
| 224168732 |  | 3158619366 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.100% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.100% |  |  |  |  |  |  |  |  | No | 4.50 | 4.40 |
| 224168733 |  | 3158619037 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.10 |
| 224168734 |  | 3158619427 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224168735 |  | 3158618997 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 224168736 |  | 3158619010 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| 224168737 |  | 3158619286 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.50 |
| 224168738 |  | 3158619139 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 224168739 |  | 3158619424 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 224168740 |  | 3158619227 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| 224168741 |  | 3158619079 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 |
| 224168742 |  | 3158619348 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -12.550% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 224168743 |  | 3158619146 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 224168744 |  | 3158618991 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.10 |
| 224168745 |  | 3158619131 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224168746 |  | 3158619516 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| 224168747 |  | 3158619073 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 224168748 |  | 3158618974 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.40 |
| 224168749 |  | 3158619093 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168750 |  | 3158618986 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224168751 |  | 3158619105 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 224168752 |  | 3158619183 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224168753 |  | 3158619134 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 224168754 |  | 3158619475 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.260% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| 224168755 |  | 3158619510 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.220% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.220% |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.60 |
| 224168756 |  | 3158619285 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 224168757 |  | 3158619021 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| 224168758 |  | 3158619066 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 224168759 |  | 3158619422 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| 224168760 |  | 3158619257 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168761 |  | 3158619378 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 224168762 |  | 3158619290 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 224168763 |  | 3158619125 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| 224168764 |  | 3158619108 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.40 |
| 224168765 |  | 3158619459 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| 224168766 |  | 3158619197 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 224168767 |  | 3158619515 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 |
| 224168768 |  | 3158619236 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| 224168769 |  | 3158619404 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168770 |  | 3158619047 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 224168771 |  | 3158619239 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.090% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.090% |  |  |  |  |  |  |  |  | N/A |  |  |
| 224168772 |  | 3158619401 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.30 |
| 224168773 |  | 3158619006 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| 224168774 |  | 3158619026 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168775 |  | 3158619321 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224168776 |  | 3158619319 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 224168777 |  | 3158619050 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168778 |  | 3158619137 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| 224168779 |  | 3158619454 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.80 |
| 224168780 |  | 3158619479 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 224168781 |  | 3158619499 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| 224168782 |  | 3158619252 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 224168783 |  | 3158619385 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 224168784 |  | 3158619491 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.130% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.130% |  |  |  |  |  |  |  |  | No |  | 3.90 |
| 224168785 |  | 3158619011 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.30 |
| 224168786 |  | 3158619509 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224168787 |  | 3158619148 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 224168788 |  | 3158619244 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168789 |  | 3158619092 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.330% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 224168790 |  | 3158619311 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.110% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.110% |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 224168791 |  | 3158619478 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| 224168792 |  | 3158619062 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 224168793 |  | 3158618992 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.620% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 224168794 |  | 3158619216 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| 224168795 |  | 3158618987 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.60 |
| 224168796 |  | 3158619489 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 224168797 |  | 3158619345 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 224168798 |  | 3158619500 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 224168799 |  | 3158619032 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 224168800 |  | 3158619172 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168801 |  | 3158619215 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.30 |
| 224168802 |  | 3158619359 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.30 |
| 224168803 |  | 3158619152 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168804 |  | 3158619238 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224168805 |  | 3158619457 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.80 |
| 224168806 |  | 3158619374 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224168807 |  | 3158619256 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.620% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.50 |
| 224168808 |  | 3158619465 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168809 |  | 3158619243 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 224168810 |  | 3158619019 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| 224168811 |  | 3158619487 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168812 |  | 3158618981 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 224168813 |  | 3158619084 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.80 |
| 224168814 |  | 3158619082 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| 224168815 |  | 3158619332 |  |  |  |  |  |  |  | -1.890% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -4.220% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| 224168816 |  | 3158619269 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168817 |  | 3158619170 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| 224168818 |  | 3158619186 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 224168819 |  | 3158618982 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168820 |  | 3158619153 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.380% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| 224168821 |  | 3158619076 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.00 |
| 224168822 |  | 3158619044 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224168823 |  | 3158619426 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.080% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.080% |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 224168824 |  | 3158619175 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168825 |  | 3158619160 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224168826 |  | 3158619036 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168827 |  | 3158619268 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| 224168828 |  | 3158619471 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 224168829 |  | 3158619302 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 224168830 |  | 3158619318 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 224168831 |  | 3158619330 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 224168832 |  | 3158619383 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168833 |  | 3158619255 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| 224168834 |  | 3158619089 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.90 |
| 224168835 |  | 3158619430 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.80 |
| 224168836 |  | 3158619230 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 |
| 224168837 |  | 3158619104 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 |
| 224168838 |  | 3158619232 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.80 |
| 224168839 |  | 3158619251 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.340% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.340% |  |  |  |  |  |  |  |  | No |  |  |
| 224168840 |  | 3158619020 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |
| 224168841 |  | 3158619262 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 224168842 |  | 3158619325 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.370% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.370% |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 224168843 |  | 3158619162 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 224168844 |  | 3158619218 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 224168845 |  | 3158619504 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 224168846 |  | 3158618979 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.100% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 224168847 |  | 3158619174 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.50 |
| 224168848 |  | 3158618988 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| 224168849 |  | 3158619362 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |

---

## Exhibit 99.17

**Exhibit 99.17**

![](situsamc_logo.jpg)

**Data Compare Summary (Total)**

**Run Date - 10/21/2025 12:28:11 PM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 4 | 286 | 1.40% | 286 |
| State | 0 | 286 | 0.00% | 286 |
| Zip | 0 | 286 | 0.00% | 286 |
| Note Date | 1 | 286 | 0.35% | 286 |
| Original Loan Amount | 0 | 286 | 0.00% | 286 |
| Amortization Term | 0 | 286 | 0.00% | 286 |
| Original Interest Rate | 0 | 286 | 0.00% | 286 |
| Borrower Qualifying FICO | 3 | 286 | 1.05% | 286 |
| Coborrower Qualifying FICO | 1 | 190 | 0.53% | 286 |
| Amortization Type | 0 | 286 | 0.00% | 286 |
| Representative FICO | 1 | 286 | 0.35% | 286 |
| Property Type | 3 | 286 | 1.05% | 286 |
| Interest Only | 0 | 286 | 0.00% | 286 |
| Lien Position | 0 | 286 | 0.00% | 286 |
| Occupancy | 0 | 286 | 0.00% | 286 |
| Purpose | 0 | 286 | 0.00% | 286 |
| Contract Sales Price | 9 | 286 | 3.15% | 286 |
| Balloon Flag | 0 | 286 | 0.00% | 286 |
| Original CLTV | 3 | 286 | 1.05% | 286 |
| Original LTV | 3 | 286 | 1.05% | 286 |
| Origination Channel | 0 | 286 | 0.00% | 286 |
| Appraisal Effective Date | 3 | 286 | 1.05% | 286 |
| LTV Valuation Value | 1 | 286 | 0.35% | 286 |
| Investor: Qualifying Total Debt Ratio | 7 | 286 | 2.45% | 286 |
| Initial Rate Lock Date | 53 | 286 | 18.53% | 286 |
| **Total** | **92** | **7054** | **1.30%** | **286** |

---

## Exhibit 99.18

**Exhibit 99.18**

![](situsamc_logo.jpg)

**Data Compare (Non-Ignored)**

**Run Date - 10/21/2025 12:28:53 PM**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 224168563 |  | 3158619425 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168563 |  | 3158619425 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase <br> contract and/or addendum |
| 224168571 |  | 3158619169 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168572 |  | 3158619273 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168575 |  | 3158619512 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 224168580 |  | 3158619356 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224168585 |  | 3158619316 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 224168586 |  | 3158619253 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168589 |  | 3158619389 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168590 |  | 3158619294 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168591 |  | 3158619395 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168593 |  | 3158619449 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI matches the 1008 and AUS in file. |
| 224168593 |  | 3158619449 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 224168598 |  | 3158619506 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 224168599 |  | 3158618998 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168606 |  | 3158619204 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168607 |  | 3158619053 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168610 |  | 3158619211 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Income and debts associated with the field value DTI match those of the 1008, however 1008 has DTI matching the tape value. Unable to detgermine variance. |
| 224168625 |  | 3158619328 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224168627 |  | 3158619440 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168628 |  | 3158619113 |  |  | Original CLTV | [Redacted] | [Redacted] | Verified | based on field review of the appraisal. Field Value matches final AUS/1008 |
| 224168628 |  | 3158619113 |  |  | Original LTV | [Redacted] | [Redacted] | Verified | based on field review of the appraisal. Field Value matches final AUS/1008 |
| 224168628 |  | 3158619113 |  |  | LTV Valuation Value | [Redacted] | [Redacted] | Verified | based on field review of the appraisal. Field Value matches final AUS/1008 |
| 224168633 |  | 3158619121 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168636 |  | 3158619468 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 224168645 |  | 3158619460 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| 224168649 |  | 3158619167 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168651 |  | 3158619258 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168652 |  | 3158619415 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168658 |  | 3158619288 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Credit report has borrowers in different order than application |
| 224168658 |  | 3158619288 |  |  | Coborrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Credit report has borrowers in different order than application |
| 224168664 |  | 3158619341 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference appears to be in the amount of RE taxes being used for subject; however, unable to confirm what was used by uw. |
| 224168666 |  | 3158619135 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168669 |  | 3158619421 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168674 |  | 3158619142 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168675 |  | 3158619163 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224168676 |  | 3158619130 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168681 |  | 3158619075 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168683 |  | 3158619118 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168688 |  | 3158619043 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168690 |  | 3158619201 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168696 |  | 3158619353 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168703 |  | 3158619405 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168704 |  | 3158619245 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224168709 |  | 3158619028 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168710 |  | 3158619025 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| 224168711 |  | 3158619267 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168712 |  | 3158619346 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168714 |  | 3158619034 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168715 |  | 3158619071 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 224168715 |  | 3158619071 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168721 |  | 3158619270 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168728 |  | 3158619106 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 224168729 |  | 3158619191 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168730 |  | 3158619199 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168734 |  | 3158619427 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168744 |  | 3158618991 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168745 |  | 3158619131 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168746 |  | 3158619516 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168748 |  | 3158618974 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168753 |  | 3158619134 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 224168754 |  | 3158619475 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference due to the rental income calculations used. Unable to determine exact cause as rental calc worksheet not complete in file. |
| 224168757 |  | 3158619021 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference due to the amount of taxes used for qualifying as subj is new construction. |
| 224168761 |  | 3158619378 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224168762 |  | 3158619290 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| 224168768 |  | 3158619236 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168769 |  | 3158619404 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224168769 |  | 3158619404 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168770 |  | 3158619047 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168774 |  | 3158619026 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224168782 |  | 3158619252 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168783 |  | 3158619385 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224168783 |  | 3158619385 |  |  | 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) |
| 224168783 |  | 3158619385 |  |  | Original LTV | [Redacted] | [Redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 224168785 |  | 3158619011 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168790 |  | 3158619311 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168791 |  | 3158619478 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168806 |  | 3158619374 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224168806 |  | 3158619374 |  |  | 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) |
| 224168806 |  | 3158619374 |  |  | Original LTV | [Redacted] | [Redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 224168810 |  | 3158619019 |  |  | Representative FICO | [Redacted] | [Redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 224168810 |  | 3158619019 |  |  | Borrower Qualifying FICO | [Redacted] | [Redacted] | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 224168812 |  | 3158618981 |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| 224168819 |  | 3158618982 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168822 |  | 3158619044 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168823 |  | 3158619426 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168827 |  | 3158619268 |  |  | Property Type | [Redacted] | [Redacted] | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224168827 |  | 3158619268 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224168828 |  | 3158619471 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168839 |  | 3158619251 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| 224168844 |  | 3158619218 |  |  | Investor: Qualifying Total Debt Ratio | [Redacted] | [Redacted] | Verified | Difference due to the amount of taxes used for qualifying as subj is new construction. |
| 224168849 |  | 3158619362 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

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